vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: NY

Complaint narrative:
This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed 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 2023-10-25 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-10-25 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-10-25 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-10-25 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-25 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: NY

Complaint narrative:
This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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:
This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed 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 2023-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday XX/XX/2023, at XXXXXXXX XXXX I attempted to deposit {$250.00} dollars in cash into an XXXX XXXX XXXX XXXX ATM for my Bank of America savings account on campus at XXXX XXXX. The machine read a technical error, and would not return the money I had inserted into it. The money has not been entered into my account. Instead, I was given a small paper receipt that declares the technical issue, along with the amount of money I attempted to deposit, but did not receive back. 
I proceeded to call XXXX, Bank of America, and the XXXX financial office, all not no avail. XXXX has told me that they are in the process of filing a claim, while my provider, Bank of America has done nothing.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I lost access to my online Experian. I tried to log into the website ( and not the app ) but I cant. I tried to reset my password, it says that I am blocked. 
I had a problem with fraud last week and unauthorized transactions on my account. The bank closed my account. 
I tried to open another one and it is denied because they can not pull my credit report on Experian. 
I have no clue how I will do without a bank account. My credit score was last seen XXXX. I never missed a payment. I do not understand what is happening and I can not get anybody on the phone. 
It is absolutely impossible to contact anyone at Experian. It is crazy. If I am the victim of identity theft I could not even solve the problem. 
I tried to request my free report through the mail and it said that my informations are incorrect and I am not recognized. 
But these informations are my informations I do not know what is going on.

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 2023-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Betterment LLC
State: CA

Complaint narrative:
I tried creating an account with Betterment but their automated systems had some sort of failure and required some additional steps to be taken by me. I did not want to go through the manual steps with them so I asked them to delete my information from their systems as per the rights granted to me by California Consumer Privacy Act ( CCPA ) as a CA resident. 

They claimed that they will retain my information because of Gramm Leach Bliley Act because I had a financial account with them. Their own website did not list any accounts in the portal so I wanted to get my account number. But they refused to share it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has reported an very old account that keeps appearing on my credit report XXXX XXXX XXXX XXXX in the amount of {$120.00} this company has failed in the past to verify this account and has been removed from my credit report multiple times.

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 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I thought I was talking to a high school Class mate on XXXX XXXX. She was offering XXXX trading. So I invested some money to try to make alittle money. XXXX XXXX. Come to find out her XXXX was hacked and these people are scammers. I transfered sums of XXXX and then XXXX  and XXXX  because I was told I had to be invested XXXX to withdrawal. Now I have been trying to withdrawal and its the run around. They want me to pay to withdrawal my money. I contacted my bank and they put the transactions into a process where they will give me my money back due to authorized push payment policy. Which is taking forever.

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 2023-10-25 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: MO

Complaint narrative:
They stole 16 months worth of on time never late payments and refuse to give them back there own website supports my facts

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CL Holdings LLC
State: TN

Complaint narrative:
Since the XXXX account popped up on my credit ive been trying to dispute it. That was not my debt nor did i ever use their services. They've now sold it to a collection agency and i want it gone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Flied A Lawsuit Against Me Once I Moved To A New Address Due To Life Circumstances. The Summons Was Sent XX/XX/2023 Regarding A Card with XXXX XXXX XXXX XXXX. I Honestly Don't Know Of Any Debt With Them And Never Recieved Coorespondence Before I Moved. I Also Never Recieved Proof Of Ownership Of The Debt.They Filed The Lawsuit With Superior Court Of New Jersey Law Division ( Civil Glassboro ). They Have Sued Me In The Pass In My Twenties For An Very Old Debt And Had My Pay Docked .They Are Known For Filling Up Court Rooms With Residences Of XXXX XXXX XXXX XXXX And XXXX  XXXX Who Don't Know Their Rights And Getting Money From Ppl Who Don't Have It. I Even Answered The Summoms XX/XX/2023 To Require Proof And They Just Answered Back With Interrogation Documentation. I'm A Single Mom Now Going To Court To Defend Herself Because I Can't Afford Legal Representation Because Of These Preditory Tatics And It's Really Troubling For Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Every month the bank is deducting a {$4.00} fee on account that my social security direct deposit is deposited to. This supposed to be a free account of monthly fee because of the direct deposit.

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
on XX/XX/2023, i went into my local Chase Branch ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) after applying online for a checking account ( I finally applied after receiving nurmerous emails for an offer for {$300.00} in checking and {$200.00} in saving ). After applying online I was told in an email, to arrive to my local branch for identity verification. When i arrived to the local branch, i brought my identification and my coupon offer, and met with XXXX ( Banker ) who assisted me with opening my account! XXXX reassured me, that i would receive my offer! The account opening process went ( for what i thought was smooth ) and i left chase bank with a smile as a new customer! 

Well a few weeks passed and i noticed something was off, so i called the customer service line, only to be told that my local branch only applied the saving account bonus portion of the coupon! Well, i knew that couldnt be true because before i left, XXXX went over the terms and agreement and showed me where my coupon was applied! and I not only opened up a checking account but i was told from XXXX that i must open up a savings account as well to get both of the offers, so i proceeded to go back and forth with the customer support agent, untill I was transferred over to a supervisor who told me, that my local branch manager was the one who can fix the mistake! 

I immediately went to the local branch the next morning, a teller assisted me, because the branch manager was on lunch and she also reassured me that it was a mistake on there part, and she wrote down my information and the coupon code and told me she would pass that information over. After not hearing anything, i called the customer service support line again, to see if the coupon had been applied correctly and was met with a rude customer support agent that pretty much told me that it was my problem and im out of luck! So i then called my local branch again only to be told to " email the branch manager the coupon '' and she would get back to me! Well i did, and i still havent heard anything back! Im assuming chase has no plans to hold there side of the bargain, i felt like i was baited and switched!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: GA

Complaint narrative:
I have paid off 2 more credit cards and have lower debt ratio with Experian. My scores were up to XXXX now they dropped to XXXX dropping XXXX pts, with less debt and regular payments. This continues to prove that Experian is helping their Vendor companies and hurting consumers who are trying to pay off debt. 
This is what changed below, all positive but they dropped my scores???? 





Credit report changes Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HELP The percentage of your accounts always paid on time has increased by 1 % Your percentage of accounts with no delinquencies increased, meaning either a delinquency aged off your report, or you opened a new account that has perfect payment history. 


Payment history makes up 35 % of your score. 


COULD HELP Your credit utilization decreased by 3 % COULD HELP Your total balance on all accounts decreased COULD HELP The balance of 2 accounts decreased

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 2023-10-25 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights under the Fair Credit Reporting Act.

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