vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a malfunction or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about 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 non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/year> Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
I did not consent to, authorize, or benefit from any of the following Inquires : XXXX - XXXX Equifax XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Arative Technologies LLC  (Bancoli)

Complaint narrative:
so I had XXXX XXXX account after used for while ive seen that company is complete fraud they delay withdrawals also dont know how to send payment so I close my account remain funds XXXX dollars I send to client but because XXXX send funds to client week after deadline client reject the transfer and his bank XXXX XXXX returned back to XXXX the transfer on XXXX XXXX months after that scammers claim money still not back I have solid proof By XXXX Police in XXXX collaborate with Client bank XXXX that money was sent back on XXXX XXXX and credited to XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX.so multiple request they still said cant find the money I ll attach so solid evidence by police by bank I gave them XXXX track swift also confirmed money is credited back to XXXX, so also I m not only XXXX in that situation a lot clients their its same. situation so DONT TRY TO FORWARD ME TO OTHER AGENCY BECAUSE I LL REPORT YOU ALSO FOR LAZY WORK THIS COMPANY IS FRAUD AND THEY CLAIM ITS UNDER US REGULATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
To Whom It May Concern, Subject : New Complaint and Evidence This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX - Fraud Protection Dept Case id XXXX # XXXX Case id XXXX # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, 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 2024-07-25 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I signed up for a credit card with a high yearly fee due to the benefits it says it came with. XXXX benefit, as I understood it, was a free night at a hotel that I would receive XXXX weeks after signing up for the card. After XXXX weeks I reached out to see why I didnt receive the benefit at which point the company informed me that the benefit was only in the XXXX  year of having paid for membership. 

The language below was included in the fine print but describes a wholly different benefit to the Free Award Night benefit that you only get after the XXXX  year. 

Free Night Award The Free Night Award has a redemption value of up to XXXX points for XXXX standard room. Certain resort fees may apply. 
It may take up to XXXX weeks for the Free Night Award to be deposited into the XXXX XXXX member account after the Card Member selects this benefit. 
Award is only available to the Basic Card Member on the account. Award is valid for XXXX  ( XXXX ) year from issuance date. Award may not be transferred, extended beyond the expiration date, or re-credited for points. 
Free Night Award Redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: KS

Complaint narrative:
To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud Protection Dept Case id XXXX # XXXX Case id Blue # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I am asking for your support regarding the false account reflected on my credit report. It has been damaging to my reputation, and I need your help to eliminate and block it as quickly as possible.

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 2024-07-25 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 am asking for your support regarding the false account reflected on my credit report. It has been damaging to my reputation, and I need your help to eliminate and block it as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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 am asking for your support regarding the false account reflected on my credit report. It has been damaging to my reputation, and I need your help to eliminate and block it as quickly as possible.

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 2024-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had an installment loan under my name that was taken out for my ex husband. I paid for it for quite some time then I couldnt manage the payments. There was less than {$2000.00} remaining and I tried to negotiate the loan to a smaller amount or longer time to pay off the loan. Ener bank denied both. They have written off this loan but keep on adding fees to it to the long where now the amount I owe is over {$5000.00}. I also had someone from Enerbank come to my house one time when I wasnt home and was yelling at the person that answered the door and he threatened to take legal action against me. This was a very scary situation for people in my home. I want to come to a reasonable amount below {$2000.00} to pay off the loan. I am a single parent and I take care of my old mother and young child that is ready to go to college. I want to do the right thing but need help with the reduced amount and payment terms

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 2024-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was approved for a loan on XX/XX/year>. The loan company said they needed to change my banking password. When they changed my password they also got into my account and disputed several of my valid transactions. This was Huntington bank. When the bank issued provisional credits easy finance company then XXXX  those funds to a XXXX  party individual. I was told by the bank to come into the branch to file a dispute which I did. The bank reversed the provisional credits but did not reverse the XXXX payment. They stated the XXXX payment was consistent with my usage. Despite the fact this was a recipient new to me and out of my area code. The recipient is not even in my XXXX  contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. 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 2024-07-25 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: AL

Complaint narrative:
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: AL

Complaint narrative:
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback.

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 2024-07-25 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-25 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> JPMCB ran my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please removed these accounts from my report, this is hurting my ability to obtain credit and also causing me to have very high interest rates.

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