vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX several times about the incorrect personal information they are reporting on my consumer report and they have refused to remove it. As a Credit Reporting Agency they are supposed to be reporting accurate information only. There are several addresses, employers, and phone numbers I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
All of this is regarding a XXXX XXXX of XXXX issued by SunTrust. 

On XX/XX/XXXX, I attempted to mobile deposit the check into my XXXX XXXX checking account. On XX/XX/XXXX, I was informed by XXXX that SunTrust had rejected the deposit. I contacted XXXX XXXX  to ensure that there was no hold on the funds, then, on XX/XX/XXXX I attempted to mobile deposit the check into my SunTrust checking account. Again, XX/XX/XXXX, the deposit was reversed by SunTrust. I contacted SunTrust on XX/XX/XXXX and opened case XXXX for research as to why the deposit was reversed. On XX/XX/XXXX, I contacted SunTrust as to the results of the research and I was informed that the only thing they found was that " they thought '' that I entered the wrong amount when doing the mobile deposit. On XX/XX/XXXX, I physically deposited the check into my SunTrust checking account at a SunTrust branch in XXXX, XXXX Again on XX/XX/XXXX, I saw that the deposit was reversed. At this point, I still do not have the funds and, as I deposited the check at the local branch, I do not have the physical check.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter out on XX/XX/2022 to Experian. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they speak with. 

How did they complete 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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a dispute on XXXX XXXX about a debt that was paid in full on XX/XX/2022. It was a debt for a check loan place called Check n Go and the amount was for {$310.00}. I paid it in full. It still is showing up on my credit report. I put in a dispute and they still have not made the adjustment to my credit score. Says it's been reviewed, but they are not making a change to it. I have the proof that it has been paid off, but I'm not getting any help with getting it off my credit or to at least show that it's been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After several attempts to get Equifax to correctly report my credit report they have refused. I have sent in verification letter documents and filled disputes both online and speaking to a representative. I have been trying to get Equifax to correct my name, inquiries ( which my file is frozen with them ) fictitious accounts they are reporting as verified. These accounts nor inquiries can not be verified because I gave no permission at all for these. XXXX and XXXX have corrected their incorrect information but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
The company affirm violated my rights under the fair credit act. i was a victim of identity theft in XXXX Wich has been documented with the all the appropriate authorities several unauthorized accountants were fraudulently open under my D.O.B and SSN. affirm being one of those accountants i recently submitted affidavit 's police reports to affirm. Just so that they were aware the acc that they had on file was due to identity theft and fraud. 
affirm claims they did an investigation and i was told that the information they had on file was accurate. in clear written words i ask to affirm to please verify to me what methods or resources they used to investigate affirm has bluntly denied me the right of them verifying the information they have on file. they ask me to send my current information to verify information they already supposably had. i sent over my current address and my identification card. Wich, they ask to give me information that was supposedly used to open these accountants they sent over 2 different addresses. one i had never been affiliated with or ever reside at. i brough this to affirms attention and they told me. they investigation is final and i owe their debt. I ask to affirm do they have any other relevant information besides addresses # acc etc. affirm told me that their decision was final. and they are going to report this outdated fraudulent debt to my consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter out on XX/XX/2022 to XXXX. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they speak with. 

How did they complete 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received numerous emails at two in the morning that a Bank of America bank account was opened in my name. I never opened a bank account with them. I called Bank of America and they stated they would close the account but I never received confirmation that the account was 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE ONLY ADDRESS THAT SHOULD BE ON MY CREDIT REPORT WITH EXPERIAN IS XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex I HAVE DISPUTED THE INCORRECT AND WRONG ADRESSSES ON FILE THEY STILL HAVE NOT REMOVED THEM, I HAVE NEVER LIVED OR ASSOCIATED WITH THOSE ADRESSSES XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex  XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have contacted all three credit bureau over 11 times for the last 6 years to have this information removed, provided police reports statement and no assistance. 

Contacted both credit bureau and companies reporting the accounts and nothing has been done in 6 years to fix this issue after providing documents both companies requested. 

XXXX XXXX XXXX, XXXX XXXX {$2500.00} original balance {$33000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 XXXX XXXX XXXX XXXX Balance {$2000.00} ( I do not have an account number ) this is fraud account Date opened XXXX XXXX Discover bank Balance {$1000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
I noticed that there was a credit card ending in XXXX that was opened in my name with the wrong address on my credit report. I then reached out to the credit card company in question to rectify the situation. I sent them a identitytheft.gov affidavit and they promised they would look into it. They closed the account, removed the inquiry, but yet this fraudulent account still remains on my credit report bringing my score down.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I saw this morning on my credit report JPMCBcredit card it says its chase bank I looked it up I have not applied for credit with Chase bank I need to get it removed from my credit report on my credit report now no money taken yet trying to stop before anything happens its a hard inquiry need it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE REACHED OUT TO THIS COMPANY MULTIPLE TIMES, THIS ACCOUNT IS INACCURATE AND COULD NOT BE VERIFIED, THEY STILL HAVE NOT REMOVED XXXX XXXX  XXXX AFTER MULTIPLE CALLS AND THEM SAYING IT COULDNT BE VERIFIED & THE ORIGINAL CREDITOR REMOVED THE INACCURATE INFORMATION WITH THE OTHER COMPANIES I AM NOT SURE WHY THIS COMPANY STILL HAS INACCURATE INFORMATION SHOWING UP ON 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I HAVE DEMANDED THIS COMPANY REMOVES THIS INACCURATE HARD INQUIRY FROM MY CREDIT REPORT THEY HAVE NOT TAKEN ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
THIS COMPANY WILL NOT REMOVE THE INACCURATE INQUIRIES THAT ARE ATTACHED TO MY CREDIT REPORT. Recently upon viewing my report Ive noticed a bunch of inaccuracies, upon me reaching out to the company they assured me Id have to reach out to the original creditor which I have, they can not verify the inquiries and have no explanation as to why the companies ran my name. I am demanding this company removed them!!

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX.issued me a prepaid XXXXBank of America credit debit/card in XX/XX/21 card # XXXX for {$150.00} for a failed refrigerator ( for food spoilage }. I misplaced the card, and never used it until XX/XX/21 when I tried and it had been cancelled by BOA Credit cards. I contacted BOA and they indicated they would send me a check for {$150.00} in 3 weeks. I never received the check and I contacted them yet again. They then said they would not send a check or new card and could not tell me where my money went. They basically Stole my money and it is not their money. I contacted XXXX XXXX and they could do nothing since they gave the money to BOA to purchase the card. This is a good example of corporate fraud and deceit. I spoke to a supervisor and a manager at BOA to no avail. Thank you for your help and service. I am an XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your service and help. 
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 2022-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I applied for consumer credit and am need of all of the records and files both private and public associated with such transaction. I am also claiming all rights, titles and interest to my application that was denied and want the check to be sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Illinois XXXX in 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I did a consumer credit application XX/XX/XXXX for a XXXX XXXX XXXX on XXXX website. Please forward me a copy of my application along with an audit trail of this transaction.

Company response to consumer: Closed with explanation