vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: MS

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-03 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-03 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: LA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: OH

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/2023, I deposited a personal check written by my aunt into the ATM at the XXXX XXXX branch. The check posted to my account on the XXXX, but showed no funds available pursuant to the funds availability policy. On XX/XX/XXXX, my online access to both my checking and savings accounts were revoked. When I called CitiBank, I was informed that I was being investigated for deposit fraud and that I could call back on Monday, XX/XX/2023 for an update. On XX/XX/2023, both myself and my aunt called repeatedly to try and resolve the issue with the check. CitiBank stated that because my aunt 's " cell phone '' was not registered to her -- they could not accept her calling in as verification that she wrote the check. Eventually, after 7-8 calls between the two of us, a representative finally verified her and we were told that the issue was resolved but I had to wait 24-48 " business hours '' before I could have access to the funds. I waited the two days and then called and attempted to regain access to my online accounts that had been frozen. The representative informed me that I was required to get a new debit card before my access to my own funds would be restored. I could " expedite '' the arrival of a new debit card for {$6.00} or wait 5-7 business days. I opted to wait 5-7 business days because I am not giving CitiBank money for their own mistakes. It has now been 18 days since depositing this check. I still do not have access to my credit card online, nor do I have access to any of the funds within my checking or savings accounts. It is insane that a bank can withhold your funds and then require you to pay to expedite access to what is rightfully yours. Additionally, I've received no written communication regarding any of this -- simply a letter stating that none of the funds of the check would be available until the XXXX of XXXX due to " confidential information that the check might not be paid. ''

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 2023-07-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-03 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I closed my checking account with BMO Harris and didnt realize that did not automatically disconnect my XXXX account. 

On XX/XX/XXXX, a deposit in the amount of {$2000.00} was sent to me via XXXX XXXX still connect to the closed BMO checking account. 

Realizing this immediately, I called BMO and was told since the account is closed it would automatically be refunded to the sender within 3 business days. 

XXXX XX/XX/XXXX, I received a from BMO thats stated they successfully deposited the XXXX payment to my account. 

The account was closed and I logged it to see it was still at a {$0.00} balance. Given 3 business day passed I called again to speak with someone and was told they BMO had no history or records of any transaction even though I had an email from them stating otherwise. 

They advised me to have the sender file a claim with their bank. The sender did as instructed. The claim was denied to BMO stating they had deposited the funds as instructed. 

I called again and was told the same thing that the money was probably in limbo somewhere as they have no idea where the funds are and somehow have no record of the transaction. They told me to file a claim with the sender. Again I stated they had sent me an email stating they received the payment and now are saying they didnt. 

It is now XX/XX/XXXX and I still have not received the payment nor has it been been retired to the sender. BMO Harris is illegally holding funds and not releasing them.

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 2023-07-03 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
These docs are coming from me ; XXXX XXXX and not a third party.. I did not authorize these two inquiries on my credit report. # XXXX XXXX. XXXX XXXXXXXX : XX/XX/2023 XXXX Credit Plus : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: TN

Complaint narrative:
On XX/XX/23 I looked at my consumer report and I see XXXX XXXX XXXX  self on my consumer report. I never took out a loan with them I am a victim of identity theft. I never even knew anything about this. I was in prison for several years I've already let the irs know this I also have a block on my consumer report. I do not know how this loan was obtained with out my signature and without me having a home to live in. Identity theft is a crime per 18 usc 1028 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Synovus Bank
State: PA

Complaint narrative:
In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. 
I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. 
So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. 
This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports. 
This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. 
I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. 
So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. 
This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports. 
This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. 
I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. 
So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. 
This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports.

This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.

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 2023-07-03 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-03 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: MS

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay

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 2023-07-03 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: DISCOVER BANK
State: GA

Complaint narrative:
Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-03 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: MS

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive tried several times to have my student loan account removed or closed because I filed bankruptcy ( XXXX  XXXX ). It was removed in late XXXX but then it reappeared earlier in XXXX after Equifax had the data breach. However, XXXX XXXX XXXX ( US DEPT OF EDUCATION ) also keeps adding this account or updating when it should be closed on my Equifax report. Its currently identified as closed with the remaining credit agencies except Equifax. I need for this to be removed off of my Equifax report. I filed for bankruptcy in XXXX.

Company response to consumer: Closed with non-monetary relief