vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: IN

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WAFD BANK
State: WA

Complaint narrative:
I previously sent this information to the FDIC on XXXX, and intended to supplement it with email documentation of the aforementioned 10 minute phone call in which I expressly told her ( XXXX XXXX ) the choices for my new CDs that were to be funded from the maturing CDs. 
I also have my notes of that phone call of XX/XX/year>, and I can make a photocopy of them and provide them to investigators. The interest rates she quoted were several, and I selected the 7 month period at 4.26 % ( 4.35 % APY ). 
There was no means to add this supplemental information to the original FDIC complaint other than by USPS mail. 

The next day after I filed the complaint with the FDIC I got an email informing me they transferred the complaint to the FFEIC, so the next day I went to call the FFEIC to ask where to send this supplemental information, but found that they had transferred the complaint to the CFPB, and the CFPB has already submitted the complaint to the Washington Federal Bank. 

I called the CFPB and spoke with XXXX, who couldn't confirm that I can add supplemental information to the original complaint that was sent to the bank. 

Therefore I'm submitting this separate complaint to the CFPB so it can be used in conjunction with the original complaint numbered XXXX. 

I reviewed the CFPB complaint that was sent to Washington XXXX. It states or implies that I did NOT contact the company ( Washington Federal ) concerning this matter. I most certainly did contact them on XX/XX/XXXX, in person with XXXX, and demanded full restoration of the interest that is owed. I also made additional contacts until it became clear the only fair resolution could be through a government agency that has authority over Washington Federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In a brazen violation of UDAAP, which Goldman Sachs believes theyre exempt from complying with that law because they think they can just bribe the right people in the government, Goldman Sachs offered prominently an option to cancel a scheduled - but not processed - payment - with XXXX explanation this was really Goldman Sachs conspiracy to then use this as a hollow excuse to never then again honor payments from those of the wrong race and religion. Cancelling a scheduled payment- when advertised to be able to do so by the bank - is in no way delinquent conduct. However, illiterate and incompetent Goldman Sachs employees then have the audacity to then allege that it is and that my check can actually bounce after two weeks ( Goldman Sachs truly needs to give their employees a literacy test )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: DC

Complaint narrative:
I submitted this complaint to update these suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$850.00}

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 2024-02-02 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: CO

Complaint narrative:
I asked Transunion to verify the account numbers listed on my credit report. They did not verify the information. 
XXXX however, researched my complaint and verified the account numbers were incorrect and deleted the account numbers and all associated information. 

We can not have 3 credit reporting agencies reporting differing and inaccurate account information.

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 2024-02-02 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: DC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02 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: DC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonded Business Services, Ltd.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have never had and dealing with bonded business services or XXXX XXXX XXXX that Bonded represents.

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 2024-02-02 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: IL

Complaint narrative:
Subject : Urgent Complaint : Violation of Credit Reporting and VIP Journey Membership Terms I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have encountered with XXXX XXXX XXXX XXXX specifically as a VIP Journey member paying {$99.00} per month. 

Despite being promised expedited credit reporting to TransUnion, XXXX, and XXXX, it has been nearly 90 days, and my tradeline is still not reporting to XXXX and XXXX. I have reached out to your company via email on multiple occasions, but the matter remains unresolved. 

Furthermore, the tradeline reported to TransUnion does not accurately reflect the promised {$30000.00} credit limit for VIP Journey members, as stated on XXXX 's website. I deliberately increased my bills to {$30000.00} in anticipation of this reporting. However, the credit limit reported to TransUnion is " No Info, '' which contradicts the commitment made as part of my VIP Journey membership. 

This discrepancy not only misrepresents my creditworthiness but also violates my consumer rights and the Fair Credit Reporting Act ( FCRA ). I have brought this matter to your attention via email, yet the issue persists, and my attempts to resolve it have been unsuccessful. 

To exacerbate the situation, I recently filed a dispute with TransUnion regarding the inaccurate credit limit information. Shockingly, TransUnion informed me that XXXX XXXX confirmed the accuracy of the information, which is patently false and adds another layer of concern regarding compliance with the FCRA. 

This situation is not only frustrating but also damaging to my credit profile, and I believe it is imperative that XXXX XXXX addresses these issues promptly. I am left with no choice but to consider this a serious violation of my rights as a consumer. 

I request immediate action to rectify the following : Prompt reporting of my tradeline to XXXX and XXXX, as promised. 

Accurate reporting of the {$30000.00} credit limit to TransUnion. 

Resolution of the dispute with TransUnion to reflect the accurate information. 

I trust that XXXX XXXX takes this matter seriously and swiftly rectifies these issues to uphold the standards promised to its valued customers. Failure to do so XXXX compel me to explore further avenues to address these violations.

