vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get all XXXX credit agencies to remove both bankruptcies from agencies as they are inaccurately reporting. name is incorrect, dates are incorrect, person al details are all incorrect. I further contacted the Courts and they advised that they do not report to any agency. I contacted XXXX XXXX and they have refused update there information to reflect correct information by the court system. please assist me with getting these two bankruptcy reporting removed, or properly reported per the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2024 I got a notification as I called to check my balance on my current bank account at US Bank. That is there's ahold and then due to not telling me why? But they decided to close my account and in my relationship. I have even though I'm using my account. As normal behavior as paying bills and sending money to rent. They don't feel like I'm A. They continue their relationship with me, which I've been banking with them for over XXXX  years. And I'm not getting the lack of transparency of why when I'm trying to recover and start a new life here in struggling XXXX By myself paying rent working XXXX XXXX and making ends meet and they decide to close my account. And now I'm going to be forced on the street because I can't pay rent through their bill pay system and their XXXX  system because they put ahold on my account in keeping my money and even. When I went to the branch. They can't do anything about it. I have to call the XXXX XXXX XXXX which they told me go back into the branch. So I'm not getting the transparency and the communication from this bank. And I'm very upset and I would like to proceed to move forward on. How can we get this resolved

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX ( TrueAccord ) XXXX XXXX, 2024, XXXX XXXX XXXX XXXX XXXX Thank you for your email. We are TrueAccord, a third party collections agency. We're collecting on an outstanding balance of {$720.00}, originally owed to XXXX XXXX XXXX for a CREDIT CARD. This Balance Has Been Purchased by XXXX XXXX XXXX and came to our office on XX/XX/2024 I told them via email that i never had owned this credit card, nobody from XXXX ever contacted me, therefore i will not pay this debt. I called the number they provided during business hour ; nobody answered. 

this debt was never on my credit reports from all XXXX companies, i have a score of nearly XXXX on XXXX 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed XXXX disputes in XXXX and XX/XX/year> regarding XXXX XXXX inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX XXXX was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX XXXX was discharged but they were never involved. They opted to close the 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early warning services has entered a bank account Account # : XXXX From XXXX 

This is not my account i have never opened in this account Or lived at the address entered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened a Bank of America XXXX XXXX credit card on XX/XX/year>. I added the card to my online account and set up paperless statements but I am unable to make payments online due to what appears to be a Bank of America IT error. I contacted support twice, once via live chat and once via phone. The support associates said my issue would be resolved within XXXX days on both occasions but as of XX/XX/year> I am still unable to make payments online. The second time I called in the support associated refused to transfer me to an appropriate team that could resolve the issue claiming there was no escalation process for 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 2024-04-23 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: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB CARD SERVICES Made a hard inquiry on XX/XX/year>. This was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Newman, Hesse & Associates, P. A.
State: CA

Complaint narrative:
Company is trying to collect 10x the amount owed on a 30 year old debt that I know nothing about. When I got a letter threatening to garnish my wages, I thought it was fraud because I have not shopped at the store it was for in more than 30 years. Then, they garnished my wages without any other attempt to contact me or prove that I owe such a debt. This is very embarrassing trying to explain it to my employer and I feel harassed byt this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA
State: PA

Complaint narrative:
I noticed that on XX/XX/2023 I had an inquiry from XXXX XXXX, I also have inquiries from Yamaha as well that I did not Inquire, also a open XXXX acct that I was contacted by debt collectors for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including name, address, contact number, confidentiality, accuracy, etc. I the Original Creditor confirm that all negative accounts showing within my consumer report are inaccurate and need to be removed immediately as I have never missed a payment and I do not owe any corporation anything.

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 2024-04-23 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: GA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including name, address, contact number, confidentiality, accuracy, etc. I the Original Creditor confirm that all negative accounts showing within my consumer report are inaccurate and need to be removed immediately as I have never missed a payment and I do not owe any corporation anything.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TN

Complaint narrative:
The original creditor was XXXX XXXX XXXX There was a theft of monies that were paid to the XXXX XXXX XXXX The money was submitted by a federally funded source that assists low-income individuals with their rent payment. The check was correctly sent to XXXX XXXX and the check was later discovered to have been posted to an undisclosed " personal '' account. I spoke with the banking institution who advised that the leasing company was the only party who could investigate the theft if they chose. When I reported the theft of payment to XXXX XXXX, they stated that they would not look into it and they would evict me if I did not pay them again. They refused to investigate the theft of the money when I presented evidence during court proceedings. XXXX XXXX XXXX then decided to dismiss their claim against me. All costs & fees were to be paid by the XXXX " XXXX XXXX XXXX XXXX 
Following the court proceeding XXXX XXXX XXXX  issued me an invoice that was double the amount of what they stated I owed in court and demanded that if I did not pay in XXXX months that the account would be given to a collection agency and they would damage my credit rating. 
I.Q. Data International has taken over ownership of the account in question and have been damaging my credit for several months. The company is even added interest to the account on frequent basis. 
The cost associated with this issue have been dismissed through the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/year>, we received three US Bank VISA Focus cards in the mail. 
The letter with the cards included an account number and routing number. 
There was no name on the card and the name on the letter was Site Supervisor. 
I called the number on the card, XXXX XXXX ( I verified on-line this was the US Bank Focus card phone number ) and spoke with a representative. I told her what had happened and asked had Us Bank sent these to us as part of a marketing campaign and could we just dispose the cards. She refused to answer without me providing the card number on the front of the card. I refused to give her that number because I didn't want to open an account with them and was afraid that by giving her the account number and her logging it into their software system that it would activate the account. What I would like to know is are these cards for marketing purposes and can be disposed of or have actual bank accounts been opened tied to our business address.

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 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I filed a dispute after letting my friend use my spare phone. I was still logged into everything and she spent money that I did not give permission to spend. I filed a dispute once the charges settled. Cashapp then closed my account for violating the terms of service and/or acceptable use agreement. Would not tell me specifically what I did that was a violation.

Company response to consumer: Closed with explanation