vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, 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 non-monetary relief
Consumer complaint received 2024-03-27 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 non-monetary relief
Consumer complaint received 2024-03-27 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: OneMain Finance Corporation
State: PA

Complaint narrative:
The Fair Credit Reporting Act requires maximum possible accuracy and that agencies must take reasonable procedures to ensure that. It is being claimed that the account is reporting accurately to all consumer reporting agencies which is false and I demand this account is deleted. See attached exhibits and company responses. It is clear that they did not conduct proper investigation to this matter so I demand that they send me the procedures they took to ensure the accuracy of this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The early warnings of voliolation of US CODE Improper use of my credit report Credit report Agency XXXX equifax XXXX Codes thats violated my rights 15 USC 1681 ( A ) ( 2 ) ( I ) ( A ) ( B ) ( 3 ) 15 usc 1681 604 A section 2 15 usc 1666b A Dear credit bureau, I'm writing because my rights has been violated. In accordance with the fair credit reporting act, these creditors has unlawfully recklessly not investigated properly. These credit bureau knowing violated my privacy under title title 15U. SC1681. 604 a section 2 and also states, A consumer reporting agency can not furnish. An account without my XXXX instructions on the 15 USC 1666B.A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason I will appreciate a follow up as i continue to Clarify my file with the three credit bureaus and any other " person '' that has violated my rights, thank you look forward to hearing from you. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NJ

Complaint narrative:
The early warnings of voliolation of US CODE Improper use of my credit report Credit report Agency Experian XXXX XXXX Codes thats violated my rights 15 USC 1681 ( A ) ( 2 ) ( I ) ( A ) ( B ) ( 3 ) 15 usc 1681 604 A section 2 15 usc 1666b A Dear credit bureau, I'm writing because my rights has been violated. In accordance with the fair credit reporting act, these creditors has unlawfully recklessly not investigated properly. These credit bureau knowing violated my privacy under title title 15U. SC1681. 604 a section 2 and also states, A consumer reporting agency can not furnish. An account without my XXXX instructions on the 15 USC 1666B.A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason I will appreciate a follow up as i continue to Clarify my file with the three credit bureaus and any other " person '' that has violated my rights, thank you look forward to hearing from you. 

Best regards,

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 2024-03-27 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/23 I was contacted by Wells Fargo Fraud Department and informed that my checking account had been " Hacked ''. 
I immediately closed my XXXX + year old checking account!! 
Someone had created and cashed XXXX Fake Checks out of my account without even a checking or routing # ... all within a couple of hours. 
After a lot of back-and-forth I finally got reimbursed for all of the fraudulent checks. 
Several weeks after the initial episode, I was contacted by XXXX XXXX stating that my payment of {$7700.00} was past due. I was able to look on-line and tell them that the check had already been processed and deposited. Upon further investigation I found that someone had endorsed my check written to XXXX XXXX and deposited it under the name of " XXXX XXXX ''. The XXXX XXXX check of {$7700.00} was the beginning of this Fraudulent episode. 
Wells Fargo has closed the investigation and states that the bank that accepted the Fraudulent / Forged XXXX XXXX check was responsible. They further stated that they would let me know if they are able to recover the {$7700.00}. 
I am stunned that someone could access my checking account that easily. I am even more stunned that " My Bank '' Wells Fargo allowed it to happen. I contacted Wells Fargo to protect my Checking Account, they are100 % responsible for this " THEFT '' and it is time for them to reimburse the money they released from my 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 monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a Bank of America Business advanced fundamentals checking account ( account ending # XXXX ) in XX/XX/XXXX under a {$200.00} promotional bonus offer being advertised. My account was approved and opened on XX/XX/XXXX. The terms of the promotional offer required depositing {$5000.00} or more in new funds within the first 30 days of account opening, and then maintaining that balance for the next 31-90 days. 

I deposited {$5000.00} to my account on XX/XX/XXXX and maintained at least the {$5000.00} balance through XX/XX/XXXX. Therefore, I have satisfied all of the requirements of the promotion in order to receive the {$200.00} bonus amount. Nonetheless, I still have not been credited the {$200.00} bonus to my checking account. 

