vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To whom it may concern. I work hard at clearing up my credit and making sure that my bills are paid on time to help boost my ratings however the three credit agencies makes it impossible for me. They are constantly decreasing my credit scores in when they should be increasing it. I recently paid off a car loan 3 months earlier than contract date. I just knew my score would increase instead they decrease it by XXXX. My finger hut account closed due to the company changes not anything to do with me. Account was current and the agencies decrease my account XXXXWhen i contacted both company 's they stated to me that the agencies are responsible for the decrease in my scores. I contacted the agencies and have not received any feedback and it's been 2mths already. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To whom it may concern. I work hard at clearing up my credit and making sure that my bills are paid on time to help boost my ratings however the three credit agencies makes it impossible for me. They are constantly decreasing my credit scores in when they should be increasing it. I recently paid off a car loan 3 months earlier than contract date. I just knew my score would increase instead they decrease it by XXXX. My finger hut account closed due to the company changes not anything to do with me. Account was current and the agencies decrease my account XXXXWhen i contacted both company 's they stated to me that the agencies are responsible for the decrease in my scores. I contacted the agencies and have not received any feedback and it's been 2mths already. 

Please help 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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/23 we saw a transaction on our business account for {$140.00} that we did not make. We contacted our banking rep XXXX and Customer Service. We were told Bank of America knew this to not be a reputable charge and they would reverse the transaction and it would fall off the following day. This is the next day and the charge went through and Bank of America said we will have to submit a fraud complaint. 
We informed Bank of America of the fraud charge on our account and Bank of America said we would not be charged but we were charged anyway.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-18 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.he following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I have been a XXXX XXXX for 22 years. When I saw my credit used in the USA and I was not in the USA I sent all 3 credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are 6 years and 10 months today and the algorithm is falsely claiming they are true plus XXXX XXXX now says I have a late payment I have 0 late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks

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 2023-07-18 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-18 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: NV

Complaint narrative:
Hi, I noticed there were several inquiries on my credit report. I have made the bureaus aware of this and informed them these inquiries were made without my consent, knowledge, or authorization. I have sent out letters recently and have tried on several occasions to resolve this issue with the companies and banks. I have also sent out letters to the credit bureaus. 

I am hoping you are able to help rectify this issue, as it's frustrating and challenging to be a victim of any company 's fradulent and unethical practices.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid 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 2023-07-18 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 2023-07-18 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
there are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks

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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I obtained the loan in 2015 when I had an operation preventing me from working. I was making my payments but the amount was going all to interest and not paying off the principal balance, the loan was sold to other vendors and interest increased. I was then making payments to the XXXX XXXX XXXX XXXXXXXX who obtained the account from One Main Financial. When I defaulted the payments they sued me and increased the balance, now my wages are being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: NC

Complaint narrative:
XX/XX/2021 1st progress/XXXX account # XXXX {$180.00} disputed to remove with my balance due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo transferred from one account to another which was not authorized by me and advised me of this by letter on XXXX and has made NO effort to reimburse me of the lost monies because of this. This transfer was NOT authorized by me thus allowing a scammer to make me think that one of the bank employees was scamming my account and he would make every effort to retrieve the monies for me. When discovered by me, I reported this to their fraud dept. who stated in their letter dated XX/XX/22 that the case was closed because " we couldn't reverse the online transfers, either because there wasn't enough funds in the account or the account has been closed ''. Your claim is now closed ''. Yes the accounts in question were closed by me when I realized other unauthorized persons had access to my four ( 4 ) accounts. A wire transfer to XXXX XXXX was Not authorized by me " as the money will not be returned from the receiving receiving bank ''. A police report was also made to the XXXX Police Dept. The bank did not investigate this issue other than to tell me they could not get any of the {$87000.00} I lost.

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 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We recently opened a Capital One Kids Savings account with a check for {$5000.00} from an inheritance to my XXXX XXXX XXXX daughter. Capital One cashed the check and placed it into the Kids Savings Account but has placed on hold on the account as well as another savings account that I have had with them for five years or so ( with a balance of {$100.00} ). I've called Capital One on 3 occasions, being placed on hold my long periods of time, and they will not release the money for either account. The are telling me that I must have the person that wrote the check, call Capital One or take a phone call from Capital One, so they can presumably decide if they are ever going to allow us to access this money. The check writer is in failing health and so far is unable to make a phone call. Capital One refuses to do any further investigation, such as calling XXXX, the bank that the check came from or take any other measures to conclude that the check is valid. The check was cashed and the funds taken from the XXXX account over one month ago and the check writer did not file any complaint with XXXX. There hasn't been any indication from XXXX that the XXXX check wasn't valid. There isn't basis or reason to suspect of doubt the authenticity or intent of the check writer. The check is vaild.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: United PanAm Financial Corp.
State: LA

Complaint narrative:
I filed a FTC report on XX/XX/2023. The result was that the det was verified. I am a victim of identity theft and I have no knowledge of the account that is listed below. Please remove so my credit reports will read as true and accurate. 

United Auto Credit {$120000.00} Account charged off Acct # XXXX

Company response to consumer: Closed with explanation