vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : 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 2023-06-26 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: GA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : 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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2023 my checking and savings accounts were closed by Bank of America without explanation. I was informed of this after discovering I was unable to access my online banking portal, and called customer service to discuss how to access my account. 

At the time of the closure of my two accounts I had two banking disputes with Bank of America : First, on XX/XX/2023, I authorized my wife to make a cash deposit into my checking account at a local Bank of America. She used their ATM. The cash amount to be deposited was {$3700.00}. In the process of depositing the cash, the ATM screen froze, an error message appeared, and the machine dispersed {$630.00} only. The ATM went back to the home screen. Since then, there was no indication that the remaining {$3100.00} was deposited into my account. My wife and I called the bank and initiated a formal dispute for the missing funds. On XX/XX/XXXX I received a message that our dispute/claim was denied with no explanation. 

Second, on XX/XX/2023, I received a message informing me that there was suspicious activity on my account. There were three charges from an online betting website out of XXXX, NY. A company I'd never heard of. I confirmed these were unauthorized transactions. Two of the transactions were denied, and never charged to my account. The third was charged to my account - a {$150.00} charge. This disputed charge was still taken from my checking account when the bank closed my accounts. 

I called Bank of America several times to discuss these issues, where I spent long periods of time on hold, being set from one department to another, without any substantive discussion of the issues/disputes. Finally, when I was informed that my account would closed, the representative simply read a route message indicating that I agreed that Bank of America can close my account without explanation, and they have decided to do so. 

It is extremely clear that I am powerless on my own in this situation, and need help. I was a Bank of America customer for over ten years prior to these incidents without any issue. That they cancelled my account after these issues came up, is deeply disconcerting. I am now left with no means to access my funds nor pay my recurring bills.

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 2023-06-26 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 called the credit reporting agencies letting them know the inquiries and the documents included below are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report 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 non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the author of this complaint and I checked my credit report this morning and saw some fraudulent, inaccurate and incomplete information on my credit report. I'm asking the credit bureaus to conduct a reasonable investigation and DELETE the following accounts and update late payments to fully paid on time. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : AT T ) Late Payments ; 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : 1. XXXX XXXX XXXXAccount number XXXX 2. XXXX XXXXAccount number XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
My federal student loans have been transferred several times amongst 3 creditors. AES XXXX, Dept of Edu, DEP ED XXXX. Each They currently reside with XXXX. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MN

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. 

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is throwing out my dispute paperwork, and refusing to remove negative items from my credit report also the company is giving me a hard time with investigating negative items.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, OH XXXX Subject : Request to Unfreeze Credit Report Dear Innovis Consumer Assistance, I hope this letter finds you well. I am writing to request the unfreezing of my credit report with Innovis. I had previously placed a freeze on my credit report for security reasons, but I now wish to lift the freeze to allow access to my credit information. 

Please find below the necessary details to process my request : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX Previous Address ( if applicable ) : same as above Contact Phone Number : ( XXXX ) XXXX Email Address : XXXX I kindly request that you lift the freeze on my credit report with immediate effect to grant access to my credit information. I understand that this request is subject to the appropriate verification process to ensure the security of my personal information. 

If any further documentation or identification is required to complete this request, please inform me promptly. I am prepared to provide any additional information necessary to facilitate the unfreezing of my credit report. 

I would like to take this opportunity to remind you of the importance of protecting consumers ' personal information and complying with the provisions set forth by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I appreciate your dedication to safeguarding my credit information and ensuring the integrity of the credit reporting process. 

I kindly request written confirmation of the successful unfreezing of my credit report once the process has been completed. This confirmation can be sent to the address mentioned above or via email to the provided email address. 

Thank you for your prompt attention to this matter. I trust that you will handle my request efficiently and with the utmost professionalism. Should you have any questions or require any further information, please do not hesitate to contact me. 

I look forward to a swift resolution and the unfreezing of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Ok i got a brand new debit card from robinhood. No one has the credentials of the said card and somehow someway I am being charged XXXX charges XXXX charges. Without anyone having the credentials of this new card. Brand spanking new card i recieved on friday the prior week. Look i been going through a lot with these federal entities and if they are going as far as using my identity for malice purposes such as ruining my funds with these bogus purchases i would like to know. Theres a lot id like to know on top of that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: NY

Complaint narrative:
Problem North American Recovery is reporting I still have a debt. The amount is {$220.00} North American Recovery is the debt agency that is dealing with XXXX XXXX  debt. 

On XX/XX/XXXX I entered into a agreement with XXXX XXXX XXXX XXXX XXXX XXXX who was working on the behave of XXXX XXXX  to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. 
For the last 18 month, XXXX XXXX  and North American Recovery report are still report out to all 3 credit company that it is not paid and I will owe the money. 

On Mon, XX/XX/XXXX at XXXX XXXX  I sent North American Recovery the below documents and they still have not done anything about and is still report that it is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: IN

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

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 2023-06-26 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: FL

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Credit File has Illegal Credit Information on My Current Credit File XXXX XXXX XXXX XXXX is Now a New Financial Name and Entity XXXX XXXX XXXX XXXX NC The Experian Credit File has Illegal Information on Former XXXX XXXX XXXX XXXX XXXX ( Expunge Fraud Information Immediatley ) Experian Credit File is Required to Terminate Multiple Criminal Visa Accounts Immediatley! 
Double Indemnity by Identity Theft in XXXX XXXX XXXX XXXX  North Carolina Contact Fraud Resolution Specialist Enterprise/ XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX to Require the XXXX XXXX XXXX to Terminate ALL Illegal XXXX Accounts Immediatley XXXX XXXX XXXX XXXX Due Process of Law

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 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Called UsAutoSales/Westlake XXXX XXXX because my vehicle needs repairs that is covered under my warranty. 
{$3500.00} Warranty amount included in my financing. Company said my warranty contract was void, and is refusing to deduct warranty amount from price or repair my vehicle

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to update you on my ongoing situation with a credit agency. Despite my numerous attempts to rectify the errors by certified US postal mail, I have only received a generic stall letter. The credibility of my correspondence has been questioned and the agency has indicated that further verification is required when I clearly provide three forms of identification. My unfortunate discovery is that this agency may be resorting to unlawful tactics to delay the resolution of my debt claim. I understand that the debt collection industry is notorious for using predatory tactics to exert pressure on people to pay debts that they are not obligated to pay, and I believe that this is what is happening to me as well. 

Despite my attempts to communicate with the data furnisher, they have failed to provide any substantial evidence to support their claim. This led me to request that the credit reporting agency launch an investigation into the matter to ascertain the validity of the debt being reported. 

It is my belief that the agency is employing stall tactics to avoid investigating my dispute. The two generic email I received outlined frivolous reasons why my investigation would not be looked into.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights of privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer report agency can not furnish an account without my written instruction

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update all of my correct information because I'm not able to see my Credit report with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation