vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX  credit card thru XXXX XXXX XXXX XXXX which I was approved for. I was told by XXXX they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. TransUnion credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between XXXX & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX  sent me an email asking me if this new account was mine, but my TransUnion account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created Case Number : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with TransUnion, but you can't file a dispute about something that's not on your report with TransUnion. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had one supervisor named XXXX XXXX tell me to file a dispute with TransUnion and get the information from XXXX XXXX XXXX XXXX to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the TransUnion Contact Center Service Team was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. XXXX sent me an alert to see what changed in my report the same day thru their XXXX : XXXX XXXX XXXX. TransUnion sent me a survey XX/XX/XXXX. I emailed TransUnion the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call TransUnion in XXXX, PA, been transferred there from their overseas call center. Still nothing. XXXX has assured me the information has been provided to TransUnion. TransUnion has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. XXXX sure that someone hacked my account and used my private information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. XXXX sure that someone hacked my account and used my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I fulfilled all the requirements and received a {$24.00} rebate from XXXX. Blackhawk Networks provided the debit card but did not provide the PIN number so when I tried touse the card at XXXX and XXXX XXXX in XXXX WA on XX/XX/XXXX it was immediately declined at Point of Purchase in both cases. But Blackhawk fradulently logged the failed transactions as completed and removed the money from my prepaid card. I immediately contacted them by phone and email and that is when the run aound began. I'm not alone, this company has hundreds of complaints with the XXXX XXXX XXXX for this criminal activity. I also called them at least a dozen times. I have a case # XXXX. I submitted all the documents they requested at least 5 times. Including a receipt showing that I paid the disputed transactions with my own credit card. So in order to refuse paying me back, they changed the dates on their website for my transactions from XX/XX/XXXX to XX/XX/XXXX. Exact same dollar amount and exact same store but now, with a date different from my proof ( receipt ) they could deny my proof and refuse to make me whole. It was blatant theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a bank of America account since XXXX. Everything was fine until the pandemic. Last year in XX/XX/XXXX someone hacked/misused my account and a lot of microtransactions came into my account from google which does not belong to me. All the financial centers were closed and everything was remotely at that time. When I got to know that money coming into my account does not belong to me I contacted BofA to take action and I told them I don't know where is money coming from and it does not belong to me. Instead, of me helping me out and investigating they closed my account and issued an FDIC check ( reversed the payment back to XXXX ) and they reported to XXXX XXXX and XXXX XXXX by saying that does not open his account for 5 years. Now I'm not able to open any bank account and not able to apply for any credit cards. Me being a victim of fraud I'm trying to resolve this issue since last year and they are transferring me from one department to another. I went XXXX XXXX to ask for help they are not able to do that since the account is closed and they don't have access to it. So, every time I'm calling they are transferring me from one department to another spending hours on the call.I tried to open the account in other banks but it's not working due to BOFA reported to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is still reporting inaccurate information XXXX XXXX is paid in full never late but Experian is reporting a late Payment I have sent in multiple validation letters they have yet to validate any one of the XXXX accounts Unrecognized account XXXX XXXX is still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC
State: NC

Complaint narrative:
this account is showing as a real estate loan, and I have tried to contact the company several time to get it removed off my credit report. this has cause be to not be able to be approved from mortgage lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The Superior Court of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The Superior Court of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Auto Finance is reporting a 30+ day payment on my credit report which is inaccurate and is refusing to remove it despite multiple request!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX of XXXX I discoursed by credit card number had been stolen and was being used for cash advances from a service called " XXXX ''. I alerted Chase Bank and they reissued cards. ( Change from account number of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXXXXXX ). They advised the matter was resolved even though they have charged interest on CASH ADVANCE that I never received and was in fact fraud. Calls, emails, etc. have been ignored. Not sure what do at this juncture other than file suit but the amount is to low for attorney to be interested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Information on my report have not been permitted by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a Welcome to Bank of America letter on XX/XX/XXXX, which included 2 account numbers ( savings and checking ) which I did not authorize the opening of. I called on XX/XX/XXXX and spoke to XXXX from the ID Fraud DepXXXX. He told me those accounts were known fraud accounts tied to a XXXX  XXXX SSN and linked to dozens of fraud cases over the past 18 months. He told me to disregard the letter and throw it away because there is no way that letter came from us. He said the return address was phony. 

I had another account opened in my name with a different bank ( XXXX ) on XX/XX/XXXX. I received a debit card for that one and also called on XX/XX/XXXX. XXXX immediately initiated a fraud investigation, asked me to file a police report and submit an affidavit. 

A week later, I received 2 letters from BofA dated XX/XX/XXXX, stating that the XXXX accounts were closed. Case # provided and phone # for the ID XXXXraud Alert/ XXXX XXXX XXXX ( the same dept I was directed to on XX/XX/XXXX ). 

Since then, I have received multiple bank account statements from Bank of America. I called them again on XX/XX/XXXX, and was told the # I called was for Risk Account Closure, and that these 2 accounts were closed and I would need to contact the Fraud dept at XXXX to initiate a claim/investigation. Then they tried transferring me, but the extension was incorrect so the line hung up. 

XXXX has also been involved and was very helpful in getting fraud alerts set up w/ XXXX credit reporting agencies and XXXX XXXX as well as with XXXX who was able to close the case and provide me with a letter explaining that I was not at fault. 

Im concerned that parties at BofA are attempting to do what XXXX XXXX was found guilty of years ago ; creating a bunch of accounts right at the end of the year to boost commissions ; or worse, that there really is a fraud going on with my name associated with it. 

Ive filed a police report with XXXX XXXX XXXX, and filed a complaint/affidavit with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief