vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SAN DIEGO COUNTY CREDIT UNION
State: GA

Complaint narrative:
Hi, I was on international travel for our honeymoon with a return date of XX/XX/23 and a return flight of XXXX. I was alerted by the hotel upon checkout that my sdccu card declined. I checked my balance to verify that the funds were in my account and they were. The hotel tried numerous times and each time declined. We had to wait until sdccu bank opens on XXXX time zone approximately an hour to speak to a bank representative. I was informed that the bank was experiencing an outage and declining all cards. I enforced the bank rep that I had a flight to catch in 2 hours but am unable to check out with the hotel because my funds are tied up. The sdccu representative was very rude and stated there is nothing that can be done and I would just have to wait. I requested to speak to a manager to which she stated none was available. She took my phone number and said one will call me. Ultimately we missed our flight and had to pay over {$500.00} to rebook. I used my credit card which is for emergencies and did not have a limit to cover the hotel. Also, I had pending automatic transactions to include bills that were declined and returned with retuned payment fees added. We were stuck in another country until we contacted family as we were desperate to get home. Once the sdccu outage was over I discovered several over draft fees in my account due to my deposits being returned during the outage. This is very disheartening. My daughter, husband, and I all bank with sdccu for nearly 20 years. I am requesting all over draft fees as a result of this outage to be refunded. I am also requesting that sdccu take care of the additional flight fees due to missing our flight from not being able to check out of the hotel and a refund of the returned payment fees accrued from my bills attempting to be debted from my account. My deposits were returned and therefore everything either bounced or resulted in over draft fees. My family and I would like to continue to bank with sdccu, however, if this situation is not resolved we will have no choice but to bank elsewhere. Feel free to email me at XXXX or call at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 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: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$420.00} does not correspond to the lower amount that I remember. I request Experian to revise the XXXX XXXX information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask Experian to mark this account as disputed to prevent further negative impact on my credit score. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request Experian to correct/update this inaccurate information on 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 2023-07-12 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-12 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: MA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
After getting no where with my auto insurance company I have decided to seek action with the consumer finance. My auto insurance apparently issued a check payable to me AND the repair shop. The check specifically states the word and. Come to find out the repair shop deposited the check without me knowing and with one signature and the bank ( Chase bank ) deposited the check in the excess amount of {$14000.00}. The bank acknowledged it was fraudulent and not allowable but was not willing to remedy the situation. I need help with this and demand the bank to fix this. The check needed to be endorsed by myself and the shop. I have a copy of the check for needed evidence. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Experian. Unfortunately, despite my initial contact on XX/XX/XXXX, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
Below are the details of the inaccurate information and the required corrections : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} 2. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} 4. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} 5. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} 6. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} 7. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} The above accounts were never late, contrary to the information on my credit report. I kindly request Experian to correct/update this inaccurate information on 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of collection agency accounts by the credit bureaus. Specifically, I have discovered that multiple credit bureaus have reported a collections agency account that does not belong to me. Despite repeated attempts to rectify this issue, the inaccurate information remains on my credit report, which has adversely affected my financial standing and creditworthiness. 

I have diligently reviewed my credit reports from all three major credit bureaus, namely XXXX, Experian, and XXXX, and have identified the presence of a collections account from XXXX XXXX XXXXXXXX. The account in question allegedly pertains to an outstanding debt for which I have never received any notification or been served with a lawsuit. The reporting of this account is a clear violation of the Fair Credit Reporting Act, as it inaccurately represents my credit history. 

I have taken the necessary steps to dispute this error with the credit bureaus involved. I submitted detailed disputes outlining the inaccuracies, providing supporting documents, and emphasizing that I have no association with the collections agency or the alleged debt. However, despite my efforts, the credit bureaus have failed to remove the erroneous account from my credit report, resulting in significant harm to my financial well-being. 

I kindly request your intervention and assistance in resolving this matter promptly. I urge the Consumer Financial Protection Bureau to investigate the credit bureaus ' actions and ensure that they comply with the regulations outlined in the Fair Credit Reporting Act. I believe the credit bureaus have failed to fulfill their obligations to accurately report consumer information, which has had a detrimental impact on my creditworthiness and financial opportunities. 

Enclosed with this letter, you will find copies of my credit reports clearly displaying the inaccurate collections account, as well as the supporting documents that demonstrate my lack of involvement with the collections agency. Additionally, I have attached the correspondence exchanged with the credit bureaus, illustrating my attempts to resolve this matter directly with them. 

Thank you for your attention to this matter. 

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 2023-07-12 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2023-07-12 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX JXXXX 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 2023-07-12 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: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Original Creditor : COLLECTION The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$130.00} The above account was never late, contrary to the information on my credit report. I kindly request TransUnion to correct this inaccurate information on 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 2023-07-12 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: CA

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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX. 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 an 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