vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
This afternoon, I found unauthorized inquiries on my credit report and cant understand how they appeared. When I reviewed my report like I always do, these discrepancies suddenly showed up. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. I am incredibly frustrated by this and request a thorough review of the documents Ive submitted to resolve this issue immediately so I can have peace of mind.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
THIS WAS A SETTLEMENT THAT WAS NEVER REMOVED AS PROMISED ;

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 2024-11-26 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-27 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts 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 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 Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Unbeknown to me my Bank of America credit card company Enrolled me in automatic payments Without my knowledge or consent and set Monthly payments to pay off the entire amount of The credit card balance each monthly payment cycle ( {$2000.00} ) starting XXXX and has continued doing so each month since. I have contacted their customer service representatives each time this happens to try to correct the issue after lengthy conversations. They did not make me aware that I was somehow enrolled in automatic payments until after XXXX and after doing so they assured me that they would ( A ) correct the problem ( B ) refund my money and ( C ) retract the negative credit report issued the the major credit agencies. So far, they have not taken any action to remedy this problem whatsoever.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND I HAVE PERSONAL INFORMATION WITH VARIATIONS, WHICH IS CONFUSING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: AL

Complaint narrative:
To briefly recap, I enlisted in the XXXX XXXX on XX/XX/XXXX, and I am currently on XXXX XXXX. I was charged an APR of 28.24 % from XX/XX/XXXX to XXXX XXXX, before my account was reduced to the SCRA-compliant rate of 5.90 %. However, Discover has not refunded the excess interest I paid during the period I was charged the higher APR, despite multiple attempts to resolve this issue directly with them. I have already submitted copies of my bank statements showing the overpaid interest. 

In my original submission, I included : XXXX. A copy of my XXXX XXXX  from the XXXX XXXX XXXX and my military ID. 
2. Bank statements showing the overpaid interest.

I would like to request an update on the progress of my complaint and inquire whether any additional information or documentation is required to expedite the resolution. If there are any further steps I should take, please let me know, and I will gladly provide whatever is needed. Thank you once again for your attention to this matt
er. I greatly appreciate your continued support in ensuring compliance with the SCRA and helping me resolve this issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
In the month of XXXX I requested validation of debt after noticing numerous amounts of accounts furnished on my consumer report that I have no knowledge of or were created without my authorization. Ive disputed the issue with no response or reasoning from credit bureaus. They keep saying my dispute was made in error, a complete stall tactic!

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 2024-11-27 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: GA

Complaint narrative:
In the month of XXXX I requested validation of debt after noticing numerous amounts of accounts furnished on my consumer report that I have no knowledge of or were created without my authorization. Ive disputed the issue with no response or reasoning from credit bureaus. They keep saying my dispute was made in error, a complete stall tactic!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NM

Complaint narrative:
I am trying to apply for a mortgage loan and I can not due to remarks or disputes on my credit report. I called and tried to talk to a live person at Experian, but the automated tells me to go online and hangs up. I go online and the only options are to create a dispute or view XXXX. If I try to view dispute, there are no active disputes. However, there are notations or remarks that are on certain accounts and I need them removed. I have tried the AI bot online, and the help online and tried to talk to a live person with several phone numbers. I can not get a live agent and nothing on their website allows you to remove or delete disputes or have the flags cleared. Several comments or review on XXXX state others have had the same issue with Experian. I was able to take care of my issue with XXXX and XXXX, but I can not get any assistance through Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUDIT SYSTEMS,INC
State: WI

Complaint narrative:
XXXX XXXX XXXX at XXXX, has called me XXXX times in the last XXXX weeks. The time I did answer, I requested information pertaining to why they are calling, including documentation. They hung up on me. Have since continued calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened checking account with XXXX Bank on XX/XX/XXXX and deposited XXXX XXXX since then I am unable to use any of my funds because someone at the local branch placed a hold without explanation. I requested to close the account on XX/XX/XXXX over the phone and refund of my money. The bank charges monthly fees every month for XXXX $ and wont let me use the account and wont close the account either per my request. I would like to close this account with routing # XXXX XXXX # XXXX. Also I would like a refund of total funds deposited in the amount of XXXX XXXX 
Thank you 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 2024-11-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX and XXXX started a multiple financial transactions on my name without my knowledge, approval and on line transaction using my personal information without my approval. About XXXX companies were processing loans on that day before we coud sign any documentation or approved their ilegal transactions. XXXX of the companies was Mosaic Solar processing a loan for XXXX XXXX and XXXX, my wife and I do not know this company, never entered into a bussiness transaction with them, did not meet any of their representatives or approve any loan agreement. Besides we told XXXX XXXX we did not need solar panels because we had solar panels installed on our property since XXXX, but they proceeded with their own arragement. The permit was processed back in XX/XX/XXXX without our approval. Panels were installed in XX/XX/XXXX, passed inspection from the XXXX XXXX XXXX on XX/XX/XXXX and are not in service jet because they are not in complaince with XXXX XXXX. What makes this solar panels installation problematic is that the company that installed the twenty-five solar panels is not XXXX XXXX and XXXX that has done no work but Green Cube XXXX XXXX We do not know either of them and has not done any transactions with them. Even worst XXXX XXXX XXXX and XXXX  submitted payment claims with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and we another companies claiming the same XXXX solar panels. The fraud organized by XXXX XXXX is out of proportion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint with Regions Bank : On XX/XX/year>, I submitted an online registration form for a {$300.00} new checking account bonus with Regions bank. The promotion specified that I must include the same email that will be used to open my account. After submission, I received an email confirmation stating I was registered, and to follow a link to open the account online. When trying to make the account online, I received an alert stating that I had to call the bank to finish setting up my application. During this online process, there was an option to submit my promotion code, and it went through and did not give me an alert for that step ( but does give an alert for any 'wrong/invalid " promotion codes submitted ). 

I called the bank on XX/XX/year> and while speaking with the banker, she told me that she could open my account. I asked her a total of 3 times if my promotion ( promotion code XXXX ) would be applied to my account, she at first stated " yes It will be applied ', then said and " I can not check if it has been applied now, but you can call tomorrow to verify that. '' Therefore, I ended up opening the account with the instruction the code has been applied. 

I called the bank on XX/XX/year> and while speaking with a new representative, XXXX, I was told during the XXXX min phone call that the promo code was not applied, that I had not registered for the promotion. I detailed that I have an email confirming such, and when instructed to submit the registration again, I was told from the website that my registration has already been completed. XXXX stated that she still did not see me having registered and there was no way to provide me with the promotion anymore as my account had already been opened. She stated that they may send me a code in the future, but she could not guarantee anything. I then closed my account with them, and am filing this complaint to address such misleading practices. I would have never opened the account if not for the initial promotion, and having such credit/bank account checks performed for me was wholly unnecessary. They also required an initial deposit to open the account, which was provided via phone. No confirmation was provided that this would be cancelled, but I hope that it does. I have not received any written confirmation of account closure, but was provided some #. I am unclear if the account was fully closed.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently looked at my credit report after requesting a reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating and Late Payment Date across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) This account was Paid and closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid, Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address. 

XXXX report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit XXXX {$0.00}, Account rating : Paid Transunion report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00} XXXX Account rating : Closed XXXX report : XXXX  XXXX XXXX  - Account # XXXX XXXX, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00}, Account XXXX : Paid

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently looked at my credit report after requesting a reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating and Late Payment Date across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) This account was Paid and closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid, Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address. 

Experian report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit XXXX {$0.00}, Account rating : Paid XXXX report XXXX XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00} XXXX Account rating : Closed XXXX report : XXXX XXXX XXXX  - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00}, Account rating : Paid

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 2024-11-26 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: FL

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

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 2024-11-27 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: MA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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