vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-03-23 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: TX

Complaint narrative:
i have sent letters serveral times to dispute that the bankruptcy court does not report to credit agency

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 3 account and inquiries I did not authorize

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 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC
State: LA

Complaint narrative:
Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XX/XX/XXXX, the {$220.00} account balance to MCNEIL & MYERS remains on my XXXX credit report. 

Why is this account still listed on my XXXX credit report, in opposition to the claims made by MCNEIL & MYERS 4 months ago? 

This false account must be removed immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2023, I received a call from Bank of America that someone was trying to use XXXX to request a large amount. They then sent a 5 digit code like they normally do. They then sent text message and they told me to reply yes to the message in order for this to be a reversal payment so any money would not be take out of my account. We'll {$3100.00} was taken put of my account. I called BOA back anthey stated that it was a scam and that it was not them that called. They said that the money went to a XXXX XXXX  account and that they would contact XXXXXXXX XXXX. I received an email today stating that the claim was denied and that it was my fault, in so many words. If Bank of America 's number would have never came up and they wouldn't have sent the code, I would have never believed that it was BOA. I feel like the bak has a responsibility to better protect it's clients. I have been scammed and would like some help in the process of getting my money back. Thank you. XXXX XXXX XXXX. I have included screenscots of the text messages and call from the scammer. ( 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 monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Forced- closed my business banking account, because of a dull check a client gave my company. We had no control over this matter and my account was marked as fraudulent ; moving forward no one from Bank of America reached out to me to solve this issue no we continue to have issues with BoA. 

They without notice closed my accounts ; due to this my other title transactions were not able to process through. I since then have been behind on my bills and expenses because of this. I do not appreciate how my business has been flagged as fraudulent if this is something we did not know about.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a deposit to my personal checking account in the amount of {$6000.00} from XXXX XXXX XXXX XXXX, Bank of America placed my funds on hold and I was told by a Bank of America representative the funds will be available on XX/XX/. The funds were not available on the XXXX, I called them on the XXXX and was then told it will be available on the XXXX of XXXX, the funds are still not available as of today XX/XX/XXXX, I called them again and wad told by another representative that the funds will be available on the XXXX, I wad not happy to hear that. I was then transferred to a manager who told me that the funds are on hold and he doesn't know when it will be available. Now that's 3 different representative with 3 different answers. I have my mortgage to pay and if I don't pay it I will incur late fees

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 2023-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SG and Associates
State: NY

Complaint narrative:
Person keeps leaving me voicemails on my phone from a credit card company or some kind of supposed credit place that comes up as fraud when you XXXX XXXXhe phone number XXXX. They also contacted family members and Im not quite sure how they got their numbers. This is harassment and I want it stopped! I do not owe anyone money it is 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 explanation
Consumer complaint received 2023-03-23 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: Synovus Bank
State: GA

Complaint narrative:
First Progress/1stProgress XXXX Two Accounts : {$200.00} Hello, I have called them multiple times, requesting that the fraud accounts be taken off of my credit. It appears that the accounts are closed but they are still showing negative payments on my credit profile and impacting my score significantly, and I am trying to purchase a home for my family. I have called them multiple times and they have confirm that after their investigation, the accounts were opened as a result of identity theft and fraud. They're confirmed they would contact the creditors directly to get this resolved. 

Can you please investigate immediately and get this company credit charges off of my credit? Please see the attach letter from them confirming the account would be taken off my credit as negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX, Experian, XXXX, and XXXX have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX. If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXXXXXX XXXX ACCOUNT ON ALL THREE CONSUMER REPORTS.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Trust Financial LLC
State: ID

Complaint narrative:
I have been working with the team at Trust Financial on a debt that I owe. They have been good to work with. I still dispute the debt with the original creditor, which has nothing to do with Trust, but know it should be reported to the credit bureaus based on what they have. However, when I saw the debt on my credit report it is being reported by a XXXX XXXX XXXX XXXX. I have never heard of XXXX XXXX before this and have never been contacted by them. I tried to find information on XXXXXXXX XXXX within the state of Idaho and when I did I found documents that show that XXXX XXXX has been dissolved as a company by the state. I did further research and see that the principal names on the documents also own other agencies in the state of Idaho, including a law office as they are lawyers. I tried to call XXXX XXXX and the number was not for XXXXXXXX XXXX, but a number of other collection companies. I spoke with an agent from Trust Financial, and they said that they " bought '' XXXX XXXX. When I asked then why it is XXXX XXXX as the owner of the debt and that I saw it as fraud, the person I was speaking to told me they would hang up on me if I continued. I asked how a company that no longer exists can report to credit bureaus and the agent hung up on me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
The accounts listed below are inaccurate and incomplete. The presence of these accounts on my credit report is damaging and must be removed. I respectfully ask that this accounts be investigated and removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NJ

Complaint narrative:
Experain has provided false information in regards to my name and address. 
On the credit report for years I have tried to reach out to the company once denied by creditors. 

Experain has never fixed the problem of the name on my accounts. 
Which include the four different names listed on four different occasions which made creditors deny me personal credit and business opportunities. 

This account needs to be properly addressed. Monetary relief is requested and also is needed at this time. The inaccurate details, have had a great magnitude over my life and included increased rental fee 's based on the creditor not being able to verify my credit identity. 

There are also, three different addresses listed on the credit report.

Which total to seven inaccurate details listed on the report. Though experian has informed me recently that they have attempted to correct the error. 

The financial damages an impact are left unaddressed. I am seeking XXXX dollars in monetary. Though I have counted 7 errors. There needs to be some sort of restitution. 
The credit company 's should take accountability for their actions. 

Also, I have a good track record with paying child support on time. 
This child support was taken at XXXX dollars a month directly out of my wages with XXXX XXXX. Which a fair credit report should indicate a fair or Good credit score. 

However, You are still lacking to report it as a good reflection of debt an timely consistent payments. I have attempted to purchase a home and pay low monthly rates toward a mortgage instead of increased monthly rent above the fair market value. 

Please prepare to take the proper measurements and administer relief. 
I thank you all in advance.

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 2023-03-23 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: TX

Complaint narrative:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-03-23 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: TX

Complaint narrative:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, TransUnion, and XXXX have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXXXXXX XXXX ACCOUNT ON ALL THREE CONSUMER REPORTS.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX, and Equifax have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX. If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXX XXXX  ACCOUNT ON ALL THREE CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Incorrect inquires on TransUnion credit report. Customer service would not help and take care of the negative inquiries reporting to your credit report. 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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UPGRADE, INC.
State: PA

Complaint narrative:
The bank refused to review my documents. 
I have everything and provided to the bank. 
I ask to review and open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase on Walmart website for XXXX product sometimes in XX/XX/2023 after I got the product and refund the next day in XXXX. I filed the disputed around XX/XX/2023 and got email from Walmart and XXXX for refund since XX/XX/2023. 

I got the charged post back to my account in XX/XX/2023. I reached to XXXX XXXX Walmart. They have already told me that they have refunded the payment to credit card company. I need Paypal to refund and issue the refund.

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