vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: LA

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

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 2024-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The company didn't respond. They just updated my credit file with correct dates. This debt is over seven and no activity on it in over seven years. This company did to provide proof of what they are reporting. Cancel check or proof of credit card payment. They have nothing to support what they are reporting. This debt is causing me extreme financial hardship.

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 2024-09-29 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX - Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( XXXX  Progress ) received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX i was notified of a pending payment for {$440.00}. As my account balance was {$0.00} i did not authorize a payment for more than my {$0.00} balance. I was not expecting there to be a payment so I immediately called Bank of America customer service. The agent was not able to help me in any way. I asked for a XXXX call back which never occurred. 

I then contacted Bank of America XXXX office. A Bank of America XXXX XXXX XXXX  ( XXXX XXXX ) eventually said she would expedite the return of my money. She indicated standard returns can take 10 days or more to return my money and that an expedited " return would return my money much quicker. '' When I asked what Bank of America is going to do for overdrawing my account and for keeping me without my money for more than a week, she indicated Bank of America would do nothing. After expressing my dissatisfaction and her not doing anything, i chose to remain silent. Rather than being rude or cursing at her i figured it was more polite to just remain silent. She then proceeded to accuse me of wasting her time.I find this extremely insensitive given the number of hours I have spent on the phone or emailing Bank of America customer service without.Compensation for my time. XXXX XXXX was getting paid by Bank of America. I was getting nothing for the inconvenience and lost interest because of BOA 's actions and now I was being chastised by their XXXX XXXX XXXX for wasting her time. 

I asked XXXX to have her XXXX ( XXXX, XXXX ) called me. Her XXXX said my money would be returned to me soon and to let her know if it was not in my account within a few days. My money has not been returned to my account as of now which has been more than the 10-day standard return and this was supposed to be expedited. 

I left XXXX voicemails with XXXX, and XXXX emails with no reply. 

In short Bank of America took an unauthorized payment from my account when there was {$0.00} due, agreed that their billing system is confusing, has accused me of wasting their time, Had me without my money losing interest, falsely promised and expedited return, and will now no longer return any of my email or phone calls while also previously stating they will not compensate me for all of this. 

. You can listen to all of these recorded phone calls and view my written correspondence.

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 monetary relief
Consumer complaint received 2024-09-29 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: NY

Complaint narrative:
I am writing to request the removal of an invalid XXXX account from my credit report and from XXXX XXXX  records. I opened a XXXX account between XXXX XXXX XXXX, when I was a minor, born on XX/XX/year>. As I was underage at the time, the contract for this account should be considered invalid. 

I have contacted both XXXX and Experian to dispute this issue, but they have not taken action to resolve it. Meanwhile, XXXX and XXXX have already removed this account 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 explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Inquiries To Whom It May Concern, I am writing to formally request the immediate removal of unauthorized inquiries from my credit report, as listed under my Equifax file. These inquiries are damaging my credit score and do not reflect my financial behavior. 

Upon reviewing my credit report, I found several inquiries that I did not authorize. These inquiries are inaccurate and should be removed promptly, as they are violating the Fair Credit Reporting Act 605b and 15 usc 1681. I expect your cooperation in rectifying this matter without delay. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please provide written confirmation that these inquiries have been removed from my credit file. I expect this to be resolved within the statutory timeframe. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payments late yeaXXXX 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 2024-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
BEEN FAXING SINCE XXXX AND BEFORE FOR MODIFICATION, SAID NEED XXXXXXXX XXXX BUT AM XXXX XXXX  ALSO SENT SAID CANT READ AM USING MY PHONE AM A XXXX XXXX SO MAY NO BE CLEAR HAVE MY XXXX  SENDING FOR ME ALSO BUT ALL WAS SENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an offer in the mail from Citibank for 4.75 % promotional interest for 3 months. The instructions were to visit a physical branch open a saving account between XX/XX/year> - XX/XX/year> and deposit the required " New to Citi '' funds within 10 days to receive the promotion. 

I have never had a Citibank product before. 

I visited a local branch on XX/XX/year>, with the flyer in hand and opened a savings account. 

On XX/XX/year>, I transferred {$74000.00} to the recently opened account. 

