vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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: CO

Complaint narrative:
Experian is purposefully trying to alter my credit score in a negative way because I have previously filed a complaint against them for incorrect information. My XXXX XXXX XXXX account is not a charge off the account is paid in full. I have the paperwork here to support that. Since I filed a dispute on Experian a month or so ago they have purposefully lowered my credit rating XXXX points and then again XXXX points, even though I have taken my credit utilization below 30 % and paid all my bills on time. They currently list my available credit at 100 % and yet they keep lowering my score. This is not correct business practice. My husband and I are trying to buy a house and I believe that Experian is purposefully targeting me and altering my credit report. My XXXX XXXX XXXX  account was paid in full and closed in XXXX. The correct wording needs to be applied to my account and it is not a charge off. My XXXX XXXX is not a change off either. I have disputed both of these accounts before in the past and they have corrected the information, then in the last few days Experian has decided to purposely alter my credit report to harm me. They are doing this on purpose and they are doing bad business and affecting my life in a negative way. I have worked very hard the last two years to improve my credit score and pay off my debts. The other two credit bureaus reflect the correct information and they have improved my score to both over XXXX currently and reflect the right information as of now. This is abuse by Experian and I am really hurt and frustrated. Please look into their behaviors and this error. This is not fair or correct

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 2023-04-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/, I submitted a dispute to have my proper name listed on my TransUnion Credit report. Currently my name on the report is incorrect. Per the companies website, they ask that you send proper documentation ( 2 forms ) that has your correct information. I sent in both my state issued drivers license, Federal Global Entry ID and my passport. This was all delivered to TransUnion via certified mail on XXXX On XXXX  I received a letter from TransUnion stating that " The information sent was not sent from me or an authorized agent on my behalf ''. On XXXX XXXX called TransUnion directly to inquire about the letter and was promptly blown off by 3 agents stating that " the items I sent couldn't be validated ''. If I provide 3 pieces of identification, and it can't be validated what else am I 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 non-monetary relief
Consumer complaint received 2023-04-16 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX is purposefully trying to alter my credit score in a negative way because I have previously filed a complaint against them for incorrect information. My commenity bank buckle account is not a charge off the account is paid in full. I have the paperwork here to support that. Since I filed a dispute on XXXX a month or so ago they have purposefully lowered my credit rating XXXX points and then again XXXX points, even though I have taken my credit utilization below 30 % and paid all my bills on time. They currently list my available credit at 100 % and yet they keep lowering my score. This is not correct business practice. My husband and I are trying to buy a house and I believe that XXXX is purposefully targeting me and altering my credit report. My commenity bank buckle account was paid in full and closed in XXXX. The correct wording needs to be applied to my account and it is not a charge off. My XXXX XXXX is not a change off either. I have disputed both of these accounts before in the past and they have corrected the information, then in the last few days XXXX has decided to purposely alter my credit report to harm me. They are doing this on purpose and they are doing bad business and affecting my life in a negative way. I have worked very hard the last two years to improve my credit score and pay off my debts. The other two credit bureaus reflect the correct information and they have improved my score to both over XXXX currently and reflect the right information as of now. This is abuse by XXXX and I am really hurt and frustrated. Please look into their behaviors and this error. This is not fair or correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MD

Complaint narrative:
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. 

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c.

( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-04-16 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: CA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On ( XX/XX/XXXX ) I received a text notification from what appeared to be Bank of America notifying me of a {$3500.00} fraudulent XXXX transfer and asking if it was authorized. I replied with " No '' and received a call from Bank of America 's fraud protection number. Where I was unknowingly coerced into transferring {$3500.00}. I was told I was transferring the money back to my account. Later the same day I called the same Bank of America fraud number and I was actually told by an associate that what happened was legitimate and that the money being transferred back into my account was pending. 

I also received another call on ( XX/XX/XXXX ) saying the initial claims code for the {$3500.00} transfer had expired and I needed to go through the steps again, which I did and then unknowingly transferred another {$3500.00}. Thus being scammed out of {$7000.00} total from my checking account through 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 monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I pay the insurance and taxes on my house. There is no escrow. My insurance company decided to pull out of the area in XX/XX/XXXX. I had to find new insurance and given the tight market I was only able to obtain insurance through XXXX. They however required a new roof as well as other updates and I was not able to get coverage while these updates were being done. I contacted the insurance department of my servicer select portfolio servicing and requested a forced place policy be imposed. I was told no such policy could be issued as there was an extensive process which would take time. I was able to get a liability policy and once the updates were completed I bound the XXXX  policy. I was however subjected to a 30 day wait period.. as of XX/XX/XXXX when I purchased the policy with XXXX  select portfolio did not impose a forced place insurance policy. However once they received the new policy I sent ti them, they charged me for a forced place policy all the way back to XXXX of XXXX even though there was no policy in place at that time they back dated the effective date of the policy, the charge for which showed up on my XX/XX/XXXX mortgage statement and not on any of the prior months mortgage statements. I don't think this should be allowed. I paid them in full but would like to get my mon XXXX y back. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MD

Complaint narrative:
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c.

( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2023-04-16 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: MD

Complaint narrative:
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. 

XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c.

( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, 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:
Incorrect Information 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 explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a {$500.00} XXXX XXXX Gift Card XXXX at XXXX in XXXX XXXX. I have never been able to use this card as each time my transactions were declined. A couple of weeks later, I eventually checked the online account of the card and saw that 3 transactions have emptied the balance of that card. Transactions on XXXX and XXXX. I have never processed those transactions and the card has always remained in my drawer. On XX/XX/XXXX, I eventually filed a claim with InComm ( XXXX XXXX ) the issuer of this XXXX XXXX. On XX/XX/XXXX, I received a confirmation that the refund was approved and that I will receive a new card. Few days later, I have received a replacement card XXXX with only {$16.00}. I contacted again InComm but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX Also address and my name is wrong!

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 2023-04-16 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: AZ

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-16 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: OneMain Finance Corporation
State: TX

Complaint narrative:
A hard inquiry was reported on my account which I didn't apply for credit with one-main financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX Also address and my name is wrong!

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 2023-04-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Also address and my name is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect Information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
One Main Financial has an auto payment that they only control. Their website say manage payment options but doesnt allow the consumer to control their own account. I have had to cancel my payment accounts but kept getting overcharge fees and returned checks. One Main states to call them directly and make changes. I have agreed that their manage payment options is misleading. The consumer has the right to manage there accounts and not always having to call to make changes. Then when you set up autopay they keep withdrawing until they get their money which has lead to XXXX dollars in returned checks. I have never authorized multiple attempts. They remind me so much like how XXXX XXXX controled the payment options. This is abuse and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: IN

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. 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 2023-04-16 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-04-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation