vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
BK OF AMER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.

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 2024-01-04 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: FL

Complaint narrative:
I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
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 explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone used a card that was stolen from the postal mail and XXXX dollars were charged. The bank does not want to be held accountable, file a dispute for fraud since I have no responsibility in this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
Note : New found information is being submitted. This is not a duplicate complaint. 

Subject : Formal Dispute and Complaint Regarding Equifax Credit Report Dear Equifax Dispute Resolution Team, I am writing to bring to your attention a matter of great concern regarding inaccuracies in my Equifax credit report. As of XX/XX/XXXX, I have identified fraudulent reporting of creditors and accounts that are not associated with me. 

I would like to emphasize that I do not own a business, have never entered into joint accounts with anyone, and have not authorized the opening of any accounts in my name. On XX/XX/XXXX, I submitted a complaint with the Federal Trade Commission ( FTC ) under complaint number # XXXX. Additionally, on the same day, complaints were lodged with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax 's false reporting of XXXX XXXX. 

Regrettably, as of XX/XX/XXXX, my disputes remain unresolved, and Equifax has neither responded to nor acknowledged my complaints. The accounts listed below are erroneously reported on my Equifax credit report and should be promptly removed : XXXX XXXX XXXX  : ** - Account Number : XXXX - Account Number : XXXX To substantiate my claims, I have attached a copy of the quick results generated by Equifax , indicating that the dispute was completed between XX/XX/XXXX, and XX/XX/XXXX. Furthermore, the attached report reflects an alarmingly low credit score of XXXX, which I believe is a direct consequence of the inaccuracies being reported. 

I kindly request that you promptly investigate and rectify these discrepancies in my credit report. I believe it is crucial for the accuracy of my credit history and financial standing. Please provide a timely response acknowledging receipt of this dispute and a detailed plan of action to address and correct the reported inaccuracies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-01-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CO

Complaint narrative:
I have problems with my charges being denied. This first happened in the spring with me trying to make a purchase from XXXX online. 
This has happened again with me trying to buy renters insurance from XXXX. 

They keep not accepting my current phone number, which is XXXX Even though that was my phone number even on my previous card with them, ending in XXXX. 

I had had this phone number for over 5 years. 

I do not know of any other reason that they are denying the charges. I have tried to reach customer service and keep getting told " high volume '' " please call back ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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:
I have inquires on my credit record that was not done by me these are the company 's 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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of information on consumer credit reports. I urge your bureau to adhere to the FCRA guidelines and conduct a thorough investigation into the legitimacy of these newly reported fraudulent accounts. It has come to my attention that despite your previous efforts in removing fraud accounts, new instances have emerged, adversely impacting my creditworthiness. I question why your bureau is allowing the reporting of unverified fraud accounts, tarnishing the accuracy of my credit report. 
XXXX XXXX XXXX XXXX -FRAUD, PLEASE DELETE!!! 
I would appreciate your assistance in providing detailed verification of the accuracy of the reported fraud accounts within the statutory 30-day period.

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 2024-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a business credit card on the promotional terms that if I spent XXXX XXXX within 90-days of account opening I would be credited with XXXX points good for a {$750.00} cash redemption. When I went to redeem the points I was given only two options, one was to receive travel credit for the highest point value equaling the {$750.00} or a cash redemption which was substantially less. When I went to redeem my points, I was only given the two options, but there was a third option available which was to transfer the points to my personal credit card with BofA to receive the full value of the points.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Park Hill Holdings
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my SafeRent report sent to me via mail.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had a US bank world perks visa for many years. I had over XXXX miles saved up. On XX/XX/XXXX, US bank closed my account without notice. I lost all my rewards. They said they closed the account due to poor media coverage. This was poor media on my husband. 
I called US bank twice and also went into a local bank branch. They could do nothing to help my situation. 
US Bank has stolen from me by taking all my miles. I do not care about the card. I am able to get another credit card. I have good credit and no defaults.

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 2024-01-04 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXXXXXX  Wells Fargo decided to put a charge off on my credit report that should have been put on there in XXXX. For whatever reason they didn't report any data. So now 5 years later, when i desperately need my credit, they destroyed it on XXXX My score dropped XXXX points. I'm XXXX and I'm on a limited income and that hurt me because now I can't have the credit. My credit card companies lower my borrowing limits when my credit goes down, we didn't get all of the handouts during Covid. We paid our bills and I've always paid every single bill I've ever had and they have listed me as missing a payment. I've never missed a payment, this is the letter I got from their escalation department. I've called and no answer. Why do they need to verify anything?! You and them have my information. I need my credit back so I can survive. I thought you were suppose to help me. please help 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 2024-01-04 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX  : {$29000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: TN

Complaint narrative:
I have called each credit bureau and sent mail disputes about the following inquiries and accounts - items that are not validated. Each credit bureau has requested I file an Federal Trade Commission Report through Idenitytheft.gov. I have filed the report which i have ( attached ) which all the the following accounts listed are in the ( attached report ) : Accounts To Be Removed : 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 2024-01-04 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: TN

Complaint narrative:
I have called each credit bureau and sent mail disputes about the following inquiries and accounts - items that are not validated. Each credit bureau has requested I file an Federal Trade Commission Report through Idenitytheft.gov. I have filed the report which i have ( attached ) which all the the following accounts listed are in the ( attached report ) : Accounts To Be Removed : 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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am disgusted with your lack of action regarding the invalid accounts on my credit report. Despite my repeated attempts to resolve this issue, you continue to ignore my requests and maintain inaccurate and unverified information on my report. I find it unacceptable that you have verified the XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$5200.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2900.00}, and XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$3900.00} accounts while the other bureaus have already removed them from their records. It is clear that this information is inaccurate, erroneous, incomplete, and unverifiable. I demand that you take immediate action to delete these accounts from my credit report, as required by the Fair Credit Reporting Act. Failure to do so will result in legal action against you.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX of the XXXX family a U.S. National of the united states of America , non- resident, non-citizen national. My name is trademarked and copyrighted, a UCC Financing Statement has been filed with the state of Florida. My status has been put on the record that I am not a U.S. citizen and have never consent to anyone using my information. I AM NOT A TAXPAYER. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent, and the ALL CAPTIAL LETTER NAME/ LEGAL FICTION is not I, XXXX XXXX of the XXXX family. XXXX XXXX XXXX in all capitol letters is a corporation, that I have solitidied and belongs to me. I am not liable for this debt.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
CONNEXUS CU XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.

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 2024-01-04 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: VA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2024-01-04 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: VA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-01-04 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My information might have been impacted by the XXXX Data Breach and may have got into the wrong hands of the wrong person inquiries : NAVY FEDERAL CR UNION XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation