vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently received a copy of my credit report i was shocked to learn that I have been a victim of identity theft i found numerous accounts on my credit report that I did not open. this has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NC

Complaint narrative:
I would ask CFPB to investigate Lexis Nexis for violating my federally protected consumer rights to privacy and confidentiality under FCRA 15 USC 1681 and accurate reporting. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX. 

I received a letter from XXXX stating that their public records furnisher verified the Bankruptcy to be accurate which they are reporting. I also contacted XXXX via phone on XX/XX/year>2024 and was told that Lexis Nexis verified the Bankruptcy to be accurate. 

Lexis Nexis sent me a letter stating that they do not have a Bankruptcy for me in their database and confirmed it via phone on XX/XX/year>2024 but XXXX is stating that they confirmed the Bankruptcy to be accurate. I need to know if there is an error on both agencies ' parts or if they are involved in unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check in the amount of {$9500.00} through the Bank of America ATM on XX/XX/24 and I was notified that a hold would be placed on the check until XX/XX/24 until funds could be verified. However, on the following day XX/XX/24 when I tried to access my existing funds in my account by using my ATM debit card, my card had been blocked. When I called the Bank to inquire why my debit card was being blocked I was told that my account had been referred over to Risk Management for account closure and that I would have to talk with them for further details. When I finally spoke with someone from Risk Management they were extremely rude and treated me like I had done something wrong and like I was a criminal or something. Anyway they were not very forthcoming as to why they were closing my account suddenly like this and without warning. When I pressed them for more information they finally said that it had something to do with the {$9500.00} check that I had deposited the day before on XXXX via the ATM. I continued to pressed them for more information about the check and I told them that I was aware that the check was placed on hold until XX/XX/24 pending verification of funds before funds were made available, but at that moment the Risk Management agent much to my surprise said that the check was counterfeit which I know was a boldface lie. They had not even started to verify the funds yet and I told them that was impossible and that they just needed to do their job and verify the funds for the check and stop blocking my ATM debit card so that I could access my existing funds so that I could live my life and buy groceries, put gas in my vehicle and pay other normal living expenses. They just flat out didn't care about the financial hardship this was imposing on me and my family. They just simply said that closure of my account was final and that I would receive a check in the mail once the account closure process was complete. The XXXX was non-committal on how long this would take and hold long my funds would be tied up or frozen. As of the date of this complaint XX/XX/24 access to the funds in my account still remains unavailable to me and if it hadn't been for the grace and favor of some valued friends and family loaning us money we would not have been able to put food on the table or put gas in tihe car to run critical errands or go to work and many other encumbrances too numerous to mention here. I want Bank of America to immediately restore my account provide access to all of my funds in my account as well as complete the verification of funds for the {$9500.00} check that I deposited and make those funds fully available to 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XXXX XXXX improperly used information without my written consent. As a result, it has affected my ability to acquire housing. " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My student loans from XXXX is paid off Through debt forgiveness program and I asked them to stop reporting this debt On my credit file please remove it

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My student loans from XXXX is paid off Through debt forgiveness program and I asked them to stop reporting this debt On my credit file please remove it

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2024 fraud was done to my account. Wells Fargo sent my ATM card to a completely different state and address without my permission of address change and there were ATM withdrawals done on the other side of the country. I never had my ATM card in my possession that I ordered there were multiple trends actions done. Wells Fargo credited me for pending transactions immediately but I feel they did not even look into the ATM transactions. They denied my claim and closed it. I have made a police report at the XXXX Police department the police report number is XXXX XXXX XXXX. I would like them to pull camera footage from the ATM in New York that this money was pulled out of to prove that it was not me doing it. And I would like my {$2900.00} return to me. I never changed my address for the card to get sent to New Jersey. I don't know why it got sent to New Jersey I live in Oregon and the transactions were done in New York. I don't understand why I got credited back for pending transactions with the card that was never in my possession but they won't credit me for ATM withdrawals with the same card that I never had in my possession.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ME

