vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: TN

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that these accounts be deleted. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by email or directly from dispute centers.

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 2023-07-13 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
Two complaints have already been filed. They are open XXXX submitted on XX/XX/XXXX and XXXX submitted on XX/XX/XXXX which was closed without any proper resolution by US Bank. 
US Bank in its letter to me dated XX/XX/XXXX clearly states that money will be returned to XXXX XXXX XXXX by XX/XX/XXXX within XXXX business days. 
I called today the fraud department and found out new information. Money will not be returned unless XXXX XXXX XXXX  submits new documents that US Bank has asked for. This is a completely new requirement, and it reinforces my belief that US Bank will possibly never return the money with a net gain of {$24000.00} to its accounts. 
The end date goalpost has also been moved from XX/XX/XXXX. It is now end of next week XX/XX/XXXX. 
I will have to call every day and file a new complaint until my case is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-07-13 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: DISCOVER BANK
State: FL

Complaint narrative:
Over the last year I have been dealing with an unauthorized inquiry from DISCOVER FINANCIAL. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted DISCOVER, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with DISCOVER FINANCIAL SERVICES. 

I also contacted XXXX, XXXX, and XXXX. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to 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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
A checking account was opened from Truist on XX/XX/2023 with promotional code XXXX. The terms of the promotional code is to make two qualifying deposits totaling {$1000.00} or more within 90 days to earn {$400.00} bonus. The {$400.00} bonus will be posted within 4 weeks after requirements are met. 

I finished the two qualifying deposits on XX/XX/2023 but no {$400.00} bonus after 4 weeks. On XX/XX/XXXX, I provided permission to my wife to discuss my missing bonus issue with Truist customer service representative. My wife was told there is no promotion code was attached to my account. My wife offered to provide a screen shot that shows XXXX promotional code was applied to my account during the checking account application process. The customer service only stated she will elevate my issue up to the management team and have the management team to respond. My wife requested the customer service to write down she can prove the promotional code was applied from a screen shot. 

No call back from the management team at all.

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 2023-07-13 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: FL

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. 

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  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.

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2023-07-13 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: WA

Complaint narrative:
As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.

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 2023-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXXt XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXXXXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX Bank XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hi there. This is my story with Bank of America. I. since I get to in the United States in. XXXX XX/XX/XXXX I opened the account with Bank of America and they are keep charging me fees monthly fees and I might very lower income and I start from 0 from scratch from other country I came here as a refugee and they keep peeing me overdraft me give me fees and last time I get fees from OK Starts from XXXX and. I close my account with Bank of America, I believe. and I remember in XXXX. XXXX or XXXX. XXXX I believe XXXX I closed the account with Bank of America and the reason why I close with them there is too much fees monthly fees over the draft fees and also they charge me one time for for missing understanding check deposit and they charge me XXXX {$5.00} for this and they keep until I. close the account with them and I go with the chess bank with the XXXX XXXX XXXX Bank and. I deserve to compensation for this fees on this time hard time with them from XXXX until XXXX this Bank of America at so much make. headache to me and make me struggling every month which is a my income is solo. Thank you for help me and I wish. you understand what's come from. 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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America has been charging me {$8.00} fees for a Savings Account - Advantage Savings - XXXX. Fees started to appear as of XX/XX/XXXX even though this account has been open since XXXX. 

When this account was opened in XXXX with another Checking account at the same time, I was advised that " as long as there is monthly auto reoccurring transfer from the Checking account to the Savings account, there will be no banking fees added to the Saving 's account. While the monthly auto reoccurring transfer is set up and has been completed every month since XXXX, I was advised today that they made a change to how their fees now work without my consent. This is clearly misleading. 

I have requested a refund for the fees added by Bank of America, as I did not accept their new terms. They claimed they can only refund 2 of the 4 fees made on the account.

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Credit bureau : XXXX XXXX XXXX I noticed some inaccuracies.I previously sent a letter regarding this dispute on XX/XX/2023. 
The Mistakes have not been removed fromy credit report. 
. The below accounts are in fact remain inaccurate and fraudulent should be removed Immediately. 
ThIs account is fraudulently Reported under the following : CALIFORNIA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA CIVIL CODE SECTION 1950.5 ( F ) CALIFORNIA HUD 4350.3 REV-1 ( 7-18 ) US FCRA 1681s ACCOUNT XXXX XXXX XXXX. 
XXXX BALANCE : {$7100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: VA

Complaint narrative:
XXXX XXXX account XXXX has verified as accurate. How is this account accurate if the term duration is in accurate, as well as the open date, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting method of verification according to the Metro 2 Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

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