vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: HW Holding, Inc
State: OH

Complaint narrative:
XXXX : Dear Sir or Madam/To Whom It May Concern, On XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In XXXX  your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in XXXX ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX XXXX or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called HUNTER WARFIELD ber. Please update XXXX XXXX XXXX XXXXXXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
XXXX : Dear Sir or Madam/To Whom It May Concern, On XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In XXXX  your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in XXXX ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX XXXX or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX XXXXXXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, L # XXXX, has violated my rights 15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I am not liable for this debt with " XXXX XXXX XXXX, XXXX and do no have a contract with " XXXX XXXX XXXX, XXXX  they do no provide me with the original application like I asked

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 2022-12-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  # XXXX, has violated my rights 15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I am not liable for this debt with " XXXX XXXX XXXXXXXX XXXX  and do no have a contract with " XXXX XXXX XXXX, XXXX they do no provide me with the original application like I asked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a XXXX part complaint. The first part is about being denied a small credit increase in spite of having this account for well over a decade. The second is basically a customer service complaint. 

First of all, as mentioned, I have this card a very long time, possibly as long as XXXX years. In the entire time, this bank has never increased my credit limit past {$2700.00}. I find this to be extremely frustrating never mind frankly, humiliating. I have earned what many would consider a pretty handsome salary for the last past XXXX years of my career. Since opening this card I now earn XXXX more! We had tried a few years ago for an increase and was denied and hadn't tried again since the other night. Only XXXX years ago, my credit alone was good enough for me to purchase a {$42000.00} car and I just paid off a personal loan taken out during the Pandemic, yet this bank is refusing to even give me a {$1500.00} increase! Nothing bad has happened with my credit since then. I may not have the highest score but I certainly don't have bad credit by any means. 

this bank is arrogant and strict in many ways from there registering for online services, to their sign in process and especially their ridiculous automatic phone system. Their website is awful to navigate and their phone system is even worse. My wife who is an authorized user on the account just attempted to call in the other night to speak with an agent. She literally was worn out by the time she got someone on the phone and extremely angry. Only the most dogged, persistent individual would be patient enough to navigate through the automatic system to get to an agent. They make this extremely intricate, no doubt to discourage a customer from reaching a live agent. She said she has never seen anything like this and she is very experienced in handling every aspect of our personal finances. She refused to call back again although we needed additional help in making a payment and getting it through promptly. It was extremely difficult to locate the location on their website to request an increase in credit limit and the agent who she did speak with told her she couldn't send instructions to us unless she spoke with me. What? They can't send instructions? Are they kidding me? My wife did locate it, finally, with much difficulty to request the increase I discussed above. Who do they think they are with all this red tape for customers? It is the absolute worst.

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it may concern : Account Number : XXXX XXXX XXXX I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged open account is being reported as an OPEN account by XXXX, but being reported as a CHARGE-OFF according to Experian. A Balance of {$420.00} is being reported along with it being reported as a CHARGE-OFF. The last day active is being reported as XX/XX/XXXX for XXXX, and XX/XX/XXXX for Experian. This account is also being reported as account number : XXXX  with XXXX as being open as well with payment history. This account should have no payment history this year because it is being reported as a charge off. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL METRO2 reporting standards and this account removed upon completion. 

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 explanation
Consumer complaint received 2022-12-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2022 I transferred {$2000.00} from my Bank of America checking account to my wife 's XXXX checking account by way of XXXX through our banks. We were not aware at the time that my wife 's XXXX bank account had been closed due to an overdraft. Later that day, when my wife went to go use the debit card and check her online account, she discovered the account was inactive. She contacted XXXX and they said that the money transferred should be sent back to my Bank of America acct. within 10 business days, since the XXXX bank acct was closed. We filed a claim on XX/XX/XXXX with Bank of America, to reassure that the money would be returned. We contacted XXXX bank on XXXX XXXX, XXXX  to see if they had received the money and if they knew where it went. They responded that they did not receive the money transfer. We then contacted Bank of America and they said they were waiting for someone from XXXX to respond to their attempt to communicate. Bank of America said that if we mailed them proof of the XXXX bank acct being closed, that would assist in the claim process. XXXX mailed me the letter and we emailed the letter to XXXX around XXXX XXXX XXXX  We waited and heard nothing back, we then called Bank of America on XXXX XXXX, XXXX and they suggested we email the letter again. We did email them the letter again. On XXXX XXXX, XXXX, Bank of America mailed us a letter stating that they could not approve our 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 explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

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 2022-12-22 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: NV

Complaint narrative:
this is unbelievalbe who runs their credit 3 times for the same company? remove this now. this is not my inquiry No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. 
Lock your Experian credit file to help prevent identity theft. 

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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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
During the past week I had visited my local bank. Upon checking my credit report. I had come to realization that my ( Discover ) card had been closed, increasing my credit usage to a 980 %. I had not received an email or letter in regards to this, and I have not missed any payments on my card. Thus, I contacted ( Discover ) to find out why this had happened, and if I could have the issue resolved. I was told by costumer service that an email and mail was sent, both of which I had not received, as well as I was called once, and a voicemail was left, which I have never heard of a banking enterprise only calling a customer once. The personals stated that a verification was needed for my account without any reason. I was made aware that my card could not be reopened, and there is nothing that can be done. I found this to be very unprofessional and unjust as I now have to bear with the after effects in my day to day life, wile, remaining consistent in my payments. To this day I have not received a acceptable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

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