vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXX XXXX XXXX XXXX, In XXXX *Please delete the following addresses you are reporting that does not match nor belong to me : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Ga XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ga XXXX *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

Sincerely, 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXX XXXX XXXX XXXX, In XXXX *Please delete the following addresses you are reporting that does not match nor belong to me : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Ga XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ga XXXX *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the successor trustee to the XXXX XXXX XXXX XXXX XXXX ( certificate of trust attached ). My late aunt had XXXX accounts with Bank of America, XXXX checking and XXXX savings ( attch XXXX ). Both accounts are labeled as owned by the trust. But the bank says that only the checking account is owned by the trust ; the other is personal to my late aunt. They refuse to release the funds unless I go through probate, which will cost the trust around {$10000.00}. I can't believe that my aunt would have directed the bank to change the title on the savings account but not change the ownership. Clearly Bank of America made the mistake, and now refuses to correct it. 
The bank also made me create a new checking account with a new tax id. It was supposed to be free, but now they are charging the account {$25.00} per month because there isn't enough money in it. The money is in the savings account which they refuse to close and transfer to the new 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 monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
The ending balance should have been {$55.00} instead of the current bal ending XX/XX/XXXX as XXXX additional credits appeared before the ending of the statement. When I tried to contact him about it I was put on all and hung up on more than XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried XXXX times to complete a credit freeze with TransUnion after I was notified by XXXX of my credit card companies that my SSN was found on the dark web following the massive data breach. I attempted this XXXX  over the phone, as advertised on their website, on XX/XX/year>, after successfully completing credit freezes with XXXX and XXXX over the phone. After entering my zip code, the auto-generated response asked for it again, then glitched and said it could not complete my request, ending the phone call. I tried again on XX/XX/year>, and again the same thing happened. I tried to use the website which I was hesitant to do since I do not have a computer currently and need to use my phone. Again, after creating a login ( providing my contact information and address ) the website informed me it could not complete my request.I am currently abroad and do not have access to the documents needed to freeze my credit via mail. I successfully froze my credit with the other XXXX companies, but less than XXXX hours later, I received XXXX spam calls in XXXX hours, which is extremely unusual ( typically XXXX per week ). While this could be a coincidence, I am worried that these companies are not securing my data effectively and that by attempting to protect my identity I have unwittingly made myself more vulnerable to identity fraud.

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 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint # XXXX to American Express XXXX I was having trouble using their gift card. So, XXXX XXXX of the Customer Advocate Services Team agreed to deactivate my gift card and issue me a check for the card 's balance ( {$6.00} ). 

Unfortunately, the check arrived on XX/XX/XXXX, and the check was to the order of " XXXX XXXX. '' My name is XXXX XXXX and the letter I received from XXXX XXXX used my correct name. But the name on the check was XXXX XXXX and the bank declined to cash the check. 

Therefore, I am seeking {$6.00} in check issued to " XXXX XXXX '' so I can actually redeem it. I am tired of having to chase down American Express for their own inadequacies and if this check is not issued in a way that I am able to redeem it at the bank, I will have to elevate this complaint to the next level. I am extremely disappointed with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. XXXX XXXX  is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I commenced a Title Loan contract with AUTO MONEY NORTH , LLC located in XXXX, SC. I missed a payment in XXXX whereas, the company, AUTO MONEY NORTH , LLC sent correspondence on XX/XX/year> stating, 'You are late in making your payment ( s ). If you pay the Past Due Amount of {$250.00}, by the Last Day for Payment, you may continue with the contract as though you were not late '. 
AUTO MONEY NORTH , LLC received a {$260.00} payment from me on XX/XX/year> ; unfortunately, on XX/XX/year>, I noticed the removal of my vehicle from my residency soon as I stepped outside to get ready for work. I reached out to AUTO MONEY NORTH , LLC via telephone on the day my vehicle was unlawfully repossessed to seek clarification. I asked the Representative to clarify reasons on the repossession of my property then, I am told, I was seventeen ( 17 ) days late with payment. 
This situation has me baffled due to the fact of the correspondence I received from AUTO MONEY NORTH , LLC on XX/XX/year>, stating, 'You may continue with the contract as thought you were not late '. 
In Accordance with South Carolina Codes, Sec. 37-5-111 and Uniform Commercial Codes ; by law, the consumer has twenty ( 20 ) days following notice of the right to cure a payment default. I have documentation that proves AUTO MONEY NORTH , LLC violated the agreed-upon terms and conditions of a binding contract, whereas, the adverse action that were exercised against me violated Consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a XXXX XXXX that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Omega RMS, LLC
State: KY

Complaint narrative:
XXXX placed an account for collection with Omega RMS collection agency. I have never done any business with XXXX, have never been a customer, have never signed up for a trial or subscription. I do not know how they got my information or why they believe I owe them {$4000.00}. 

Not only is this showing up on my credit report, they also call daily to XXXX  me. I have disputed the charge with XXXX- and the information was " verified as accurate '' despite me never signing up for their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was listed as part of the XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX. It was recommended to login to experian and put a freeze on my credit requests. I tried logging in and didn't have a valid login. I then tried to create an account, and it fails to let me login. 

When trying to login with email address and the newly setup password, login fails. States to call customer support at XXXX. I call the number, it picks up, and then hangs up about XXXX seconds later. 

I've been trying since Friday ( XXXX ) to login to freeze my credit request and it's not working. I'm concerned someone will open new credit accounts in my name.

Company response to consumer: Closed with explanation