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 2024-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted opening accounts with Discover Bank, I was made aware that my application was declined because my Social Security Number ( SSN ) matches with one of their customers who has taken a loan at Discover bank and as a result I'm UNABLE to open an account with the bank. The same suspect who used my SSN at other financial institutions I reported in XXXX, is still using my SSN at Discover Bank. I've called and spoken with multiple staff at Discover Bank. On XX/XX/XXXX, I called again and spoke to staff after staff, my call was being transferred from one staff to another. I eventually ended up with XXXX from Discover Bank fraud department, while I was yet on the phone with XXXX, the phone hung up. Immediately, I attempted calling Discover back, requesting to be reconnected to XXXX, but the staff transferred me again to a different department and I ended up with another staff named XXXX who unfortunately will not listen to my complaints not until I asked the one question " XXXX, so you're not going to help me as a victim of identity theft? '' In response, she asked for my SSN which I provided, and immediately, she switched gears. She apologized for being very matter-of-fact. To all the Discover Bank staff I spoke to, I informed them that the SSN belongs to me and provided all information needed for verification purposes, I confirmed and verified my Discover Credit card which I've had for a while. I also requested for them to do due diligence in investigating and that I was ready to provide any form of documentation to help with investigation. XXXX promised to either give me a call, or have one of Discover managers give me a call on XX/XX/XXXX. Up until today XX/XX/XXXX, I've not received any call from XXXX nor any of Discover Bank managers. In addition, I created a Federal Trade Commission Identity Theft report, and sent my FTC statement ( attached ), FTC drafted letter ( attached ) dated XX/XX/XXXX with copies of my SOCIAL SECURITY CARD AND MY DRIVER 'S LICENSE on XX/XX/XXXX to Discover Bank DISPUTING THE FRAUDULENT ACCOUNT and requesting that ALL ACCOUNTS opened using my SSN be CLOSED. It's been 20 days and yet no response from Discover Bank. I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. Furthermore, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid the balance in full via the Bank Of America pay by phone system to Bank of America. To my shock and dismay I received a bill charging me a {$28.00} " late pay '' bill. When I called to question and resolve the error I was treated like a " debtor '' instead of a paying customer who had paid their balance in full. I spoke to numerous so called " account managers '', who repeatedly said they would like to assist me but the only way they could waive the erroneous fee was to pay it and then to call the day after XXXX XXXX day as it was the holiday weekend that this all took place, and then they would reverse the payment and restore the {$28.00} to my bank account on file. This went on for three days as I called and was told to call back, was provided false phone numbers that just rang and no one answered. Finally, I was transferred to a " collections manager '' who told me the same thing, pay the fee and call back after XX/XX/XXXX and the person I spoke to would see her notes and return the fee to my bank. I was skeptical but also exhausted over this ordeal that I did pay it with her over the phone and it went through my bank the following day. On XX/XX/XXXX I did call but the number she provided me was fake. I finally did call the main number was transferred to another manager who said she saw the notes but refused to return my funds. I contacted my bank and they advised this was a violation under UDAAP and due to the fact that I was given false and deceptive and abusive treatment by Bank of America and it's agents or representatives and they reversed the payment to Bank of America. Now Bank of America is trying to bill me for that " late fee '' multiple times over even though I paid my balance in full on time and I have proof of all payments made since their automated assistant sent me the proof in the mail

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I asked XXXX to report 1 address and 1 name and 1 phone number and 1 birthday 5 times, 5 times Ive asked for this and they update things incorrect to still keep old info linked to debts which shouldnt appear in the first place in order to keep my credit score low this is corruption, fraud, misinformation, deception, FCRA VIOLATIONS and 100 some days now, this is causing me serious harm. 

Serious Harm : means harm, whether physical or non-physical, economic, or reputational, to an individual, which would compel reasonable individual of the same background and in the same circumstances to perform or continue to perform labor or services or XXXX activity to avoid incurring the harm :

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I asked XXXX to report

1 address and 1 name and 1 phone number and 1 birthday 5 times, 5 times Ive asked for this and they update things incorrect to still keep old info linked to debts which shouldnt appear in the first place in order to keep my credit score low this is corruption, fraud, misinformation, deception, FCRA VIOLATIONS and 100 some days now, this is causing me serious harm. Serious Harm : means harm, whether physical or non-physical, economic, or
reputational, to an individual, which would compel reasonable individual of the same background and in the same circumstances to perform or continue to perform labor or services or XXXX activity to avoid incurring the harm :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear Comenity Capital/XXXX Customer Service, I trust this message finds you well. I am writing to address a pressing concern regarding my Comenity Capital/IdealImage account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications. 

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust Comenity Capital/XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation