vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : XXXX Account Number : Please verify the completeness and accuracy of this account : Account Name : XXXX Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely. 

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.

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 2024-05-06 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:
Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : XXXX Account Number : Please verify the completeness and accuracy of this account : Account Name : XXXX Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely. 

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : XXXX Account Number : Please verify the completeness and accuracy of this account : Account Name : XXXX Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely. 

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.

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 2024-05-06 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX {$6300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$600.00} XXXX - XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} INQ : XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-05-06 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  - XXXX {$780.00} XXXX XXXX XXXX XXXX XXXXXXXX {$6300.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  - XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX  - XXXX {$24000.00} INQ : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding their failure to report an account that was verified to them by XXXX XXXX XXXX. Despite providing all necessary documentation, Equifax is refusing to include this verified account on my credit report, insisting on the inclusion of an outdated address where I no longer reside. 

The reporting of this account is critical for my financial profile, and its absence is having adverse effects on my credit standing. Despite my diligent efforts to address this matter with Equifax, they have not taken appropriate action to remedy the situation. 

I have attached Equifax 's response to my complaint, despite submitting all required documents as per their request. 

I urge the CFPB to intervene and compel Equifax to immediately report the verified account to my credit report without any further delay or unwarranted demands. It is imperative for the accuracy and completeness of my credit history. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I have been cheated and scammed by hsbc bank my name is XXXX XXXX XXXX I am from, XXXX, it happened XX/XX/year> I went to XXXX to visit my XXXX  daughter meanwhile, meanwhile I wanted to get a bank account for myself but too lazy to go to the bank I decided to go online then a friend recommended the stupid of a bank to me XXXX, I had my check of XXXX from my savings with me, then I called XXXX online to get the account open, i gave the requested information, on XX/XX/XXXX I was congratulated and was given a premier checking account then I called back told them I had my check with me they said I should mail the check to their address in New York XXXX which I did, so I decided to wait as it was on hold, not until XX/XX/year>, I was happy at last, I made some transfer few minute later I was locked out of the account, surprisingly I called they ask so many information if I was the one that made the transaction I said yes, ask me so many personal question to verify me, meanwhile I had my voice verified whenever I call, to me this is enough verification, I was told the account is on review I should wait, once the review team fix it they will open my account to me, every 3 days I would call and different Indians picking the call saying something else, like I am stealing my money, I had given them everything they requested for still yet they say its on review, but nevertheless I do check my balance each time I call I listen to my balance all my transfer was cancelled and return back to the account, I thought they were working on it then I call again around XXXX I was told I have to go to the nearest branch if I want my account open, I told them I can't because the nearest branch is New York and I am in Arizona, even when I was in XXXX it XXXX XXXX away from me, I explained to the agent I spoke with then he asked for my ID/DL number and other information I gave him, then he said its on review as they would fix it since I can't visit the nearest branch, I opened my bank online without any physical intervention now depositing money to my account isn't the issue but removing money from my account is a fraud, on XX/XX/XXXX they debited all my money from my account, now I called today the lady said my account is empty and I have no balance, and she said their is nothing she could do, please help me get my money back, if they want to close my account they should and send me my money if not open back the account and let me have access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX / XXXX XXXX Last month, prior to my overseas trip, I updated my autopay bank details online. However, their system inexplicably retained my old bank information, resulting in a failed payment from the outdated account. Furthermore, XXXX XXXX unexpectedly slashed my credit card limit from {$31000.00} to {$11000.00} and reported this change to the credit bureau, adversely affecting my credit score. 

Today, on XX/XX/2024, I contacted XXXX XXXX and conversed with representative XXXX followed by supervisor XXXX. Despite my plea for assistance, both individuals adamantly refused to provide any 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XXXX different accounts. My wallet was stolen on XX/XX/year>, and then my apple XXXX was stolen after that ( many more items as well- tablet, scooter, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The kicker is that like a ignorant man, I also had my social security card and Driver 's license in addition to debit and credit cards

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 2024-05-06 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:
PLEASE SEE ATTACHED I am not liable for these debts, I do not have a contract or agreement with these creditors, and they did not provide me with the original contract as I requested

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 2024-05-06 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:
Experian is failing to upload their responsibility of deleting information that is inaccurate after being notified why such information is inaccurate. They are blatantly disregarding the law by reporting false information.

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 2024-05-06 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: KY

Complaint narrative:
I applied an American Express business gold on XX/XX/XXXX with a welcome bonus XXXX points if I spend XXXX with XXXX  days and it got approved. I also got an email from the bank for my virtual card, so I can use it immediately. But I can't open the link with the computer and cellphone with different browsers. I contacted the bank about the bank several time and talk with their IT department, the link still doesn't work. I required an expedition on the card, but they refused it. I didn't get the card until XX/XX/XXXX. So I have way less time to use the card. Now I find I am only {$250.00} dollars to reach the bonus. If I can open the link for the virtual card or if I can receive the card earlier, I will definitely get the open account bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
Account closed under bankruptcy court/law and still refusing to move from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NV

Complaint narrative:
XXXX XXXX aka XXXX Credit Card is all my credit file and I never open a credit file or credit card what's expected institutions is identity theft our way of breach of information leaks.. 

This matter needs to be deleted from my credit file attorney general 's office will get up complaint file as well. Account Number reflecting on file 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 2024-05-06 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Inaccurate credit reporting due to fraudulent use of my social security number and birthday and name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: SC

Complaint narrative:
A numerous amount of FCRA violations are continuously being committed which is causing great harm to my consumer report and most importantly my life situation. There is a great amount of inaccurate reporting. I have requested the method of verification that was used, I demanded these companies to cease and desist and Ive requested a proof of claim and they have failed to comply with any of it. Things are being furnished onto my report without my consent. The consumer reporting agencies are willfully violating the FCRA for their own willful and ill monetary gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: WI

Complaint narrative:
I pulled my reports and seen that account was reporting that I am not aware about - I did send out multiple letters to the company along to all 3 credit agencies to verify this information- I keep getting pregenerated responses from the agencies which is insane- I have provided all proof that Is needed to get this removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: WI

Complaint narrative:
I pulled my reports and seen that account was reporting that I am not aware about - I did send out multiple letters to the company along to all 3 credit agencies to verify this information- I keep getting pregenerated responses from the agencies which is insane- I have provided all proof that Is needed to get this removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been making payments of {$500.00} on my account every month, specifically around the XXXX. % XXXX XXXX  goes towards the interest only and an additional {$27.00} XXXX interest on cash advances. However, due to the unforeseen loss of income caused by XXXX, I am struggling to keep up with my payments. Even though I am a veteran with a 70 % XXXX, my request for a lower interest ( XXXX % ) rate was denied by the company. Before the pandemic, I had strong finances and no use for credit cards. I ask for the company 's compassion and understanding during these challenging times. Any relief would be appreciated. This isn't particularly good after we swore to defend the same country that is unwilling 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