Complaint narrative:
On XX/XX/year> I received a notification from saying it had been a transaction for XXXX on my account I then called chime and notified them after a little while they told me the card might have been compromised but I have my phone, card etc with me they told me they would send a digital card for me to use in my chime app until the physical call arrived since then I have been completely lock out my account now then they wanted me to send a pic of my state id which I did XXXX  times and they return what seems like a generated msg is we can not verify your account and can not lift the restrictions on your account I went from having full access to none at all and something are not making any sense they just keep giving the run around I ask for them to close my account and refund what I have in the account and they just keep saying the same things over and get with I have direct deposit plus my money in the account and they have no means of how to resolve the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: IN

Complaint narrative:
This alleged debt was purchased by another company. I am requesting the original wet ink contract signed by principal XXXX XXXX with this company making her responsible for the said debt. According to 15 USC 1681G it is the company 's obligation to determine the proper identification of the consumer. Please fully identity XXXX XXXX and all provide proof including signatures in contract with your company. If this can not be proven, this account shall be deleted and all communication will cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX gym in XXXX, Florida continued to charge my credit union account for XXXX months, after I had provided them with my XXXX XXXX XXXX membership number, which would pay for my membership. I had my credit union block the last XXXX months, as it was too late to block the previous XXXX months of charges. XXXX then had Aldous & Associates ( a debt collection agency ) send me notices that they would affect my credit rating ( XXXX ) if I did not pay {$100.00}. After several attempts on my own to resolve this matter with XXXX XXXX, I had XXXX  XXXX XXXX XXXX and from the XXXX XXXX XXXX contact XXXX twice, each. They informed me that the personnel at XXXX were very uncooperative and that they had " red-flagged '' XXXX gyms. Aldous & Associates then did affect my credit rating and I want that reversed and a refund from XXXX gyms for XXXX months membership!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
The trade line from Affirm Inc was opened last year in XXXX. It quickly became a collections account but never was removed from the installment loan category. Now it remains under installment loan although the debt buyer XXXX was paid well over XXXX  days ago. Affirm continuously certifies to XXXX that a balance exists where there is none. On the phone with me personally, Affirm said the balance is XXXX. I have provided documents from the Bank, Creditor, and Debt Buyer showing the balance as XXXX and XXXX refuses to acknowledge the fraud Affirm is committing. Affirm appears to be holding my credit hostage maliciously. Please help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year>2024 I mailed out a dispute to Experian regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing see Exhibit A in attachments below. Certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX see Exhibit B. 
Experian received my dispute letter on XX/XX/year>2024 see Exhibit C. 
15 USC 1681a speaks on accuracy of the consumer report 15USC 1681e ( b ) speaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct.

15 USC 1681i ( 6 ) ( b ) ( iii ) speaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information.

15 USC 1681i ( 7 ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph 6 ( B ) ( iii ) by not later than 15 DAYS after receiving a request from the consumer for that description.

I requested a description of the disputed items pursuant 15 USC 1681i Experian not only failed to respond in the satisfactorily time allotted by law but also failed to respond to my dispute altogether. As you can see in exhibit C my correspondence was delivered.

Experian has completely disregarded my request in not sending me information requested and also directly violated 15 USC 1681i ( 7 ) and 15 USC 1681i ( a ).

15 USC 1681i ( a ) states that information that can not be verified as accurate or complete must be deleted in 30 days.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Alorica Inc.
State: FL

Complaint narrative:
Per cfpb complaint XXXX The account that was transferred from XXXX XXXX to Systems & Services Technologies was only temporarily updated as closed on XX/XX/year> but was recently reopened on XX/XX/year>. I've filed XXXX disputes with XXXX, XXXX complaints with cfpb ; I've spoken to multiple SST and XXXX XXXX employees, including XXXX in SST 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/year> the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying SST monthly payments of {$390.00} but they have allowed both the XXXX XXXX and SST accounts to both report high balances on my XXXX credit report. As a consumer who pays my bills on time, this is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a store Kohls card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.

Company response to consumer: Closed with non-monetary relief