vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed that there is an inaccurate bankruptcy reporting on my consumer reports with Transunion, XXXX and XXXX. I disputed the bankrupcty with all 3 consumer reporting agencies and XXXX deleted it because it was unverifiable. Since Transunion and XXXX continued to report this inaccurate bankruptcy, I decided to reach out to the bankruptcy court to see if they were verifiying the inaccurate data and how were they verifying it. They responded with a letter stating that they do not report to the consumer reporting agencies or verify any information with the consumer reporting agency. 
This really didnt make any sense to me since XXXX and Transunion stated that the bankrupcty court verified the information as correct. It is a violation of the FCRA to report unverifiable and information on a consumer report. Each consumer reporting agency is reporting a different reference number and a different court. XXXX was unable to verify this information so how was XXXX and Transunion? This inaccurate reporting has caused tremendous damage to my consumer reports and my life so I am demanding this unverifiable bankruptcy to be deleted from my consumer reports 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 2024-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
I get emails that I'm not sure will ever stop. I'm sorry this happened. this happened at XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received the Equifax alert on the attempt to apply for a loan in XXXX XXXX using my data. It was a fraud because I didnt apply for any loans in XXXX XXXX and I didnt give anyone a permission to use my data. 
All my credit records are frozen. I contacted the XXXX XXXX, my insurance company, and Equifax in order to get the assistance with invistigation and removing inquiry from my credit history. XXXX XXXX Fraud department found the denied application to get a loan using my data. Unfortunately, all aboved mentioned institutions cant properly assist me and remove this inquiry from my credit history. This situation can negatively affect my credit score. Please, investigate this situation and help me remove this situation from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
In my credit report, I found some unrecognizable accounts. As a result of not knowing about the existence of the accounts listed below, they need to be removed. I have been a victim of identity theft. All the accounts listed in this letter are unfamiliar to me. The Federal Trade Commission has been notified of the theft of my identity, and I have received copies of the Identity Theft Affidavit from the Federal Trade Commission. In this letter, I respectfully request that the items listed be removed. I appreciate your team 's assistance in advance.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is regarding a concern about a business credit card application submitted XX/XX/2024, with the application number XXXX. My application was denied on false premises, and I have reached out to Truist for help in this matter. It was bought to my attention when I spoke to a representative over the phone that I mistakenly put my filing number when my TIN number was needed. The representative told me to send a letter via mail, and to send an email to XXXX in which I did. When I emailed Truist, they informed me that they could not validate my information which is weird because I gave them everything that I gave the agent over the phone who was able to validate my information. I am under the impression that the agent did not want to conduct a proper investigation to help remedy this problem. I am only now submitting this complaint after XXXX XXXX because it is obvious this has fell on deaf ears. My application was submitted to secure a business credit card for my business. My personal credit, business credit, and revenue is up to par. I am asking for reconsideration giving that this application was denied based on misinformation. Extending my business this credit would help me establish a relationship with your company. I have attached all docs for your reference including my personal credit reports, business credit report, XXXX, filing number, email correspondence, and the letter mailed which is dated and time stamped. I am asking that there is no hard pull performed being that my most recent credit report ( XXXX XXXX ) is attached. I look forward to a favorable decision from your company. Thank you for your time.

