vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID Type : Drivers License ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XX/XX/ Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with Early Warning Services , LLC. I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 


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 XXXXXXXX Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I applied for a line of credit with SYNCB. A hard pull was made on my report but I did not receive the line of credit. 

Pursuant to 15 US CODE 1681 ( n ) this hard pull needs to be removed.

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 2024-09-05 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: Green & Sons Agency, Inc.
State: CA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX : Formal Complaint Against XXXX and Outsource Receivables MG Regarding Unauthorized Use of Personal Information To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my privacy rights by Outsource Receivables MG, which has appeared on my credit report without my authorization. On XX/XX/scrub>XXXX XXXX XXXX I filed a dispute with XXXX about this company, as I have never conducted any business with them, nor have I authorized them to access or use my personal information. 

The presence of Outsource Receivables MG on my credit report is a clear violation of my right to privacy. This company has obtained and used my personal information without my permission, which I consider to be unauthorized and fraudulent. Despite my dispute, XXXX has failed to take appropriate action to protect my personal information, as required under consumer protection and privacy laws. They have not removed the unauthorized entry from my credit report nor ensured that my data is safeguarded from misuse. 

I am gravely concerned about XXXX lack of due diligence in preventing unauthorized parties from accessing my personal data, and I believe this negligence has resulted in a violation of my privacy rights. The unauthorized use of my personal information constitutes theft, and I request immediate action to resolve this issue. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TN

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

Account Name : XXXX  XXXX Account Number : 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 2024-09-05 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: FL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-05 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: FL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-04 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I requested for the investigation to be more accurate and to show me th prrof of the bebt they never did I feel tierd and I am XXXX and cant do anything more

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I got a letter in from Wells Fargo XXXX XXXX XXXX when I have fill it out today and received it in the mail and sent it back in the mail to yall department today I want to know when will they call me or how will they contact me and how My name is XXXX XXXX XXXX and contact me at XXXX they can call me or email or do both and how do their process and please give me their contact information too to contact them because I dont have it and tracking number is XXXX and Wells Fargo case number XXXX and read the letter below account number is XXXX I want them to call me or email or do both please please have them to contact me etc.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on ( date you received the letter from TransUnion ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I noticed that several charges on my TD Bank checking account were not made by myself. These transactions ranged from {$18.00} to {$110.00}. These transactions were also made in different states from the one where I reside. Upon disputing those charges XXXX days after they were made, TD Bank temporarily credited my account the amount used, but XXXX days later, notified me that " an error did not occur '', as " Similar transactions were authorized by you, and the spending pattern is consistent with previous account history ''. While that may be true, this is egregious that TD Bank would use this excuse to justify their failure to properly investigate why an unauthorized transaction in XXXX occurred on the same day an unauthorized transaction occurred in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I went to XXXX to get a payday advance and was told that I already had XXXX. They gave me a phone number, XXXX, XXXX XXXX which I called and they told me someone took out a loan under my name at Advance America on XX/XX/year> and that I needed to file a complaint. I did not take that loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: CA

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My equifax account is currently frozen. I tried to unfreeze it to get a car loan. 

However, whenever I try to log in I get a notification that states the following Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX team XXXX ( XXXX ) This means I can't access my account and possibly unfreeze it for a car loan. I also can't access any of my information. 

I have called twice, but they just tell me they don't know what's going on and can't help me. They " escalate '' it to some tech support and give me a confirmation number, but no XXXX ever contacts me with updates after the matter on how this is going to be resolved. I've been without access to my account for XXXX weeks now, but that's just when I realized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 I disputed my on XXXX public records two XXXX that should not be appearing on under my credit report. I have gone ahead and contacted XXXX and the have also verified plus mailed me a copy of my latest report ; they do not have any XXXX on my XXXX report. XXXX has failed multiple times to properly verify this information and have yet to remove it from my credit report. 

Equifax, has also been contacted and filed disputes on XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and has failed to remove the one XXXX 

Attached with this message is a copy of the XXXX report. On page 46 you will note I do not have any bankruptcies on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Monterey Financial Services LLC
State: OK

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I disputed my on XXXX public records two XXXX that should not be appearing on under my credit report. I have gone ahead and contacted XXXX and the have also verified plus mailed me a copy of my latest report ; they do not have any XXXX on my XXXX report. XXXX has failed multiple times to properly verify this information and have yet to remove it from my credit report. 

XXXX, has also been contacted and filed disputes on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and has failed to remove the one XXXX. 

Attached with this message is a copy of the XXXX report. On page 46 you will note I do not have any bankruptcies on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts.

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 2024-09-05 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:
I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts.

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America- I have XXXXhree overdraft transactions I was not aware of, when I called I realized that they declined one of my payments. When I asked them why this happened, they said it was an XXXX  decision. I asked them if I was notified about the use of XXXX  for my bank account and they said no - and that it was not really public knowledge but said it was a press release in 2020 that talked about it, but even the agent also didn't know much about it. Then he asked me if I wanted to change any of my settings for my overdrafts I said NO, I do not want to. Today, I received an email saying that I changed my settings but I remember saying I did not want to change any settings. I am concerned that BOA is using XXXX  to make decisions for me and my financial management without my knowledge or permission. I am hoping this can be resolved and help others that may also be experiencing such challenges with the bank.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.

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 2024-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX, I was in XXXX XXXX XXXX XXXX from XXXX. I was put on XXXX  and group XXXX  sessions. XXXX XXXX gave me a XXXXXXXX XXXX XXXX at nurse line. The Dentist gave me before the pXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an XXXX being in my XXXX. Without signatures for XXXX  or the XXXX. In XXXX  after XXXX XXXX I went back to XXXX  XXXX group XXXX and stayed up late, eating a snack. I went to my XXXX. XXXX  XXXX group XXXX, then I layed under covers getting ready to sleep. Then my stomach started to inflate and I went out. In XXXX I don't remember any Court releases. I went out and woke up in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I went through fights with the look of the identity of the FBI. Also clones of family members XXXX, and XXXX. Money was being passed, + {$30.00} transfered to my pocket. I consistently hit the lottery and I walked up the street to XXXX XXXX mi. Knocked on the window to nextdoor to the Tax shop then went into the Tax shop with a black lady that owns the Tax shop, showed my tickets and won {>= $1,000,000} and some odd money. Turned it into BOA bank to the same people that work there today. Opening up a bank account with the Tax check, and found out several accounts was in my name. I closed one account then the banker the male one said they accept 5 off in lottery tickets. My account went in then the next time, I went to the bank I turned in lottery tickets and took out XXXX XXXX dollars on a card. Next thing I know I woke up in XXXX after moving from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I woke up on the other side from feet getting flashed in the eyes by a XXXX from outside, then out to the other side of bed were I went to sleep in same position. XXXX released in XXXX, and forgot about bank account from XXXX. Then I opened up another account with Bank of America in XXXX with my cousin XXXX XXXX in XXXX mi. XXXX the system omitted hanious information and sent me to XXXX  for XXXX from XXXX. My Bank account went untouched and in XXXX another account went opened for XXXX money without signatures or completion or in my presence and without permission. In two XXXX XXXX  spelled XXXX XXXX. I did. Not finish XXXX, and my other funds did not transfer in. From out, I was matyrd XXXX  and refused truth. By lawyers, program 's and Judges. Plus not sure if I been moved in layin abduction 's from too much noise in body and weird family presence and pressure. Also too many look alikes and false promises of a lawsuit in the U.S.C 18 and 42.

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