vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MD

Complaint narrative:
My Mom was given a XXXX gift card as a gift. When she tried to activate it, it said it was a bad card. I contacted the company ( XXXX ), and explained the situation. They tried to argue that the card was not in my name so they couldn't help. I told them it was a gift card and no name was ever attached to the card. They asked me to upload a copy of my government-issued identification and the gift card to their website. I did that in XX/XX/year>, waited a few days and when I called back, they said they never received it. Then they recommended I fax the information, which I did- on XX/XX/year>, on XX/XX/year>, XX/XX/year> and XX/XX/year>. Each time, they said either they didn't receive it or it wasn't legible on their end ( despite me obtaining confirmation that it went through to the fax number they gave me, plus I also faxed a copy of the same documentation to myself and it was legible ). Lastly they asked me to mail hard copies in of the documentation to their Post Office box. I argued back what proof would I have that someone would receive it that way if I didn't have a contact name to address it to? They said they didn't know what else to tell me and that they didn't have an email address to send it to. I think they are just trying to give me the runaround so that I will give up, as opposed to resolving this issue with providing me with a good gift card to replace the one of theirs that didn't work.

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 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> filed a dispute to Wells Fargo bank about a translation done which I did not request at lest XXXX different times to the same account for the total amount of {$530.00} to XXXX infinite loop the back told me that they will look into this and get back to me they but back the amount for in the mean time then today XX/XX/year> XXXX that the amount was reversed back to the bank because according to the fraud department the amount of transactions werent made with the physical card that it was done electronically through XXXX XXXX which was link to the phone number to the account they couldnt and wouldnt honor me the money as a fraud. I also told them that I have been searching the web and I see that a lot of people have been complaining about this being a scam. So all they can do is file a complaint so now I am out of {$530.00}

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 2024-12-06 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: PA

Complaint narrative:
I recently pulled a copy of my credit report and seen you are still reporting inaccurate information. If your creditor cancelled your debt and issued you a 1099 -C they can't keep reporting it as a charge off it is ordinary income. According to 15 U.S. Code 1681e- Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. Please remove the two accounts listed below from my consumer report. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Disputed Late Payments I have identified XXXX late payments being inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. I request that Experian correct this error and update the account status to " Paid As Agreed Never Late. '' Request for Investigation and Documentation Pursuant to the FCRA, 15 USC 1681i ( a ) ( 7 ), I kindly request : A description of the investigation process used to verify this accounts information. 
Documentation supporting the reporting of late payments. 
If Experian can not provide verifiable proof of these late payments, I expect the account to be corrected promptly. 
Attachments For verification purposes, I have included : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, 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 2024-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. 


XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: 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 ( XXXX ), 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. 


XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-12-06 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: FL

Complaint narrative:
just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. 


XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-12-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I used Destiny credit card once for {$8.00} which I paid. There first statement had Fees charged {$250.00} interest charged {$0.00}. Annual fee {$250.00} credit protection fee {$3.00}. Payment due date was XX/XX/2024. I wrote them I never saw a fee to use their card and this is outrageous. I am XXXX on Social Security and am behind on my bills. This makes life even harder and certainly unfair. 

.This is a Destiny card number XXXX their phone is : XXXX The statement has the following. Make check payable to : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Payment due date was XX/XX/XXXX, they charge {$41.00} late fee. PLEASE try to help me I do not know what else to do. 
Thank you, XXXX XXXX XXXX XXXX I don't know how to forward the statement let me know if you need it I will try to get help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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: DC

Complaint narrative:
I have a scheduled payment on XX/XX/year>. I noticed today on XX/XX/year> that the payment failed. 

