vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my 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 2024-04-26 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX - EX Account Number : XXXX Account Name : XXXX XXXX - EX Account Number : 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 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went into a branch for assistance with two wire transfer on XX/XX/24, was told no one was available to help. But that they could walk me through it on my phone via the app. Its been over a week and the first wire sent for {$63000.00} has never been received. The bank tells me its an issue with the info provided but for security can't tell me what it is? BOA requested the money back and has not received it. Every time I call customer service I'm told something different. Yesterday, on XX/XX/24 after asking to speak with a Supervisor, I was told they requested the correct account number be sent. That XXXX submitted an amendment. Today, XX/XX/24, I'm told the amendment was declined by the other bank. But no one can provide proof for me to send to the seller who is ready to cancel the deal due to the funds not arriving. I've spoken to a bunch of departments and no one can provide documentation to send to the seller. As I type this, I've been on hold for over an hour. This is my 5th call into the bank. I've tried contacting XXXX XXXX who reached out about my last complaint and his extension number does not work ( XXXX Ext. 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 2024-04-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I learned that some of my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account, and I requested that it be closed immediately and all information about this account removed from my credit files. 

The account has three charges dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the order shipping address as XXXX XXXX XXXX XXXX XXXX NJ, XXXX as shared with me per the XXXX XXXX XXXX XXXX. This is not an address associated with me. The XXXX XXXX XXXX has deemed all three charges on this account as fraud and has refunded them to the credit card account. The remaining charges on the account are credit card fees only. 

I have been in communication with XXXX since XXXX. After repeated fraud claims made - unfortunately they continue to state the account is mine and they will not close the account nor remove the credit inquiry, account/ balance, and past due notifications from my credit report. 

Recently I have sought assistance from the Director of the Fraud Department of the Attorney Generals Office in the State of XXXX. He has directed me to submit this claim. 

Find attached the supporting documents to support my claim. Please let me know if you find you need any additional information as you review my complaint. 

XXXX ) Original letter from XXXX indicating their suspicion for fraud when the account was initially opened. 
XXXX ) Initial letter from XXXX stating their decision that the account was legitimate. 
XXXX ) Identity Theft Report # XXXX, Federal Trade Commission ( I submitted after I received direction from the Attorney Generals Office ) 4 ) Police Report # XXXX, XXXX XXXX Police Department XXXX ) New XXXX statement showing all charges refunded ( consistent with the conversation I had with XXXX on XX/XX/XXXX who stated these refunds/ credits were due to the charges being deemed as fraud ) XXXX ) My official letters sent to XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( resent because I was told the original address I had been given to mail to was incorrect and they did not receive the package despite XXXX XXXX of receipt ), and XX/XX/XXXX ( adding the new info from XXXX that they deem the charges fraudulent ) 7 ) Final letter from XXXX XXXX again closing the fraud case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: MD

Complaint narrative:
I am a victim of identity theft. I learned that some of my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account, and I requested that it be closed immediately and all information about this account removed from my credit files. 

The account has three charges dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the order shipping address as XXXX XXXX XXXX XXXX XXXX NJ, XXXX as shared with me per the Wayfair fraud Security Team. This is not an address associated with me. The XXXX XXXX XXXX has deemed all three charges on this account as fraud and has refunded them to the credit card account. The remaining charges on the account are credit card fees only. 

I have been in communication with XXXX since XXXX. After repeated fraud claims made - unfortunately they continue to state the account is mine and they will not close the account nor remove the credit inquiry, account/ balance, and past due notifications from my credit report. 

Recently I have sought assistance from the Director of the Fraud Department of the Attorney Generals Office in the State of XXXX. He has directed me to submit this claim. 

Find attached the supporting documents to support my claim. Please let me know if you find you need any additional information as you review my complaint. 

