vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have hard inquiries on my credit report that I didn't authorize, I have filed a FTC report as of XXXX XXXX The inquiries are XXXX XXXX XXXX XXXX XXXX AMEX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have hard inquiries on my credit report that I didn't authorize, I have filed a FTC report as of XXXX XXXX The inquiries are XXXX XXXX Bank Of AmericaXXXX 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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
The bank responded to my previous inquiry but didn't resolve the problem and made confusing statements. It's not clear if the bank knows that I'm asserting that these charges are the result of fraud and were made without my knowledge. The bank says that they did research and found more charges than I originally noticed. That brought the claim from {$2500.00} to {$6400.00}. In the bank 's response, they state that an error was made and a claim update was sent in XXXX after my claim was denied. That makes it sound like no one is paying attention so there may have been an error which resulted in my claim being denied. Furthermore, after reviewing the evidence submitted by the merchant there's nothing that proves I authorized the charges. They mention a phone call but who did they speak to? There is no signed receipt or contract, photograph, or audio recording. It looks like an authentic bill but it's for charges that I didn't authorize. None of this makes sense.

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 2024-05-10 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:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX XXXX, 2024 my husband and I were victims of XXXX. A Navy Federal Credit Union " impersonator '' spoke with me regarding " XXXX XXXX '' on my account. They told me someone in XXXX tried to take out a loan in the amount of {$4900.00}. I told this person that was not me so they canceled my debit card and started working on stopping that transfer. I stayed on the phone with this person for over an hour, I did NOT give out any of my personal information to this person. They verified information with me but again, i did not give them any information. They provided the information and I simply answered yes. This person added themselves as a member to our online banking account then transferred {$4900.00} out of our account. I immediately called NFCU to report this as XXXX On the phone, the representative for NFCU told me this person XXXX my personal email, found all of my log in information there then signed in to our account. She told me my funds would be credited back to our account within XXXX days. Within XXXX days, our money was returned and we thought things were fine. Now, XXXX months later, NFCU has decided it wasn't XXXX and took that {$4900.00} back from our account. Ultimately this overdrafted our account and we had to use half of our savings to get our checking account back to XXXX. NFCU took our overdraft protection to pay themselves back after taking those funds back. We never received an email, letter in the mail or message through their secured portal regarding this denial. When my husband called, we were told our paper claim was denied. We didn't file a paper claim. I decided I would file an appeal that was also denied. I requested information regarding the XXXX investigation and all I have received is step by step instructions on how to view our monthly statements. I was told I couldn't have other documenation due to company policy and " personal '' information. None of this makes sense. We did not give this person permission to add themselves to our account and NFCU never flagged this activity at all. My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He is currently XXXX in the XXXX XXXX so as you can imagine, this is not an easy sitation to deal with. Please help us get our funds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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 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 XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TX

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 XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2024-05-10 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:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-10 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: OH

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 2024-05-10 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: TX

Complaint narrative:
XXXX is being unreasonable. I was issued a new XXXX XXXX credit card through XXXX XXXX. I signed up and entered my banking information believing I was enrolled in the auto pay program like I do on most accounts. I never received a statement from XXXX so was unaware that they had not enabled auto pay and therefore my account was tagged as late/delinquent. 

XXXX web site is confusing and misleading. Instead of calling the service auto pay like every other company, their program is called XXXX XXXX. What is XXXX XXXX - I mean no one else in the US calls it XXXX XXXX. Well it turns out they did not activate XXXX XXXX for my account and so they have reported my account to the credit bureaus. As soon as I realized what was going on I paid the account in full immediately. 

XXXX eventually refunded the late fees and interest but they will not take down the harmful information from the credit bureaus.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report 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
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of XXXX XXXX. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 

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 2024-05-10 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: GA

Complaint narrative:
I would like to dispute off the following items on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$300.00} XXXX XXXXXXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX XXXX : Bankruptcy XXXX XXXX-discharged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$300.00} XXXX XXXXXXXXXXXX XXXX Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account XXXX : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX bankruptcy discharged Case Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$300.00}. 
XXXX XXXX XXXX Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00}

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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
CREDIT REPORT FILE GENERATED ONXX/XX/2024 REPORT # XXXX.THE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: KS

Complaint narrative:
XX/XX/year> Payment Reversal {$7500.00} {$120.00} {$0.00} {$7600.00} XX/XX/year> Payment - {$7500.00} - {$120.00} {$0.00} - {$7600.00} XX/XX/year> Payment Reversal {$71.00} {$89.00} {$0.00} {$160.00} XX/XX/year> Payment - {$71.00} - {$89.00} {$0.00} - {$160.00} XX/XX/year> Capitalized Interest {$32.00} - {$32.00} {$0.00} {$0.00} XX/XX/year> Payment Reversal {$100.00} {$68.00} {$0.00} {$170.00} XX/XX/year> Payment - {$100.00} - {$68.00} {$0.00} - {$170.00} XX/XX/year> Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/year> Payment Reversal {$28.00} {$71.00} {$0.00} {$100.00} XX/XX/year> Payment - {$28.00} - {$71.00} {$0.00} - {$100.00} XX/XX/year> Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} I have been paying my loans on time and I have not realized that my payments were being reversed until I have tried paying for all of them! In the meantime, the company Edfinancials has been charging me interest as if I have not paid any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I paid off my capital one quick silver credit card before the due date, it was in a pending transaction for three days after my bill was due causing a late payment and decreasing my transunions score by a negative XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT XXXX XXXX ARE REPORTING ON MY XXXX, XXXX & TRANSUNION CONSUMER REPORTS XXXX XXXX XXXX STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH XXXX XXXX BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. XXXX XXXX CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY XXXX XXXX ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO METRO COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, XXXX, AND TRANSUNION CONSUMER REPORTS IMMEDIATELY. SINCERELY, 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 2024-05-10 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: GA

Complaint narrative:
THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT XXXX XXXX ARE REPORTING ON MY XXXX, EQUIFAX & XXXX CONSUMER REPORTS XXXX XXXX XXXX STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH XXXX XXXX BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. XXXX XXXX CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY 3 CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY LEXIS NEXIS ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO METRO COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, EQUIFAX, AND XXXX XXXX REPORTS IMMEDIATELY. SINCERELY, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief