vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: PA

Complaint narrative:
I was pre-approved through XXXX and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: PA

Complaint narrative:
I was pre-approved through Experian and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off 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 2023-05-03 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: FL

Complaint narrative:
I am filing this report due to a critical concern regarding my FICO score. On XX/XX/XXXX my FICO score had an 11 point drop from XXXX to XXXX. This drop occurred within a 24 hour span, which was a shock to me. As a diligent consumer I checked my credit report and contacted TransUnion regarding this drop but neither had any reasoning for the drop nor was there any negative reporting. Additionally, there was no activity that would cause such a drop. 

On XX/XX/XXXX, my credit score at the three credit agencies was above XXXX with the score at TransUnion specifically at XXXX, since XX/XX/XXXX. On XX/XX/XXXX my score dropped 11 points. There was no negative information on my credit report. No late payments, no delinquencies, no inquiries, no collections, nothing out of the ordinary. I called both TransUnion and FICO. Customer service representatives at both organizations could not find out why the scores had dropped. They informed me that there was no evidence of delinquency, bankruptcy, foreclosures, or any of the factors that would consequently garner such a significant drop. 
My credit report says I have Accounts with Balances, Consumer finance accounts, and Seeking Credit. These statements are all inaccurate. I have a 1 % usage indicated on my credit report. My accounts have not changed, so I do not have any consumer finance accounts. I am not seeking credit, as indicative of my lack of hard pulls on my credit report. As I mentioned before, nothing had changed in the way I used my credit, and no negative information was reported. When I inquired to both the TransUnion and FICO customer service representatives regarding the negative remark, they were unfamiliar with this remark and could not find more information on why it was present in my report. The representatives were not able to find anything that warranted a score decrease on my report. 

I urge you to consider the seriousness of this matter. Over a 24-year span of building my immaculate credit, this significant drop can be catastrophic and can be a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.

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 2023-05-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The credit bureaus stated that my accounts were properly investigated but there are still several inaccuracies such as open dates are inaccurate, date last reported is inaccurate and date last active is inaccurate. 

This is grounds for removal but they have also violated my consumer rights under : 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 : 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 2023-05-03 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: DISCOVER BANK
State: NH

Complaint narrative:
I reviewed my credit report and it shows a home equity line of credit, a mortgage and auto loan. The HELOC was XXXX, the auto loan XXXX and the latest Mortgage is XXXX of XXXX. I was told that when my mother died she left a will and some property or assets to me but my living grandmother forged her will. Which once the home was sold in Florida my mother owned, things began showing up on my credit report. The mortgages and loans all occurred while I was unaware of any thing? I would like to get the information and possible rights to what property belongs to me? I have XXXX noticed my living grandmother has bought and sold multiple properties and the information. And addresses on my report all match the properties my grandmother owns lives in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: DISCOVER BANK
State: TX

Complaint narrative:
Information is being reported on my consumer report without my WRITTEN CONSENT. I did not authorize any of these companies to report or obtain information to report on my behalf. Please see attached documentation explaining further my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: GA

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

XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX Account # : XXXX XXXX # XXXX XXXX Account # : XXXX XXXX XXXX  ACCT # XXXX XXXX Account XXXX XXXX XXXX XXXX # Account # XXXX XXXX XXXX # Account # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # Account # : XXXX XXXX XXXX # XXXX XXXX XXXX  # Account # : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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:
In XX/XX/2016, XXXX XXXX reported that I owed a debt of {$200.00} to the credit reporting agencies ; it was reported as a collection. I can not recall whether I owe the debt or not ; I never paid it nor did I dispute it. Early XXXX of this year, I reviewed my annual credit report and realized that the XXXX XXXX collection of {$200.00} was still being reported after 7 years. I submitted a dispute to Experian requesting to have the collection removed since 7 years has expired. Instead of XXXX XXXX agreeing to have it removed, they updated the status of it from collection to charge-off causing the same debt to negatively impact and remain on my credit report for another 7 years.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023, I received 3 emails saying I opened up an account with Bank Of America to apply for a credit card and I do not bank with that bank. When looking at the other emails it says it got denied due to having the wrong information. I called Bank Of America and gave them my SSN and they see that the account was applied for and did tell me that whoever tried making this account will not be receiving any money from my bank 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 2023-05-03 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXXXXXX Balance : {$400.00}

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 2023-05-03 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXXXXXX Balance : {$400.00}

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 2023-05-03 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: RI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX 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 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 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 2023-05-03 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: IA

Complaint narrative:
I have tried to inform them three times of several accounts with wrong information and one account is a double account of the same thing when I only had one account with the creditor

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 2023-05-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
As I looked on my consumer report I noticed some inquires that werent authorized. I have mailed out this letter attached with all the inquires that werent authorized. By 15 U.S.C 1681b ( c ) permissible purpose. Immediately remove these inquires as they have cause damage to my consumer file and has delayed in my family and I to obtain goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: LEXISNEXIS
State: IN

Complaint narrative:
I reported to the company Lexis Nexis and XXXX XXXX to remove my information permanently to opt out of their system using the following link XXXX XXXX XXXX XXXX XXXX  Please see the attached screen shot as proof of my submittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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:
I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 explanation
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; 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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NY

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I transferred money to my Citibank account from my XXXX XXXX account on XX/XX/2023 in the amount of XXXX. I made a few transactions and my account was blocked on XX/XX/2023. I went into the XXXX branch and spoke with the teller, she told me because the XXXX XXXX transaction name was in the name of XXXX XXXX, it was a third party and therefore flagged and my account had been sent to the fraud dept. I proceeded to tell the teller it was not a third party it was just an alias name on the XXXX XXXX. Same if someone had put " dodgerfan ''. It was not another person. I had my XXXX XXXX account on my phone, with my details, my account, my bank linked to the account, as well as my email address, my phone number and current address which is all up to date and concurrent with my state valid driver 's license. They couldn't help me. I got on the phone with Citibank, had the teller speak to the XXXX dept and still there was nothing that could be done. I left with a response of wait 30-60 days and u will receive a letter and a cashers check in the mail. My account then was officially closed XX/XX/2023. I have went to XXXX different branches, I have called the fraud dept, the IRT dept, the security dept over XXXX times now. It has been over 60 days and I still haven't received anything but the run around over and over, with being told my check will b sent out with a letter from the bank. 
I have then been told on multiple occasions my check has already been sent out. The remainder of funds that was in my account and owed to me on the closing statement was {$8000.00}. There was never no fraud and not once did anyone acknowledge my XXXX XXXX account for proof of transfer.

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