vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are accounts reporting on my Credit Report which are unknown to me, upon further research, I found that these accounts are fraudulent. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$4600.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Credit Report ( attached ) is not generated with my correct name.

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 2022-07-22 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: MO

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: MO

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXX Remove late payments XX/XX/XXXX & XX/XX/XXXX. XXXX Account # 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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXX XXXX payments since 2015 do not show anymore on my latest report ( attached - see page 5 ). These payments were all listed complete in the XXXX Report ( attached - see page 5 ). Note that other bank cards are showing all payments correctly.

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 2022-07-22 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: MO

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IA XXXX REMOVAL OF LATE PAYMENTS OR DELETE THE ACCOUNT

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My HSBC US XXXX payments since 2015 do not show anymore on my latest report ( attached - see page 5 ). These payments were all listed complete in the XXXX Report ( attached - see page 5 ). Note that other bank cards are showing all payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 starting on mid afternoon i received a text message from Bank of America about the suspicious activity on my debit card, then the problem persists until i get a phone call from XXXX ( bank of america ) and this person " was trying to help me out '' ( scammer ) and oriented me to go online and make this all transaction, this person stolen the amount of {$3400.00} from my checking account, goes to XXXX, then he was saying over the phone that this money will be available sooner because duo the investigation the money would be deposit in a new account, that what i say i do not want any other new account with bank of america.

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 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank closed my checking account in retaliation for filing complaints with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They continue to lower my score over XXXX singular issue which is still in dispute. They have dropped my score from 800+ to XXXX  over false information. The account was closed and settled. XXXX refuses to provide me with a valid way to contact them. The phone numbers provided do not lead to anyone and I have already spent hours trying to fix this. The charges were incorrect to begin with.

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
received A credit card in the mail., I thought it was an offer so I dis regarded it. Then I received an invoice with a charge on it and like ummmm nope not me. I am trying to get out of debt, not incur more debt. When I called to discuss this XXXX, and follow the correct promts, no matter what time of day I have called, the recording always states that the olffice is closed and to try to call again later. I have also emailed them and have still not received a response the website is XXXX XXXX XXXX  I had to create an account in order to send them an email and this is what I wrote From : You Sent : Tuesday, XX/XX/2022, XXXX AM ( XXXX  ) To : Comenity Bank XXXX XXXX Fraud Message ID : XXXX I did not apply for this account and I have not made any purchases. Please contact me to discuss this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have reached out to Discover more than 10 times, both by phone with representatives and in writing to request an adjustment to a recorded late payment in XX/XX/2021. Clearly I do understand they can not, by the Fair Credit Reporting Act, remove this one and only delinquency, but they are not obligated by law to report it. Im not asking it be removed from their records, only that it be adjusted with the credit bureaus, as this late is the only late and occurred while I was with XXXX and seriously XXXX. As a result of this reporting, Im unable to qualify for homeownership and as it affects my credit so steeply it prevents me from even attaining adequate XXXX In this economic climate I do not feel it is a totally unreasonable to request and a certain level of compassion to be considered as most large companies have made strides to have some empathy for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I lost my wallet and ID. The next day I noticed a number of large transactions ( XXXX ) on my XXXX Chase XXXX card ending in XXXX. I immediately reported the situation to my credit card company. They opened an investigation then things went sideways. They denied my claim and I asked why they didn't provide any real reason. They then asked me two months later to file a police report. XXXX Chas XXXX requested my credit information and the replacement request of another card. I immediately provided both pieces of information. I informed XXXX Chase XXXX that they asked me early on if I filed a police report and I said no, but was happy to do so if they needed me to. I am happy to do so now, but what I find odd is that I can not get any information from the credit card company to give to the police that may aide them or something that explains as to why now this request is needed. Also, I asked what the merchant has provided and XXXX Chase XXXX said nothing to date. I found that to be even more strange. So large transactions without merchant repsonse is now the obligation of the card holder. Doesn't seem right. Please feel free to contact me at XXXX for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have noticed a few accounts on my credit report I do not recognize

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 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have noticed a few accounts on my credit report I do not recognize

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 2022-07-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have noticed a few accounts on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
I originally made a complaint about this in XXXX. The CFPB received a response from Aspire that was riddled with lies, but instead of pursing the claim, the facts, and addressing the issue, the CFPB just closed the case. I'm going to keep opening this until the CFPB does what it is obligated todo : investigate and take action against predatory companies. 

On XX/XX/2022 I received a physical document from Aspire credit card stating that I had been pre approved for a credit card and directing me to accept the card by completing a document on www.aspirecreditcard.com. Upon completion it did a hard inquiry of my credit report with XXXX which resulted in my credit score dropping from XXXX to XXXX ( according to XXXX ). The website generated a message stating that it would not grant the credit card, and autogenerated an email stating that my credit score had changed since the offer was sent and they would not honor the guaranteed, preapproved credit card. Now, I'm stuck with a hard inquiry on my credit report which has an actual monetary consequence to me. Various interest rates are dictated by my credit score so a XXXX point drop in my credit score may cost me XXXX  of dollars in the next two years ( the time it takes the hard inquiry to drop from credit report ), and Aspire has just lied to me and caused monetary damage to me. Further, they provide no mechanism for addressing the issue. The phone number listed on the document and their website leads to an automated call answering system with only a set of recorded responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted TRANSNION by phone on 3 occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022 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 2022-07-22 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank/BJs has placed a hard inquiry on my XXXX credit report on XX/XX/22. 

I did not apply for any credit on this date, and have had an account in good standing with this company for many years. 

I called Comenity Bank, and they referred me to XXXX. I called XXXX, and they referred me back to Comenity Bank. Neither entity was willing to assist me. 

This hard inquiry has dropped my credit score by XXXX points, and is very damaging to me. 

I would like this inquiry removed, as it should never have been initiated in the first place. 

Comenity also needs to update my current balance with all 3 reports, which they have not done since XX/XX/22, so they are showing a balance due that has already been paid to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
In XXXX of 2006, myself and my spouse were approached by XXXX XXXX to consolidate our student loans together to lower our monthly payment. These loans have been since sold to XXXX and now NelNet. In the master promissory note, it states that if we are unable to get on an income based repayment plan, that we can have our loan type changed to be able to access such a plan. This is clearly stated in the MPN. I have been denied several times now access to any IBR, and also denied turning my loan into Direct for the sake of moving to an income based repayment plan. This is a direct violation of my master promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CA

Complaint narrative:
Ive been trying to have this issue settled several times, and this has not been handled properly, I will be forced to sue if my request is not listened to. This company reported that this information was provide by XXXX XXXX and was verified. Per my attachment, that is not possible due to my consumer profile being frozen. This is a direct violation of my rights! 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXXXXXX XXXX XXXX as is reported as having a bankruptcy on my credit report : XXXX BANKRUPTCY XXXX- XXXX I am demanding that this account be Deleted. 

You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer 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