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 2024-05-30 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
Since student loan repayments resumed in XXXX, I have had countless issues with MOHELA. So far, they have taken months to process my XXXX have not emailed out billing statements to me, have put me on XXXX without notifying me, and they have removed my XXXX choice and moved me to the XXXX plan. Currently, I am not listed as being on the XXXX and my account on their website has no information about the status of my account. The XXXX XXXX XXXX XXXX shows my account is in XXXX, but the MOHELA website does not state that, and I never received an email that my account would be on XXXX. My MOHELA account also tells me I have no bills due, but no other information. The XXXX website tells me my next bill isn't due until XX/XX/XXXX, but MOHELA has not given me any information about a pause on my account. I tried calling their phone number, and their directory does not work. It just repeats the message without allowing me to dial the corresponding number to be directed to the department I need to speak to. I also never received notification from MOHELA that they will not longer be handling the counting of XXXX payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One main claims I a man owe XXXX without verified and documented proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK ACCUSED ME OF INVOLVEMENT WITH THE THEFT OF FUNDS IN XXXX THAT WAS DONE THROUGH CASH APP, THEN AGAIN IN XXXX ; IN XXXX AN INSURANCE CHECK FROM XXXX XXXX XXXX WAS SENT TO SOMEONE ELSE 'S ACCOUNT -- NO FAULT OF MINE- IN THE AMOUNT OF {$1600.00}. 
IN XXXX, I NEEDED A NEW VEHICLE, I APPLIED ONLINE AND GOT A RESPONSE FROM A COMPANY WHICH BEGAN TO SEND ME MORE MONEY THAN I NEEDED. THE COMPANY TOLD ME TO RETURN THE MONEY VIA GIFT CARDS, AS THE FUNDS DID NOT COME FROM A BANK. HOWEVER TD BANK SHOULD HAVE WARNED ME. I RETURNED THE FUNDS AFTER WITHDRAWING THE FUNDS FROM THE DEPOSITED CHECKS. THEN I WAS CONTACTED BY TD BANK TO CLOSE THE ACCOUNT AND OPEN A NEW ONE BECAUSE ALL OF THE CHECKS WERE FRAUDULENT. THEY THEN DEDUCTED MY SSD, NEW YORK STATE PENSION AND WORKERS COMPENSATION CHECKS AND CONTINUE TO DO SO. 
I'M AWARE OF TD BANKS RECENT CLASS ACTION LOSS IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
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 2024-05-30 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: MD

Complaint narrative:
IN XX/XX/year> TO MY SURPRISE MY UNDERWRITER SENT ME MY CREDIT REPORT WHILE TRYING TO BUY A HOME AND SALLIE MAE HAD PLACED ON MY CREDIT REPORT TWO LOANS ( # XXXX & # XXXX ) ONE AT $ XXXX AND ONE AT $ XXXX, HOWEVER THEY ADDED {$9500.00} AND {$10000.00} IN INTEREST WITHOUT ME EVER RECEIVING A BILL. THEY RUINED MY CREDIT, RUINED MY ABILITY TO BUY A HOME AND NEVER SENT ME A BILL, OR EMAILED ME A BILL. NOTE THE LOAN WAS DONE 7 YEARS AGO. WITH COVID EVERYTHING WAS SO OFF AND I HAD NO WAY OF KNOWING. ONCE I SAW THIS.. I CONTACTED THEM AND LODGED A COMPLAINT, ASKED FOR MY BILL AND SENT THEM {$3600.00} THAT DAY. I AM SIMPLY ASKING TO PAY WHAT I OWE -- $ XXXX NOT $ XXXX!!! THIS IS SO PREDATORY AND WRONG IT IS IMPACTING ME ON ALL LEVELS. HEALTH, CREDIT AND ABILITY TO BUY A HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
In monitoring my credit report today - I noticed that there was an inquiry for opening a new credit card with CB Indigo on XX/XX/2024. I took no actions to open / attempt to open a credit card with CB Indigo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable XXXX. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-30 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  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 2024-05-30 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:
Recently, I did an investigation on my credit report which caused XXXX  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 explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
Equifax, XXXX, and XXXX are reporting inaccurate information on my credit report. All three agencies have a different date opened for XXXX XXXX account # XXXX. Also, the high balance and the credit limit are not accurate. The last date reported is also inaccurate. The date of the last active is also incorrect, as is the date of the last payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank ( National Virtual Banking, XXXX XXXX XXXX, XXXX XXXX, MN XXXX ), opened an account using our business information, without our consent or knowledge. We have contacted them and tried to close account, but they never resolved the problem. Now, we just received letter that our account is overdrawn, and they refuse to help.

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 2024-05-30 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX XXXX TRANSUNION 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 2024-05-30 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- XXXX EXPERIAN 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 2024-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony didn't credit my account for the correct amount, so my total amount owed was more than what i paid for my zero percent interest promotion. Because of this the deferred interest was added to the total. This shouldnt have happened and has racked up additional interest charges. I have disputed the deferred interest, but synchrony isnt helping me. I have called multiple times with no help. When I call the customer service acknowledge they made the error and submit a dispute, but nothing seems to be 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 explanation
Consumer complaint received 2024-05-30 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:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-05-30 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: KS

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you guys will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # : 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 2024-05-30 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: KS

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you guys will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # : 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