On XX/XX/year>, I received an interest payment of only {$3.00} which prompted me to call Citibank customer service. The representative stated they needed a code to identify the promotion and I told the representative there was no code, just the flyer with instructions. The representative told me I would have to visit a local branch for help with the promotion. 

Approximately the first week of XX/XX/year> I visited the branch with the flyer and inquired why I'm not getting interest at 4.75 % interest. I was informed the interest comes at the end of the 3-month promotion. 

I returned to the branch XX/XX/year> with the flyer and spoke with the branch manager who submitted a ticket regarding the issue. Unfortunately, I used the flyer to kill a bug on the managers desk. He said I wouldn't need it anymore and I tossed it. Luckily another promotion came in the mail with identical instructions so still have a copy of the criteria. 

I returned to the branch XX/XX/year> and spoke with both the branch manager and the banking employee that opened the account. I walked in and literally said, " Where's my money '' to which the branch manager stated you got it. I shook my head while saying aloud " No, I didn't. '' After checking the computer, they said it was denied because the {$74000.00} I deposited was not " New-to-Citi '' funds. I stated that's not true, and they both agreed. 

The branch manager and banking employee kept tag-teaming the computer and ended up submitting what sounded like two different tickets for the promotional interest issue. 


XX/XX/year> I discovered a letter in my Citibank account regarding this issue. 

The letter is suspect because it contains discrepancies and false information. 

The letter states that I didn't have " New-to-Citi '' funds which is false. 
The 4.75 % promotion required a minimum of {$100000.00} which is false A minimum of 6 months balance to receive the promotion which is false I believe I'm strung along and lied to.

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 2024-09-29 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: IA

Complaint narrative:
Name ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan at 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 and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a collection account opened at XXXX XXXX with the balance of ( {$130.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification XXXX XXXX XXXX XXXX XXXX XXXX  payments late year 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed an inquiry on my credit report for which I did not give consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, inquiries on your credit report must be made with your consent. If you notice an inquiry that you did not authorize, you can dispute it. Heres how it works : Dispute Rights : You have the right to dispute unauthorized inquiries, and the credit reporting agency must investigate your claim.

Section 1681i : If the inquiry is found to be unauthorized, it must be removed from your 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 2024-09-29 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 am a victim of identity theft. Ive had multiple fraud prevention alerts on my credit which I only remove when I need to use my credit. I have made police reports, ftc reports, etc. 
I dont know where or how my personal information was leaked but it has been stressful to regain my life back. I have disputed accounts/ inquiries that I know I didnt make or have no idea where they come from. Ive been having a hard time with XXXX, transunion, and XXXX trying to restore my life Lately Ive sent in disputes for these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2024-09-29 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: GA

Complaint narrative:
I am a victim of identity theft. Ive had multiple fraud prevention alerts on my credit which I only remove when I need to use my credit. I have made police reports, ftc reports, etc. 
I dont know where or how my personal information was leaked but it has been stressful to regain my life back. I have disputed accounts/ inquiries that I know I didnt make or have no idea where they come from. Ive been having a hard time with XXXX, XXXX, and experian trying to restore my life Lately Ive sent in disputes for these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2024-09-29 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: FL

Complaint narrative:
I gained access to my credit report and noticed several items that weren't recognized and personal information was incorrect. These accounts and inquiries were pulled without my permission or consent. I demand a full and thorough investigation on my credit report. This is destroying me financially in my life, I can not get extended any credit due to this crisis on my credit report. PLEASE REMOVE / DELETE these items off my report. 

XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXXXXXX XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXX XXXX Account # XXXX & # XXXX  Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Bal : {$220.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Balance : {$20000.00} XXXX XXXXXXXX XXXX Date XXXX XXXX Account # XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX # XXXX Balance : {$500.00} XXXX XXXX XXXX  : Date : XXXX # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : {$76.00} XXXX XXXX Account # XXXX XXXX balance {$1000.00} XXXX XXXX XXXX # XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX {$1000.00} Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Is A Violation Of : 15 USC 1681N 15 USC 1681 Q, 15 USC 1681 E In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

Company response to consumer: Closed with non-monetary relief