vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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:
Experian has put a middle name on my credit profile that is not mine. This is not my name and has never been my name. Experian has a copy my passport already and I'm not sure why they thought to ADD a middle name to my account and MISPELL IT. I do not use my middle name and do not want a middle name on my account. 

Remove this because it's not spelled correctly and I did not authorize the addition of any name changes on my account and they do not have any supporting legal documents, such as a birth certificate, ID, Passport, ANYTHING with my name spelled like this. 

This information is false and inaccurate and needs to be removed immediately. Do not put any unauthorized names on my profile, file, report or any other documents that Experian has to identify my name.

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 2023-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
In XXXX of XXXX I signed up for an Ally Bank promotion called " XXXX '' which offered a 1 % cash bonus to existing customers ( which I have been for over 15 years ), for new deposits from an external source for a total bonus of up to {$500.00} if {$50000.00} was deposited. 
I contacted customer service at Ally by phone on XX/XX/XXXX, asked questions and confirmed that I understood and was following all the terms of the promo. I enrolled in the promotion and opened a new Money Market ( which is one of the qualifying accounts for the promotion ) account # XXXX for the purposes of depositing $ XXXX new funds into Ally while on the phone with them. 
Terms of the promotion included : -Must be enrolled by XX/XX/XXXX I enrolled XX/XX/XXXX -Fund account by XX/XX/XXXX I funded the account with XXXX new money from XXXXXXXX XXXX  XXXX XX/XX/XXXX -Keep the new funds in the account thru XX/XX/XXXX. XXXX. I did not withdraw the funds until XX/XX/XXXX -Get cash bonus on or by XX/XX/XXXX. 
I have yet to receive my {$500.00} cash bonus to my money market account. I have left the account open for this reason. On XX/XX/XXXX I called Ally customer service and the rep confirmed that I had met all the criteria to receive the bonus. She then opened a case # XXXX. I was told I'd be contacted with in 2-3 days ( I was not ), and the case should be resolved in 7-10 biz days ( by XX/XX/XXXX ). No resolution yet. 
I have called weekly, escalated the case ( same case # ) on XX/XX/XXXX, have talked to several " managers '' and have receive little information or explanation. After the 10 days had passed with no resolution, I am now being told by Ally " their is no timeline " although I was told someone was " assigned to my case '' almost 2 weeks ago! 
On my most recent call today, the customer service rep told me that now most of her calls are from unhappy customers who have not received their cash bonus. I also sent a written letter of complaint to Ally this week. As of today XX/XX/XXXX, I still have not received the {$500.00} cash bonus from Ally Bank.

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted SunTrust Bank regarding archived records of my checking and savings accounts, in addition to the possibility of a check deposited in the amount of {$11000.00}. SunTrust Bank did not produce any records, nor to even prove that been a client within their institution. Knowing that I held accounts with SunTrust Bank, I am disturbed by the fact that they were unable to confirm that I was a previous client, even at the very least.

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 2023-03-14 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: NY

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-14 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: NY

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: NJ

Complaint narrative:
The unverified items indicated below are reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXalance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXX  XXXX Owed : {$680.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$550.00}.

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 2023-03-14 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: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  XXXX Balance Owed : {$610.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX  XXXX Balance Owed : {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CA

Complaint narrative:
Consider this as my follow-up filing of the complaint in line with my previous attempt. I needed the items that are erroneously reported in my file removed. This complaint serves as a notification to ensure the removal of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TN

Complaint narrative:
I am currently in the mortgage application process and the report from Underwriting is showing that my credit card issued by XXXX Bank is in 'dispute status '. I called TransUnion twice, and I was told twice that the dispute is not showing up. The account has a XXXX balance and there is no dispute.

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 2023-03-14 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: TN

Complaint narrative:
I am currently in the mortgage application process and the report from Underwriting is showing that my credit card issued by XXXX XXXX  is in 'dispute status '. I called XXXX twice, and I was told twice that the dispute is not showing up. The account has a XXXX balance and there is no dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
To whom it may concern, UNFAIR, ABUSIVE AND DECEPTIVE to say the least. 

As a single father of 5 children, I was impacted drastically with XXXX. I lost my job and also my home. This called me to fall behind on all my obligations. Unfortunately, on XX/XX/XXXX My auto loan was assigned for repossession with Bank of Hawaii. 

I found the strength to not only find a 3rd job to supplement income and get back on my feet. I would not give up. 

On XX/XX/XXXX I was able to cure the amount quoted to me on XX/XX/XXXX that would cure the delinquent amount, late fees and repossession fees. As soon as I was able to make payment to Bank of Hawaii, I contacted to collection department and spoke with the supervisor by the name of XXXX, he assured me that everything was taken care of. 

On XX/XX/XXXX, My truck was repossessed. I called Bank of Hawaii, and they stated it was repossessed in error. Whomever was supposed to cancel the order failed to do so. They said I needed to go down to the tow yard to pick up my vehicle with no cost and they would also assist me with reimbursing the repo fee along with giving me one month payment free due to this error that could have been prevented. I explained to them I missed a day 's work and also my children missed their doctors ' appointments. They promised to make things right and get back to me on XX/XX/XXXX at XXXX. 

I received a call on XX/XX/XXXX from XXXX ( Collections Supervisor/Manager from XXXX ) and was told as a slap in the face- They will not help me other than giving me back {$300.00} worth of fees because the reason he didn't need to cancel the repossession was because there was a {$26.00} fee that I did not cure. I asked why wasn't this told to me when they quoted me a payoff as of XX/XX/XXXX. 

How can they go from explaining to me it was my error to telling me " TO BAD ''. From admitting error to back pedaling to save themselves from litigation fees. 

This is unfair to say the least. I am being bullied by this cooperation. Who stands up for us. I am a single father of 5 trying to make it in this life even with the post-covid struggles. How can they be called " Bank of Hawaii '' when their actions do otherwise. 

CFPB stands up for the consumer and ensure/enforces creditors to do right by the consumers. 

XXXX at Bank of Hawaii should take accountability for his teams ' actions and also be held accountable for a despicable mistake. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
Experian sent alerts that 5 credit inquiries were made on the same day XX/XX/23 - 2 by XXXX XXXX, 1 by XXXX XXXX XXXX XXXX, 1 by XXXX XXXX, 1 by XXXX XXXX XXXX and 1 credit inquiry on XX/XX/23 by XXXX XXXX XXXX We contacted Experian who put a fraud alert to monitor credit inquiries and to make sure to contact me if/when any other inquiries are made. Each loan ageny was contacted individually. All except XXXX voided the applications for car loans. Awaiting XXXX reply

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 2023-03-14 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: NJ

Complaint narrative:
I am writing to inform you of unauthorized inquiries on my credit report that I would like removed. As per the Fair Credit Reporting Act ( FCRA ), unverified and unauthorized items must be removed from the credit report. Therefore, I request that you remove the following items from my credit report : XXXX account that shows closed on XX/XX/XXXX XXXX  XXXX XXXX that shows closed on XX/XX/XXXX Hard inquiry from XXXX XXXX XXXX Inquiry : XX/XX/XXXX Additionally, I noticed that XXXX is reporting an incorrect address on my credit report. The address mentioned is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, but that is not my address. 

Furthermore, there are inquiries on my credit report that I did not authorize, such as : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. 

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under it open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX amount {$5100.00}, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-03-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was found in my reports which I believe has been taken care of due to the written appeals I sent. The action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : WELLS FARGO XXXX Date Opened : XX/XX/18 Balance : : {$0.00}

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