vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/24 I ran a 3 Bureau report with Experian. I immediately noticed my XXXX score dropped XXXX points ( from XXXX to XXXX ). Upon further research I realized my payment history status changed from " very good '' to " good ''. I immediately went directly to XXXX 's website and ran my report confirming I have no late accounts showing up on my report through them. I went back to Experian.com and filed an inquiry asking for it to be checked out. The immediate response I received was we're reporting information which is provided directly through XXXX. So I called Experian a total of 3 times in 1 day being given the runaround. Finally via email I am told I need to review my reports from XX/XX/24 and compare to the ones received on XX/XX/24. After digging further I realized Experian is reporting a XXXX XXXX XXXX account that was removed from my XXXX report well over 2 years ago. At first the reaction I received was to email them a pdf copy of my XXXX report to prove the account they're reporting is not showing up on my XXXX report. I emailed my XXXX report to XXXX a total of 3 times and my XXXX report provided through Experian is still not corrected. I've already confirmed with XXXX the XXXX XXXX XXXX account is no longer on my report and they confirmed they can not send me anything regarding the XXXX XXXX account because it has been officially removed from my report so they have nothing to send me. XXXX is sending me a copy of my report to confirm the XXXX XXXX account is not on my report except I have online access to my report directly through them and I can see the XXXXXXXX XXXX account is not on my report. Finally after I wanted to say my XXXX phone call to Experian support I spent over an hour on the phone getting transferred from department to department because noone wanted to help me I talked to someone who claimed after talking to his peers they all agreed it is a glitch in Experian 's system. Yet I ran another report today and the XXXX XXXX account is still having a negative affect on my XXXX score on Experian.com. I was even transferred and yelled @ by the disputes department because they said they can only dispute items that are on my Experian report. However, I have access to my XXXX report through myfico.com in addition to other credit monitoring platforms I can clearly see Experian is the only agency reporting this defunct account. I need this corrected. I've been trying to have this corrected via phone and email for 2 weeks and I'm having no luck.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I would like to address an issue concerning an account you are inaccurately reporting on my credit report. I have been a loyal customer of BMO HARRIS for over 2 years now and I have consistently valued the excellent service and benefits provided by the company. However, I was disheartened to discover an error on 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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Hello, I am filing this complaint to dispute the debt notice I received from Rausch Sturm, LLP regarding the creditor XXXX XXXX. I was notified recently that I owed XXXX XXXX money for a debt that I was told in XX/XX/2023 that was credited in full. I am requesting that Rausch Sturm stop any collection attempts and proceed to speak with their creditor. I am not responsible for any debt associated with XXXX Bank regarding my XXXX XXXX  card that the balance was to be updated and credited for. Per XXXX Bank customer care the debt was to be settled in XX/XX/2023 reflecting a {$0.00} balance on the account. 


Thank you, 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX lied and stated that they dont have any transcripts pertaining to their representative stating that the issue I had would not be reported to any credit bureau XXXX Upon investigating on my end I found the transcript to dispute what they are stating so now they are being dishonest so I would like to know why they werent transparent and who works in the legal department.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There was a hold in the amount of XXXX in my Chase Checking account by XXXX XXXXXXXX XXXX XXXX XXXX I went to court on XX/XX/2024. The hold was removed by the Judge of the XXXX XXXX, Kentucky due to the evidence that I had submitted to the court. When I received the court order, I took the order to the Chase Local Branch and the bank official faxed the order to the Chase Legal Department. I was informed by Chase Bank that the funds of XXXX, would be released from my Checking account in two business days After three business days,. I checked my bank account and they had sent the XXXX To the XXXX XXXX attorneys. I contacted XXXX a non-profit law firm, who is helping XXXX XXXX like me. The only income that me and my wife has is Social Security and her retirement pension. The is illegal to take this money from me and my wife which incomes are protected by Federal Law. They still took this money after a court order informing them, that they can not do this. I called the Chase Bank legal Department and they said that they had not received the court order and I was there, when the Branch Office faxed it to them. The Chase legal Department said it was my problem and they had no control over it. This was a legal court order. I have a copy of the court order for your review. Thank you so much for your attention and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( 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 whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX # XXXX ], are not complete and accurate.

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), 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
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( 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 whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX # XXXX ], are not complete and accurate. 

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), 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 2024-02-16 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: LA

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. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

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. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: LA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-16 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: OH

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2024-02-16 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a synchrony care credit card. I have only made two purchases on the card. One in XXXX and one in XXXX of XXXX. Each month I pay XXXX $ by way of automatic withdrawal. Each month I have an interest charge on purchases always over XXXX $ and one interest charge of over XXXX XXXX The card is therefore never able to get paid off. This company is stealing money from 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 non-monetary relief
Consumer complaint received 2024-02-16 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: PA

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. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-02-16 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: VA

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. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-16 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
Never received credit card and installation not professional! 
Cancel and pickup exoskeleton installation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
There was a claim on XX/XX/XXXX of 2023 on the account from XXXX XXXX to XXXX XXXX that was before we opened our account. XXXX had cashed a check from XXXX account We opened our account XX/XX/XXXX of 2023. There was {$530.00} taken out of our account on XX/XX/2023 that had nothing to do with us. 
We made a claim on XX/XX/XXXX of 2023 to get our money back that should not have been taken. 
We have made several phone calls with Bank Of America trying to resolve this issue and nothing has been 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 monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint on my own behalf to rectify an issue related to inaccurate personal information on my credit record. The provided information is not associated with me, and I urgently request the removal of this fraudulent data.

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 2024-02-16 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: Rocket Mortgage, LLC
State: NH

Complaint narrative:
On XX/XX/2024 Rocket Morgage did a hard hit on my credit without my authorization! According to XXXX my credit score dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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