vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several medical collections from XXXX XXXXXXXX XXXX on my Experian report. I have paid off all of these collections with XXXX XXXXXXXX XXXX. Experian is refusing to remove them for whatever reason or update the balances, I tried to dispute the item several times stating that they were paid but no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: CT

Complaint narrative:
On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CT

Complaint narrative:
On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXXXXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
XXXX XXXX XXXX incorrect balance, incorrect date opened ,incorrect last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have 3 fraudulent credit inquiries on my report. 

XXXX XXXX  bank XXXX Td auto finance XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: KS

Complaint narrative:
1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXXCFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: KS

Complaint narrative:
1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXX-CFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Someone opened account using my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: AZ

Complaint narrative:
Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with XXXX XXXX, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the 2nd time transunion has violated my account. 

The first time they gave me a year free of XXXX. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXX XXXX XXXX  MST

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have an account on my credit that has been open for over 3 years now, I tried to dispute it, but all it did was extend the amount of time it will be on my credit. It should have fallen off at XX/XX/XXXX and now will stay on my credit til XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: AL

Complaint narrative:
I noticed a hard inquiry pop up on my credit from XXXX XXXX XXXX in XXXX, XXXX. ND. I called the bank to resolve and customer service was requesting for my credit card number or social security number. This is fraudulent as I have not applied for ANYTHING from this bank or anything related to this bank. 

The address of their location is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX The phone number of their location is ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The problem is with Equifax and I have tried to contact them for almost two years to correct information and unfortunately I have no success with this company. Recently, on XX/XX/XXXX, they asked me for documents, letters and ect. to verify my identity I sent them again for two previous years sending them to try to solve this problem and even having the documents they requested letters and the. correct information speaking with the correct representatives with supervisors they still tell me that I have to wait and keep waiting to update my information and to have access to my credit information something that seems impossible to me and with a lot of disrespect they simply tell you you have to wait. How much time should I wait to see my information? My credit report is my right. Something is being violated. Please, I need help. I need to use my credit. This is affecting my life and my chances of growing and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX & XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX & XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The company offers XXXX interest financing for certain purchases based on the amount of the purchase. The length of the promotional balance depends on the amount. I had XXXX separate purchases charged on the account ; 1 purchase has a XXXX interest promotional balance for 6 months and the other for 24 months. 

The monthly payments I have been making were being applied to both balances instead of paying down the promotional balance that was set to expire first. I have another store credit card and that is how they apply their payments. I feel that applying a large percentage of my payments to the balance that's not set to expire until 2024 is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
incorrect high balance ,incorrect date less activity, incorrect date reported,incorrect date opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
[ 1 ] XX/XX/XXXX Borrowed $ XXXX 6.56 % to buy used car at XXXX XXXX XXXX thru TRUIST BANK. 
[ 2 ] XX/XX/XXXX I went to pay down loan by {$12000.00} at the TRUIST BANK of XXXX  SC which they refused to accept as the had no offical loan account had been established [ 3 ] XX/XX/XXXX TRUIST called to communicate that by or before XX/XX/XXXX loan documents would be processed and an account would be established to accept payments/prepayments officially [ 4 ] XX/XX/XXXX {$12000.00} partial payment made [ {$12000.00} + {$100.00} adtional ] Submitted written request to review payoff amount reflect XX/XX/XXXX event & {$12000.00} partial payoff onXXXX [ 5 ] XX/XX/XXXX I called TRUIST loan department to request review of correcting retroactively reducing loan balance by {$12000.00} and the related per diems, as well as the addtional {$100.00} payment of {$100.00} and again the per diems. TRUIST refused to adjust the per diems [ 6 ] XX/XX/XXXX I have a loan commitment for $ XXXX 3.39 % and can not close without resolving the PROPER/ACCURATE/PRECISE determination of the payoff

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: FL

Complaint narrative:
Please investigate and delete the following accounts that do not belong to me : 1. XXXX XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized wire transfer was debited from my checking account. The thieves also attempted to make a second unauthorized wire transfer. My husband was the victim of a SIM swapping scheme : his phone and email were disabled. He went to a bank branch minutes after the unauthorized transfer. The bank was able to stop the second pending wire transfer. The bank froze the account and opened a new account. We provided timely notice to the bank by reported the unauthorized transfer on the same day. The bank took action by voiding the second transfer, freezing the account, and opening a new account. The bank did not, however, attempt to recall the unauthorized funds until XXXX, XXXX, when my husband went in person to the branch to inquire about the status of the case. The bank did not open a fraud investigation until then, months after the incident. At that time, the funds were no longer in the bank that had received the transfer. 

The bank has not refunded the unauthorized transfer, as required under the Electronic Fund Transfer Act and Subpart A to Regulation E. The bank claims that this case was a " scam '' in which my husband provided account information to the party who initiated the wire transfer. He does not recall providing his information. However, under 12 CFR 1005.2 ( m ), even if he had provided information to a person who obtained the information through fraud or fraudulently induced him to share account access, the transfer would still be unauthorized and the bank must refund the funds. 

My husband and I have contacted the bank on multiple occasions on the telephone and in person at the branch ( e.g., XX/XX/XXXX call, XX/XX/XXXX in person and by phone, XX/XX/XXXX by phone, XX/XX/XXXX by phone ). We have filed affidavits with the bank. The case remains " under investigation '' Note : the first attachment shows the two unauthorized transfers, one listed as pending. The second attachment shows the account balance after my husband went to the bank and stopped the pending transfer. As stated above, the bank did not attempt to recall the completed transfer until months later.

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 2022-10-04 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: AZ

Complaint narrative:
Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with lending tree, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the XXXX time transunion has violated my account. 

The first time they gave me a year free of mytruidentity. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: AZ

Complaint narrative:
Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with lending tree, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the 2nd time transunion has violated my account. 

The first time they gave me a year free of XXXX. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
A fraudulent account was applied for in my name and an inquiry was submitted to my credit report. The company when called was unable to help and I also did not feel safe giving an individual information due to there being a credit fraud alert on my account. The company is : Alliance Data XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX They would not assist me. I need this credit inquiry taken off my credit report as well as any cards issued closed as I am not responsible for transactions for this as this was fraud.

Company response to consumer: Closed with non-monetary relief