vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that Experian investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

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 2024-05-18 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstroms rack charged me for an item I never received and didnt do anything to remedy the situation and sent me to collection. The purchase took place XX/XX/2023 for an item in the amount of XXXX dollars which is unbelievably unreal and I was held liable for merchandise I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've noticed some unauthorized hard inquiries on my Experian credit report that I don't authorize. According to FCRA these unauthorized and unverified inquiries must be removed. The two inquiries that I have noticed are XXXX XXXX NA XX/XX/2024, and XXXX XXXX XX/XX/2024.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.

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 2024-05-18 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: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Your sales person XXXX XXXX are still listing advertising your client XXXX XXXX purchased my property XX/XX/XXXX a different date of client and is the exact support he has been you to fake a purchase. You list as XXXX XXXX XXXX XXXX but your client has committed forgery by going on to cash two checks in my name from XXXX and put them into an account known as XXXX XXXX XXXX at XXXX  XXXX XXXX Im sure you are aware. In addition my broker XXXX XXXX  XXXX XXXX XXXX Mi XXXX loan XXXX they were fully aware that the loan was mine that on XX/XX/XXXX under XXXX XXXX XXXX made a inquiry and XXXX  responded- WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX CALLS US AT XXXX XXXX, To provide verbal authorization. Also, I conducted an affidavit of forgery XX/XX/XXXX and made a police report XX/XX/XXXX and are handled by detective. XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX for 27 minutes spoke to XXXX  XXXX XXXX mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX XXXX XXXX are lying saying XXXX XXXX has clear title and is no clear title in the file using your loan attach to another loan XXXX for XXXX to XXXX XXXXXXXX XXXX PLEASE EXPLAIN YOUR INVOLVEMENT Using two fake SSN numbers XXXX and 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 explanation
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
My account was closed after I reported fraudulent use. I then reviewed the statements they sent upon account closure and realized I haven't received some orders that I have been charged for. I called the bank to ask if they can look into it for me and they said they can't do anything because the account is closed and to talk to the merchant. The merchants all said to dispute with my bank and I told that to the bank representative and he told me I will just have to take the loss.

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 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I closed a credit card account on XX/XX/year> with AMEX and the balance was {$0.00} on that day. 2 months later they reported me as a delinquent account with a {$3.00} balance that didnt show on date account was closed. Now my credit score dropped significantly and they said theres no way for them to fix it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX Balance updated XXXX 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 explanation
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and the most updated information that is being recorded For the following account XXXX XXXX and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on XXXX the account is CLOSED, Equifax as OPEN and XXXX CLOSED. 

Also the last activity showing on my report stated that XXXX recorded XXXX XXXX and on my EQUIFAX showing XX/XX/XXXX XXXX XX/XX/XXXX. 

Allow me to also mention my monthly payment on XXXX that reported {$0.00} EQUIFAX {$570.00} and XXXX {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently checked my credit report and the most updated information that is being recorded For the following account XXXX CO.DRS and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on XXXX the account is CLOSED, XXXX as OPEN and Experian CLOSED. 

Also the last activity showing on my report stated that XXXX recorded XXXX XXXX and on my XXXX showing XX/XX/XXXX Experian XX/XX/XXXX. 

Allow me to also mention my monthly payment on XXXX that reported {$0.00} XXXX {$570.00} and Experian {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : 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 explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have found fraudulent inquiries in my credit report

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX Bank regarding several discrepancies and issues that have negatively impacted my credit report. The details of my complaint are as follows : XXXX. **Multiple Accounts Reported on Credit Report** : I have discovered a total of XXXX accounts reported on my credit report from different variations of this comapays name or affiliated companied ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc ). Some these accounts appear to have been initiated by XXXX XXXX XXXXXXXX XXXX without my consent . 

I am unable o provide account numbers and specific information about these accounts due o the fact that they have limited information listed on my credit profile XXXX. XXXX XXXX XXXX : I am aware of XXXX account, a XXXX XXXX Account XXXX which I opened and have since paid in full and closed. During the tenure of this account, I was offered a secured credit card. 

XXXX. **XXXX XXXX XXXX XXXXXXXX : The secured credit card was funded by pulling money from my XXXX XXXX Account XXXX Over time, as I made payments, I chose to have the funds moved to the XXXX  credit card fund. Upon paying off the XXXX XXXX Account in full, all the funds were transferred to the secured credit card. I was informed by a XXXX XXXX associate that I would not receive a payout because the money would be applied to my XXXX credit card. 

XXXX. **Late Payment Reporting** : Despite the funds being applied to my XXXX credit card and my XXXX XXXX Account being paid in full and closed, I am still receiving late payment notices for this XXXX  card in which i was also told was closed. This is highly confusing and unjust, considering I was led to believe that all payments were up to date and correctly managed. 

I am requesting an immediate investigation into these matters. The incorrect reporting of multiple accounts that I did not open is a serious issue that requires rectification. Additionally, the mishandling of my XXXX credit card funds and the erroneous late payment reports are damaging my credit score and financial reputation. 

Furthermore this company has also violated my rights under the FCRA. 
15 US Code 1681 section 602 15 US Code 1681 section 604 section 2 15 US Code 1666b I would like the late payments removed and account agrees to Paid as agreed, never late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
nder FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My loans transferred from XXXX to XXXX and nelnet is still showing up on my credit report. So now it shows double the amount of loans it should show. I filed a dispute with experian and it didnt fix the problem. I dont know what to do.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have encountered several unethical interactions with Bank of America. Their ongoing deceptive practices aim to defraud customers by falsely reporting late payments. This tactic appears designed to sabotage customers ' credit lines, increase interest rates, and reduce credit limits. 

I possess supporting documents for these fraudulent actions. 

Bank of America employs deceptive practices to create financial instruments that defraud their customers, akin to similar actions by other banks in the past. Despite having already paid fines for such conduct, the continued lack of government oversight perpetuates the erosion of trust. The deception and fraud persist unabated. 

Additionally, the XXXX representative assigned to my recent cases has been completely inaccessible. I received a voicemail at XXXX XXXX  XXXX, but all my callbacks and emails have gone unanswered. 

I have reached out to my senator and congressman for assistance in navigating this matter, as I find the governing agency 's role in these proceedings to be duplicitous.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.

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 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is billing for {$770.00}. I called XXXX XXXX XXXX to inquire about the overcharges and was informed that changes had been made to the account. I informed XXXX XXXX XXXX XXXX I did not make any changes to the account ; XXXX XXXX XXXX XXXX locked me out of the account for online access. So, I canceled their insurance on XX/XX/XXXX due to changes made in my auto insurance policy without my consent and knowledge being locked out of online access to see the changes, and excessive fees increased from {$380.00} to {$510.00}. All insurance monthly billings were paid in full except XX/XX/XXXX through XX/XX/XXXX. The representatives were invasive over the phone about the amount of increase as if they wanted me to cancel the policy. 

Please note, that I was out on medical leave from my employer, who happens to be using XXXX XXXX XXXX at the time of my medical leave from XX/XX/XXXX through XX/XX/XXXX however, my insurance policy rates increased excessively. My vehicle was not used for my employment. I drive a municipality truck for the public housing authority where I am employed. 

Please Note : XXXX XXXX has sent fraud billing to Credit Collection Services to report to all three credit bureaus knowing I do not owe them {$770.00}. 

Regards, Pennsylvania XXXX XXXX XXXX PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation