vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This is in reference to a bankruptcy that is reported on my credit report. 
XX/XX/23 - Sent letter advising that this account is not accurate, and to please remove from my report. Never received a response. 
XX/XX/23 - Sent a second letter letting them know that this is still showing negatively and inaccurately on my report and requesting for it to be removed. Still no response. 
XX/XX/23 - Sent a third letter advising that this is still on my report in a negative status, that I have never received any response and once again requesting this be removed from my report. Again, no response. 
XX/XX/23 - Sent letter requesting method of verification and if not able to provide this, to remove from my report immediately. Again, no response. 
XX/XX/23 - Sent letter of formal complaint that they are reporting inaccurate and unverifiable information on my report. I was demanding to see their verifiable proof and that if they couldn't provide this - to remove the account immediately from my report. - Once again, no response. 
XX/XX/23 - Sent last letter advising of the numerous times I have requested this account to be verified including the method of verification and the person with whom they verified it with - or to be removed. I let them know that if this was not done, I would be filing an official complaint with the CFPB - and that is what I am doing today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Date of Occurrence : ( appx ) XX/XX/2023 Issue : I rec 'd a Pre-Approval for Victoria 's Secret XXXX, to which I accepted. I was informed I rec 'd a {$350.00} CL. I chatted w/ Comenity customer service ( CSR : XXXX XXXX ) and he informed me that I was approved for the XXXX ; I further asked why it was so low to which he responded " I mean, it should be {$250.00} '', which I thought was rude but okay... Upon arrival of the the card, it was NOT a XXXX but a store card. I reached out to them requesting why I rec 'd a store card, to which they stated that b/c I wanted to switch I need to apply for the XXXX. I responded and informed them that the store card isn't what I agreed to and they responded to the same, take zero responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: WI

Complaint narrative:
On XX/XX/XXXX I submitted a reinvestigation dispute request to Experian about a negative account on my credit report. By the name of XXXX XXXX with the account number shown as being XXXX. And Experian did not do a proper reinvestigation on my behalf. Because the account was not marked a being disputed and the inconsistent information that I did dispute still appears on my credit report. The date last active that is being reported under this account violates and go against Metro 2 Compliance Standards. As you can see by looking at my credit report. Experian has reported XX/XX/XXXX and on my XXXX credit report it shows a date of XX/XX/XXXX. So how can both credit reporting agencies be correct? When all of the information listed on my credit reports suppose to be accurate, complete and verifiable across all three credit reporting agencies.

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 2024-01-04 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: GA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX  XXXX XXXX Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from capital onephone number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX XXXX XXXX Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from XXXX XXXXphone number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Recently my mother was scammed. The scammer sent her a fake email saying they were charging her account. She called the people from the email to settle the dispute and they got access to her computer. While they were claiming to refund her money, they claimed the accidentally deposited XXXX into her account. My mother, did not realize that they transferred the money from my account to hers, as our accounts are linked. The scammers told her she had to return the money and told her the only way to do so was by withdrawing the money and send it back to them. Meanwhile, I had no idea any of this was happening. I took no part in this and I am the ultimate victim. All of my life savings that I worked so hard for have vanished and the bank is no help. While all of this happened the bank did not notify me, flag the account or even ask for any authorization. The security of this bank failed me, and I am heartbroken. This all falls under bank negligence. If I was notified of this transfer I would have been able to stop it. Please help me.

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 2024-01-04 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-04 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: TX

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : XXXX. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 

XXXX Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. 

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

XXXX. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

XXXX. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. 

XXXX. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

XXXX. Correction of Personal Information : I request the correction of personal information to reflect only one name on my report ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ) and no employers. 

XXXX. Deletion of Personal Statement on XXXX, Equifax, XXXX Report : I request the immediate deletion of the personal statement on the XXXX, Equifax, XXXX XXXXnsumer report and the balance of credit scores.