I chatted with a Bank of America representative on XX/XX/XXXX to inquire on the status of receiving my {$200.00} bonus. The representative gave me no clear details around why the {$200.00} has not been issued to me yet and did not clarify at all what the status of my bonus payout is or when I could expect to receive it. I reiterated the terms of the promotion I signed up under several times and pointed out that I have fulfilled the promotion requirements. The representative simply told me that the 'reward is in review ' and then copy and pasted the promotion terms back to me which was useless of them to do given that I am aware of the promotion terms and had stated what they were to the representative myself earlier in our chat. 

Bank of America needs to review my business checking account immediately and rightfully credit the {$200.00} bonus amount to my account as I have properly satisfied the terms of the promotion which I signed up for when opening this account and the necessary amount of time ( 90 days from account opening ) has elapsed so the {$200.00} bonus should be credited to me by now.

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 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to submit a complaint regarding fraudulent accounts listed on my credit reports provided by TransUnion, XXXX, and XXXX. Over the past several months, I have discovered unauthorized accounts on my credit profile which I believe are the result of identity theft or fraud. 
I have repeatedly contacted [ TransUnion, XXXX, and XXXX ] from XX/XX/XXXX to XX/XX/XXXX to dispute these accounts and requested their immediate removal. Despite providing sufficient evidence and following the necessary procedures, I have either received no response or inadequate responses, and the fraudulent information remains on my credit report. 
The presence of these fraudulent accounts has severely impacted my credit score and has caused significant distress due to the potential for long-term financial harm. 
I am demanding that the following fraud accounts be removed from my credit profile without further delay : XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to submit a complaint regarding fraudulent accounts listed on my credit reports provided by XXXX, Equifax, and XXXX. Over the past several months, I have discovered unauthorized accounts on my credit profile which I believe are the result of identity theft or fraud. 
I have repeatedly contacted [ XXXX, Equifax, and XXXX ] from XX/XX/XXXX to XX/XX/XXXX to dispute these accounts and requested their immediate removal. Despite providing sufficient evidence and following the necessary procedures, I have either received no response or inadequate responses, and the fraudulent information remains on my credit report. 
The presence of these fraudulent accounts has severely impacted my credit score and has caused significant distress due to the potential for long-term financial harm. 
I am demanding that the following fraud accounts be removed from my credit profile without further delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: WA

Complaint narrative:
Clearing credit In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX, Account name : # XXXX XXXX  , has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I recently shifted money from XXXX high yield savings to Marcus by Goldman Sachs high yield savings on XX/XX/ 2024. I attempted to move a portion of it to my checking account to cover expenses on XX/XX/XXXX and it was reversed without explanation. I attempted to transfer funds again to my checking on XX/XX/2024 and was told this would again be declined because the funds had not been in the account sufficiently long. When I inquired when I would be permitted to transfer funds, I was told that they could not provide me a specific date and it is done case by case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Received initial phone call from Congress Collection on XX/XX/XXXX asking to collect on debt owed that I was not notified of beforehand. During this phone call, I advised I was unable to make any payments at this time. They stated collection efforts would continue and that it would be reported and hurt my credit if I did not pay. They also left voicemails attempting to collect the debt on XX/XX/XXXX without verifying that the voicemail was private or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NJ

Complaint narrative:
The early warnings of voliolation of US CODE Improper use of my credit report Credit report Agency XXXX XXXX transunion Codes thats violated my rights 15 USC 1681 ( A ) ( 2 ) ( I ) ( A ) ( B ) ( 3 ) 15 usc 1681 604 A section 2 15 usc 1666b A Dear credit bureau, I'm writing because my rights has been violated. In accordance with the fair credit reporting act, these creditors has unlawfully recklessly not investigated properly. These credit bureau knowing violated my privacy under title title 15U. SC1681. 604 a section 2 and also states, A consumer reporting agency can not furnish. An account without my Whitten instructions on the 15 USC 1666B.A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason I will appreciate a follow up as i continue to Clarify my file with the three credit bureaus and any other " person '' that has violated my rights, thank you look forward to hearing from you.

Best regards,

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 2024-03-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA , XXXX EMPLOYER - XXXX XXXX XXXX XXXX EMPLOYER - 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 2024-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX  XXXX - XXXX Unknown - XXXX

Company response to consumer: Closed with non-monetary relief