Bank of America did not notify me in advance that the payment failed.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies in my account .this accounts is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me lo ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX : ( XXXX XXXX ) ( XXXX ) XXXX : ( XXXX XXXX ) ( XXXX ) Transunion : ( 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies in my account .this accounts is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me lo ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX : ( XXXX XXXX ) ( XXXX ) Equifax : ( XXXX XXXX ) ( XXXX ) XXXX : ( XXXX XXXX ) ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am trying to buy a house I have till the XXXX th of XXXX. They gave me a commitment letter but it's not going any further until the creditors say that I have paid off the item and it's closed. XXXX still has {$2700.00} on XXXX leasing. It's not fair this is ruining me and I'm about to lose my house. 
I don't owe that I didn't even have to pay the {$660.00} but they took it anyways it was closed since XXXX  ... XXXX  wont update it they sent a report back stating it's accurate and not closed and not paid off. 
XXXX XXXX XXXX XXXX  is the same I paid {$580.00} and they won't update anything XXXX is ruining me so is XXXX and XXXX XXXX. They need to send a XXXX bal. Letter over to the creditors/ and to me.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to buy a house I have till the XXXX th of XXXX. They gave me a commitment letter but it's not going any further until the creditors say that I have paid off the item and it's closed. XXXX still has {$2700.00} on XXXX leasing. It's not fair this is ruining me and I'm about to lose my house. 
I don't owe that I didn't even have to pay the {$660.00} but they took it anyways it was closed since XXXX  ... XXXX  wont update it they sent a report back stating it's accurate and not closed and not paid off. 
XXXX XXXX XXXX XXXX  is the same I paid {$580.00} and they won't update anything XXXX is ruining me so is XXXX and XXXX XXXX. They need to send a XXXX bal. Letter over to the creditors/ and to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase bank is refusing to either return the funds of a check that I deposited in my business account. They said that they cant verify it and there is only one way that they will verify it and it is by a third-party verifying company from a different state that is saying, the gentlemans phone number is not correct, he is an XXXXt and has informed me that his phone number has been the same for 40 years. We have offered many ways to try to prove his identity, including coming in person contacting with his own bank and they keep telling us no, theres only one way to do it and that is to a phone number he isnt his. I dont know what else to do. They are refusing to even return the money and void the check. I have spoken with many managers supervisors and had them take this issue up the letter to escalation teams each time it gets denied the lady that I deal with at my branch Was so upset about the situation. She literally called me crying and told me they denied it again and then told her they were not going to release the money or return it back to his account. That its to late for him to try to stop payment and they arnt returning it. Aside from also them telling me they will close my account in 10 days if its not handled from the time they messaged me. Then what happens to my money? They were going to hold the money for two years and then turn it over to the state and no one gets it, I have never heard anything like this in my life before there are plenty legal ways to verify this. They are refusing to hear any of them. People in the branch have been helpful, but there is something they call the back office which is the 800 number this is literally ruining my life. Its embarrassing, froze my entire business account up. So I am not allowed to access any funds. My business can not run not to mention this gentleman is out his {$30000.00} at this point this should be NOT legal. People should be held legally responsible for this. Please Help Me!!! I have read many forums where this is something that Chase Bank does, and some people have had to file lawsuits on the third-party company, forgiving misinformation. I dont know how this policy can be legal. Recently on the news in Arizona, they did the same thing to a little girl and held her check because they couldnt verify a phone number from a livestock association that bought her chickens. This bank needs to be federally investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I discovered that on various dates that multiple creditors ran my credit without obtaining my consent. I have been living abroad and have not used or tried to obtain personal credit for many years. inquiries were made at least 14 times dated from XX/XX/XXXX through XX/XX/XXXX showing up on my credit reports such as : XXXX. XXXX and 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 2024-12-06 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I discovered that on various dates that multiple creditors ran my credit without obtaining my consent. I have been living abroad and have not used or tried to obtain personal credit for many years. inquiries were made at least 14 times dated from XX/XX/XXXX through XX/XX/XXXX showing up on my credit reports such as : XXXX. XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 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 not relating to any transaction by the consumer. 
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 XXXXXX/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 non-monetary relief