vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to file a formal complaint against XXXX XXXX for reporting false information to the credit bureaus. I had a credit card account with XXXX XXXX for a few years that was never late and never missed a payment. XXXX XXXX made an offer for me to join a program where I could pay off my credit balance off at 0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account. 
I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently XXXX XXXX updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked XXXX XXXX several times to update XXXX XXXX did update it, but then switched it back. XXXX bank has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecting my credit score drastically please resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to file a formal complaint against XXXX XXXX for reporting false information to the credit bureaus. I had a credit card account with XXXX XXXX for a few years that was never late and never missed a payment. XXXX XXXX made an offer for me to join a program where I could pay off my credit balance off a

t 0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account.

I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently XXXX XXXX updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked XXXX XXXX several times to update XXXX XXXX did update it, but then switched it back. XXXX XXXX has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecting my credit score drastically please resolve this immediately.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I would like to file a formal complaint against synchrony bank for reporting false information to the credit bureaus. I had a credit card account with synchrony bank for a few years that was never late and never missed a payment. synchrony bank/PayPal made an offer for me to join a program where I could pay off my credit balance off at

0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account.

I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently synchrony bank updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked synchrony bank several times to update synchrony bank did update it, but then switched it back. Synchrony bank has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecti
ng my credit score drastically please resolve this immediately.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to notify you that I have been a victim of identity theft due to a recent data breach. This incident has resulted in several fraudulent accounts and unauthorized credit inquiries being added to my credit report without my knowledge or consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$6100.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$13000.00} XXXX. XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$150.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$150.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$870.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$1200.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$180.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$8700.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$930.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Every time I utilized the oops protection I was charged XXXX dollars plus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-08 00:00:00
Product: Credit reporting 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:
Im reaching out for your assistance with the incorrect account on my credit report. This has damaged my reputation as a customer, and I need your help. I am requesting that these accounts be removed due to the inaccurate and negative reporting.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This is with Citi Bank, I am trying to send a international wire transfer to pay for some stock options through my company. I have verified the wire information through my company but Citi will not allow the wire transfer to go through due to they think it is fraud. I have called and spoke with several people but there is no help to resolve the issue. It makes no sense after I verified the recipient.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts from my credit report due to identity theft. I recently became aware of fraudulent accounts opened in my name following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting immediate removal of these accounts. 
The following accounts are fraudulent and must be removed from my credit file : 1. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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.

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 2024-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I've used PayPal banking services for different financial app services. I link my regular banking account with PayPal. I haven't used PayPal since XXXX  and maybe even longer. I've stopped using my PayPal as suspicious emails and unknown merchant/vendors were on my account. I've reached out to PayPal regarding such issue but no response and or solution was given to me. Until now, I am still receiving fraudulent notices being made to my account. I've also received several notices via email and phone calls from PayPal that I have a debt out with them that I must pay otherwise it will affect my credit. I do not owe PayPal anything and would like my account closed permanently. It's so hard trying to get a hold of a rep and I am not able to log in my account as it states " no account found! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ask that you take this complaint seriously and carefully review the attached file. I have been trying for an extended period to resolve the errors on my credit report, but despite my repeated attempts, nothing has been done to correct the inaccuracies. My requests for corrections have been repeatedly ignored, and this situation has become unbearable. 

The impact of these incorrect entries has been far-reaching, affecting nearly every aspect of my life. The stress from dealing with this issue is taking a serious toll on my mental health. Even worse, the errors have lowered my credit score to the point where I cant even afford to seek help due to the negative impact on my financial standing.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Hi, so I believed there is a lawsuit against bank of America and all there overdraft fees from a period of time.. I know from maybe what waz XXXX all the way thru XXXX bank of America had change me fees for overdrafts like almost every week or so.. I no have access to my accounts since the bank had closed down all my accounts here recently..

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Amount : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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