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am using Marcus for high yield savings account. After I transferred $ XXXX from my bank account to Marcus, I recently learnt that my account was locked. Then I tried to call Marcus XXXX or XXXX  times. Each time either they said they cant XXXX time pin me because the phone number they have on file doesnt associate with my name, or they can OTP me, and they try to contact my bank to verify my bank account information, put me on hold for half an hour, then suddenly hung up on me. For the XXXX  case they said they will contact me in XXXX or XXXX business days but no one ever contacted me ever since. 

This is not a proper way to do banking business. Why does Marcus has this and only this outdated method of verifying peoples identities? Shouldnt they provide methods like email verification? Shouldnt my bank information be already verified before Marcus approves my transfer into the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: FL

Complaint narrative:
During the month of XX/XX/2023 received snail mail with a debit card for a checking account that was opened in my name to my old address that I moved from over a year ago, which I never opened. The debit card is for Chime.com / chime app with a routing and checking account number provided for me to make a deposit. Consider myself fortunate that the USPS actually forwarded this mail piece. I proceeded to calling Chime to the phone listed on their website. After providing minimal info about the account numbers and placed on hold, the chime rep came back in less than a minute and stated that the accounts have been cancelled and not active.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their failure to address and rectify unauthorized inquiries on my credit report. I have attempted to resolve this issue directly with Experian to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows : 1. On XX/XX/2023, I first contacted Experian in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/2023, I reached out to Experian again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Experian, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Regrettably, Experian has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Experian addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with Experian, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and assistance.

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 2024-01-04 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:
Two credit reporting agencies are reporting incorrect information on my credit report. They are reporting a Bankruptcy that is not mine. I sent them what I found on file under my name, but it is not my bankruptcy. The address on the Bankruptcy petition is not my address and I sent them the petition. I asked them to validate the information they have and sent my identification and notarized each letter.

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 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE ACCOUNT ENDING XXXX HAS BEEN PAID BUT IT IS STILL ON MY CREDIT REPORT AND HURTING MY CREDIT REPORT. PREVIOUSLY I HAVE SUBMITTED MY COMPLAINT OF BEING A VICTIM OF IDENTITY THEFT. BUT YOU HAVE DECLINED MY REQUEST. NOW ITS BEEN PAID OFF I REQUEST TO DELETE THE ACCOUNT FROM MY CREDIT REPORT DUE TO IDENTITY THEFT. THE INFORMATION YOU ARE REPORTING ARE INCORRECT.

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 2024-01-04 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: CA

Complaint narrative:
on XX/XX/2024 I pulled my credit report showing several inconsistancies on my consumer credit report. I have no outstanding Debts in the state of Ca. Please delete all inaccuracies which are affecting my validity as a consumer.

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 2024-01-04 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: CA

Complaint narrative:
on XX/XX/2024 I pulled my credit report showing several inconsistancies on my consumer credit report. I have no outstanding Debts in the state of Ca. Please delete all inaccuracies which are affecting my validity as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
Recently I decided that I would keep a closer eye on my credit. When I first looked I was freaked out to find that there were some MAJOR errors on my report. My rights and privacy are being violated and it is causing a major riff in my life ; I have been unable to focus at work, because this is dominating my thoughts day in and day out and I need help

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
Global CU rebranded from Alaska USA to Global CU last year. 
They changed my account from an account which was free ( Alaska Relationship Checking, free due to my mortgage with the company ), to an account which costs {$5.00} per month ( Latitude checking ). I am not sure exactly when this happened and was not warned in advance. 
I was able to change my account back to a free account but Global CU refused to refund the fees I was already charged. 

Timeline : XXXX uncertain exactly when - Account type changed to a paid account XXXX XXXX Charged {$5.00} without warning XXXX  - Charged {$5.00} again XXXX XXXX Charged {$5.00} again XXXX  - Phoned up and changed account back to a free account, refund refused

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please correct and update this as soon as possible.

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