XXXX ) Original letter from XXXX indicating their suspicion for fraud when the account was initially opened. 
XXXX ) Initial letter from XXXX stating their decision that the account was legitimate. 
XXXX ) Identity Theft Report # XXXX, Federal Trade Commission ( I submitted after I received direction from the Attorney Generals Office ) XXXX ) Police Report # XXXX, XXXX XXXX Police Department XXXX ) New XXXX statement showing all charges refunded ( consistent with the conversation I had with XXXX on XX/XX/XXXX who stated these refunds/ credits were due to the charges being deemed as fraud ) XXXX ) My official letters sent to XXXX dated XX/XX/XXXX, XX/XX/XXXX ( resent because I was told the original address I had been given to mail to was incorrect and they did not receive the package despite XXXX confirmation of receipt ), and XX/XX/XXXX ( adding the new info from XXXX that they deem the charges fraudulent ) 7 ) Final letter from XXXX XXXX again closing the fraud case.

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 2024-04-26 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-26 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed

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 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I signed up for a credit card at Sephora, through Comenity Bank. My husband had a Victoria 's Secret card through Comenity for XXXX years so I expected no issues. I made THREE ( XXXX ) purchases with this card. 

XX/XX/XXXX I charged {$1000.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$1000.00}. 

XX/XX/XXXX I charged {$86.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$86.00} ; and on XX/XX/XXXX they refunded my {$15.00} late fee. 

XX/XX/XXXX I charged {$260.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$260.00}. 

That's it. I only made XXXX charges total, and I paid off the full amount each time within XXXX weeks of receiving my bill. The problem is that after each statement closed ( XXXX ), by the time Comenity printed, processed, and mailed each statement, I would not receive it until around the first of the month. Which means Comenity expected me to not just submit payment, but for them to receive and process that payment within two weeks of my receiving the bill. 

The entire dispute I am having with Coemnity goes back to my very first bill ( statement closed XX/XX/XXXX ). Despite this being my very first bill, postal delays due to XXXX, and having to set up payment from scratch, I still had this bill payed within 10 days of receiving it. Comenity processed this payment on XX/XX/XXXX, The second bill ( closed XX/XX/XXXX ) reflects that Comenity had received payment in full for my entire balance ; yet they still assessed a {$30.00} fee on XX/XX/XXXX. 

I initially assumed this {$30.00} fee was a mistake on their part, and that they would be happy to rectify the issue due to this being my very first payment & the balance being paid in full. This second bill was paid a little late ( still less than 30 days ), and to their credit when I spoke with Comenity they refunded the late charge. So by XX/XX/XXXX I had made XXXX charges, paid both in full, and had a {$30.00} fee that should never have existed and expected to be removed. When I did not receive a statement for XXXX ( statement closing XXXX ) I assumed the fee was dropped ( as many cards dont send a statement if there is a XXXX balance ). 

In XXXX I made one more charge, which was promptly paid off. I spoke with Comenity about the outstanding balance that was entirely fees accumulating based on the very first fee that should never have been charged, and Comenity refused to acknowledge their mistake. We cancelled all cards with them, and closed the accounts. Despite this, Comenity Bank continued to assess fees and is claiming I owe them {$440.00} in fees and interest. They now have XXXX XXXX XXXX trying to collect on this " debt '', and have reported me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I needed to book a flight on XXXX XXXX on XX/XX/24 and was in the process of doing so when an advertisement from Citibank came up offering {$400.00} in credit and XXXX bonus miles for signing up, getting approval, and booking the flight with their XXXX XXXX XXXX XXXX. The advertisement even went as far as to show the cost of this trip inclusive of the {$400.00} credit. I applied, received immediate approval and was given a hyperlink to click on to access my credit card information, Clicking on the hyperlink resulted in a XXXX error code, " file not found. '' I was therefore not able to access the credit card information needed to book the flight. I called customer service, Concierge services, application services, and finally Executive Response Unit only to be told by all services that they had no way of either sending me a new link or giving me my new credit card information. I was and am therefore not able to utilize this advertised offer to book the flight in question. This is fraudulent advertisement.

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged a Negative Balance for a checking account I had last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urgently request that you take immediate action to eliminate the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress. I did not consent to or initiate these accounts, and it is unjust for me to bear responsibility for them. Please address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: CA

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 non-monetary relief
Consumer complaint received 2024-04-26 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: CA

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 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting 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: VA

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.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief