vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, 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: NM

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have some inquiries on my report I did not authorized. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting company is reporting inaccurate information on my account. They are not following the USC 15 codes for consumers. I have called each credit bureau to have them look into the matter. I have asked for original documents for the items reporting on my account they never send them the just say that the account was verified. But as the consumer i am the only person who can verify my identity. The have refuse to remove and update any late payments which are also illegal to report. The can't legally give a consumer the choice to opt into an agreement and not the right to opt out. Legally medical records that are being reported without being verified by me the consumer. I have asked the companies who are reporting these items as well for them to be remove and they refuse to verify, i reported it to the credit bureau and was talked to very rudely and disrespectful. I have not been given any resolve and i should have a good credit score and it is keeping me from being able to live a good life and buy a house. This is defamation of character. They are reporting the wrong address, the have an employer listed who i never gave a written consent to review my personal information this is against the law. Please help.

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 2023-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
Hello this company continues to harass me and skip trace family members I have never heard off but the family members are finding me via social media. I have asked to go to court they keep reselling this when I'm already paying a company and sent the proof. I've emailed and mailed cease and desist and they will not stop. I contacted my attorney he advised me to file a complaint here first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
This is not the first time Ive had trouble with Dollar Bank. Between mid XXXX and early XXXX of XXXX, my debit card was compromised twice in a 15 day period. The replacement cards took a very long time to arrive and I found the service I received over the phone to be less than great. After the XXXX time my card number was compromised, I opened a new checking account at a different bank with the intention of closing this one. 

On XX/XX/XXXX I received a letter for overdrafted transactions to XXXX. Knowing I hadnt used this account in some time, I called and filed a fraud claim. The next day I reinstalled XXXX and discovered I had been wrong, the transaction was made on my XXXX using this account in error. I immediately called Dollar Bank back and asked to cancel the fraud claim, to please waive the fees, I would settle the account and close it then. The rep I spoke to ( XXXX XXXX advised I would need to go to a branch to close the fraud claim and they would handle waiving all of the fees and settling/closing the account. I confirmed the branch would waive ALL fees more than once. 

So I took time off of work today to go to the branch, withdraw the fraud claim and settle it. I had to write a statement and sign it to withdraw the fraud claim. Then they refused to waive the three {$36.00} overdraft fees that they applied to the account, would only waive two. I told them I would happily wait while they contacted the call center and pulled the call and that I would like what I was told on the phone to be honored and they refused multiple times to waive the fee, refused to close my account and threatened me with a charge off. Over two transactions totaling less than {$25.00} that I was willing to pay! I was a loyal customer for more than eight years and always had direct deposit. I recommended them to so many people and I feel lied to, I feel bullied by both the personal banker XXXX XXXX XXXX and his boss, branch XXXX XXXX XXXX. So now Im out not only the wages I lost not being at work to go all the way out to the branch, I was deceived by multiple people. I feel this is a XXXX violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 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: PA

Complaint narrative:
Please see documents Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my Lendmark Finanacial account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****

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 2023-01-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I sent a payment ( XXXX money order # XXXX ) via Priority mail tracking number XXXX to Barclays Bank for my credit card, and it was received by them on XX/XX/2023 before noon. 

The Due date of my XXXX statement for the credit card was XX/XX/2023. 

I was still charged XXXX cents for interest charges for a payment made and received on time.

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 2023-01-24 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: CA

Complaint narrative:
I noticed multiple problems with the following accounts that are included with my dispute. 
I'm attaching my letters with my personal info.

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 2023-01-24 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I noticed multiple problems with the following accounts that are included with my dispute. 
I'm attaching my letters with my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a new alert from XXXX today that i have a new address added to my account, the address is " XXXX XXXX, CA XXXX ''. And I don't recognize this address. Then i login to XXXX account to see my credit card record and found out there was a " Bank of America '' credit card added to my account since XX/XX/2019, which I didn't authorize. Please remove it this record from 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 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Mineola Texas Star, LLC.
State: TX

Complaint narrative:
Texas Star and XXXX XXXX was authorized to take out one payment of {$130.00} biweekly on Fridays. Wednesday, XX/XX/2023, Texas Star and XXXX XXXX, specifically XXXX XXXX, took three different payments totaling {$790.00}. Transaction # XXXX {$520.00}, Transaction # XXXX {$130.00} Transaction # XXXX {$130.00}. These transactions were unauthorized for the date and the amount. XXXX XXXX took it upon herself to pay my loan off and drain my bank account without notice. I was behind by one payment. I tried reaching out to XXXX XXXX and Texas Star several times with no answer or response. However, XXXX XXXX reached out a few times and left multiple very rude voicemails and texts messages, but claimed to never receive my texts and calls concerning my payments. This matter was handled very unprofessionally considering the content of the texts and voicemails left, as well as the sudden and unexpected payments taken from my account. I have been very cooperative and on time with all of my payments. When I called to talk to XXXX she was fumbling for words and unsure how to respond. She said they took it upon themselves to pay the loan off in full. I was told the only way to get my money back was to resign for another loan. That was not an option for me considering this loan was so close to being paid off and such a high interest rate. The only reason this was done was to get me to resign another loan so they will have more sales. This whole matter was extremely unprofessional, unethical, and very disrespectful.

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 2023-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS IS NOT DUPLICATE********** I HAVE NOT BEEN ABLE TO REACH EQUIFAX CREDIT REPORT AGENCY. THEY HAVE SENT OVER THE SAME INFORAMTION NOT RESPONDING TO EACH INDIVIDUAL RESPONSE. I HAVE SUBMITTED A REQUEST FOR XXXX XXXX XXXX COLLECTIONS TAKING OVER XXXX XXXX XXXX  ACCOUNTS TO BE VALIDATED. THE COMPANY FAILED TO DO SO IN 30 DAYS WHICH IS MY RIGHT THROUGH FRCA AND EQUIFAX HAS FAILED TO REMOVED THE ACCOUNTS. I HAVE SEVERAL REQUESTS ONLINE THROUGH CFPB BUT NO RESPONSE FROM EQUIFAX OR XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023 I learned that I have an account with Bank of America with a balance of XXXX. 
On the night of XXXX I called Bank of America only to discovered that I was an authorized user to that account that owe the money. I was only XXXX XXXX XXXX when that account was closed, according to BOA m. Bank of America check and made sure that under my name and social security number there werent any account and they were able to remove me as an authorized user from the account that night. 

My issue is that XXXX will not remove the account with balance from my credit report because I cant provide them with any proof. I cant get Bank of America to send them a proof because I dont have account with them. 

Please help me, I wont be able to get a mortgage with this on my credit report. 

Please reach out to me if you need any further information. 

Thank you, 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I have been directed to apply for credit cards thru credit karma thatbibwas pre approved for and then denied and it caused my score to go down from a hard inquiry

Company response to consumer: Closed with explanation