vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my XXXX  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 XXXX. 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I requested a balance transfer by telephone from my XXXX XXXX  credit card to my Regions Bank credit card in response to an offer that Regions Bank sent me via XXXX mail. A copy of the Regions letter confirming the balance transfer request is included in the attachments. The balance transfer from XXXX XXXX  ( XXXX ) that I requested on that date and the associated balance transfer fee ( XXXX XXXX both initially appeared on my XX/XX/XXXX Regions credit card statement. My XX/XX/XXXX Regions credit card statement has also been included in the attachment. However, as of the date of this complaint, funds in the amount of XXXX have not been received by XXXX XXXX  and my XXXX XXXX  credit card account has not been credited with a payment in the amount of XXXX ( XXXX XXXX  credit card statements covering the period from XX/XX/XXXX to XX/XX/XXXX can be provided to confirm this upon request ). My understanding from XXXX XXXX  conversations with Regions customer service is that a XXXX  was mailed to the correct address and account number at XXXX XXXX in response to my balance transfer request, but XXXX  XXXX  conversations with XXXX XXXX customer service and my XXXX XXXX credit card statements indicate that XXXX XXXX  did not receive that XXXX  and therefore no funds have been disbursed to XXXX XXXX on my behalf. I have also attached XXXX  correspondence between myself and XXXX Regions representatives who tried unsuccessfully to get Regions credit card operations to respond to my requests for information regarding this issue. Since I was unable to get a response from Regions Bank with respect to this problem via their XXXX  customer service representatives and branch management staff, I disputed the charges associated with this balance transfer request in writing in a letter that was sent via XXXX  mail on XX/XX/XXXX ( within XXXX  days of the charges appearing on my credit card statement ). That letter is included in the attachment. The XXXX  mail receipts confirming that Regions received this letter on XX/XX/XXXX have also been attached. As of XX/XX/XXXX, I have not received a XXXX  acknowledgement from Regions confirming that they have received my letter disputing the charges and that they intend to try to resolve the issue.

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 2024-04-05 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: IL

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: HI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They made a mistake on my account, even stating that they did, but never corrected the mistake.they now refuse to answer my questions

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Throughout my use of this account, I've maintained a track record of timely payments, never allowing them to lapse. I'm perplexed by the existence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed I have two late payments posted to my account ( XXXX XXXX XXXX XXXX Account # XXXX ) that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late.Thank you! Please do not disregard the screenshot attached

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2024 EXPERIAN DISPUTE AGAIN XXXX FOR CAR LOAN Good Morning, I am repeating that XXXX was frustrated that I was closing my account and moving to XXXX XXXX. They retaliated by turning off my online access and would not allow me to make the payment in a timely fashion, by not allowing my payment from new credit union. 

It was not only intentional, but I have filed with the XXXX  to complain. 

In XXXX  years of membership, I never EVER even ONCE had a late payment. 

By turning off my online access, I was calling in, using number after number to try to input my payment. 

Their management team would not return my calls. I have original file with XXXX  that I will include. 

AFTER that, they then called me, I told them I could not SEE anything on my payments, so they turned it back on. I was then able to pay immediately. 

In my opinion, they intentionally covered up when the payment was due, as it was on auto pay along with ALL my payments for XXXX  YEARS! 

This filing was from XXXX, I finally got a response after the complaint and then they turned it off AGAIN! 

I am not the only person this has happened to! I would ask that you accept my dispute, as I do NOT have ONE SINGLE other history of late payments. It was for {$130.00}. 

My husband is a XXXX, it was NOT the amount, it was them intentionally making a late payment by hiding my online access.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have submitted a complaint addressing multiple inaccuracies on my credit file see previous complaint # XXXX. TransUnion responded that the information was reported as verified and accurate. Upon pulling a new credit report to check to make sure TransUnion has provided me with a througough investigation I still found multiple inaccuracies reporting to my credit file. please see attachments. TransUnion also did not have under the account that the account was previously disputed which is another violation. In accordance with the FCRA everything must be 100 % accurate on my credit report and under 15. U.S code 168e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate & also in violation of ensuring maximum possible accuracy. If TransUnion investigated the account there is no reason why there should be any inaccurate information reporting this is considered false 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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I purchased a car thru XXXX XXXX XXXX XXXX in XX/XX/2019, I paid the car off, I received my title which I'm attaching w this complaint in XX/XX/2019. They're reporting it as a XXXX  XXXX  or as it isn't paid. XXXX  XXXX mailed me my title in hand in XXXX, then XXXX day I looked and it's showing as if I never paid a XXXX  on it which is incorrect. It has been on my report for XXXX  and nobody will properly investigate it. I have reached out to each bureau and their constantly updating my report with incorrect information which is a FCRA violation. I WANT THIS REMOVED AND FIX before I sue.

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 2024-04-05 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: IL

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-04-05 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:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-04-05 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries I did not do

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was in XXXX XXXX XXXX purchasing souvenirs to take home for family to the USA. Souvenirs were inexpensive items like 2 XXXX tshirts, 1 snow globe, 1 souvenir shot glass, 2 XXXX  coffee, 2 bag of teas. I was told by the merchant XXXX XXXX XXXX XXXX that the total was XXXX XXXX  which seemed fair. The merchant took my credit card to complete the charge, to my horror, I checked my chase credit card app and he instead charged me XXXXXXXX XXXX instead of XXXXXXXX XXXX! I told him that was not right, unfair and was a scam! I did not take the items even though the merchant insisted on me taking them. He promised to return my money but never did - although I already know that he never will as he operates a dishonest business of scamming tourists. I filed a dispute with chase and even called them, they said they will wait 15 days for merchant to send me my money back before they try to contact the merchant and seemed apathetic to my concerns during the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: HI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have this collection that keeps appearing on my account every 6 months or so about XXXX. I have never owned a XXXX connection. I have no idea of how it got opened and I believe it to be identity fraud or a mistake from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I purchased a car thru XXXX XXXX XXXX XXXX in XX/XX/year>, I paid the car off, I received my title which I'm attaching w this complaint in XX/XX/year>. They're reporting it as a charge off or as it isn't paid. XXXX XXXX mailed me my title in hand in XXXX, then XXXX day I looked and it's showing as if I never paid a XXXX on it which is incorrect. It has been on my report for XXXX  and nobody will properly investigate it. I have reached out to each bureau and their constantly updating my report with incorrect information which is a FCRA violation. I WANT THIS REMOVED AND FIX before I sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I purchased a car thru XXXX XXXX XXXX XXXX in XX/XX/2019, I paid the car off, I received my title which I'm attaching w this complaint in XX/XX/2019. They're reporting it as a XXXX XXXX or as it isn't paid. XXXX XXXXXXXX mailed me my title in hand in XXXX, then XXXX day I looked and it's showing as if I never paid a XXXX on it which is incorrect. It has been on my report for XXXX and nobody will properly investigate it. I have reached out to each bureau and their constantly updating my report with incorrect information which is a FCRA violation. I WANT THIS REMOVED AND FIX before I sue.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion continues to report XXXX payment as late when it was never late or reported late. I have provided Transunion XXXX items of proof that this payment was paid on time and reported as current even a letter from the creditor. Transunion refused to remove the late payment or update the late payment as current. This needs to be corrected 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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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