vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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:
I was never late in making payments.

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 2023-11-01 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: TX

Complaint narrative:
I was never late in making payments.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I've raised disputes for the following accounts due to suspected fraudulent activities : XXXX. With Upgrade INC, the account opened on XXXX with a balance of {$4600.00} ( account number : XXXX ). After informing the creditor about the fraudulent account and their promise to report it to the credit bureaus, they failed to do so. Instead, they provided false information to the credit bureaus, falsely verifying the account. 

XXXX. Regarding XXXX XXXX XXXX XXXX, the account opened on XX/XX/XXXXXXXX  with a balance of {$8700.00} ( account number : XXXX ). I contacted the creditor regarding the fraudulent account, and while they acknowledged it as fraud and promised to report it to the credit bureaus, they did not follow through. They also inaccurately verified the account to the credit bureaus. 

XXXX. For XXXX XXXX XXXXXXXX XXXX XXXX the account was opened on XX/XX/XXXX with a balance of {$670.00} ( account number : XXXX ). Upon notifying the creditor of the fraudulent account, they assured me that they would report it to the credit bureaus but did not do so. Instead, they provided false information to the credit bureaus, incorrectly verifying the account. 

XXXX. In the case of XXXX XXXX XXXX XXXX, the account opened on XX/XX/XXXX with a balance of {$730.00} ( account number : XXXX ). After informing the creditor about the fraudulent account, they pledged to report it to the credit bureaus, which they failed to do. They also supplied inaccurate information to the credit bureaus, falsely verifying the account. 

XXXX. Finally, with XXXX XXXX , the account was opened on XX/XX/XXXX with a balance of {$4900.00} ( account number : XXXX ). I contacted the creditor about the fraudulent account, and despite their promise to report it to the credit bureaus, they did not. Furthermore, they submitted incorrect information to the credit bureaus, falsely verifying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Someone else tried to get a card through citibank. This alerted and gave an inquiry on my credit report. I would like it 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 2023-11-01 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: NC

Complaint narrative:
i request these inquiries are deleted on my credit report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Tuesday, XX/XX/2023, I called Bank of America to inquire about a financial hardship for my car loan ( {$680.00} ) for the month of XXXX. The account is up-to-date with payments, which means I make my monthly payments on time. I sometimes pay more than what's required. I was denied a financial hardship or payment deferment. On Wednesday, XX/XX/2023, I called Bank of America to find out the reason for the denial. I was told that " a system '' generates the approval or denial. It appeared that Bank of America 's representative could not affirmatively give me a legitimate reason why I was denied a payment deferment. I am never late on my car payment and I have had the loan for over a 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 2023-11-01 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: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
In XXXXXXXX XXXX XXXX  I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. 

Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for XXXX years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX  XXXX XXXX  summary which I have highlighted the two accounts in question, one with Calvalry Portfolio Services, the other with XXXX XXXX, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I went to key bank on XXXX XXXX XXXX XXXX  in XXXX I was greeted by a teller name XXXX XXXX who told me I can not deposit this check in my account its a XXXXXXXX XXXX XXXX check address to me and the auto body shop which the auto body shop signed and stamped the check and endorsed it to me so she threaten me talking about she will call FDIC I told her go ahead its a legit check. So I left the bank and went to another branch XXXX XXXX and XXXX XXXX  away and deposit the check with no problem on XXXX XXXX half of the check cleared i went back down to the XXXX XXXX branch and tryed to with draw the fund and I was greeted with the same lady XXXX who told me I can not take the money out my account I so then proceeded to call customer service who told me the funds are available for me to withdraw I told her the lady at the branch does not want to give me my funds so I went to another branch once again in new XXXX who gave me the funds with no problem and told me the remaining of the check will not clear til XX/XX/XXXX I said okay. I proceeded a payment to my XXXX  XXXXXXXX XXXX XXXX  with my money that I had left in my account that was available which was XXXX after my withdraw of XXXX. The money was taken out my account on XX/XX/XXXX some how the teller XXXX cancel my XXXX  XXXX payment the money was put bank into my bank account and she flagged my account and its restricted. Now I contacted XXXX XXXX and told them that my account is restricted with the fund in it to pay the auto body shop XXXX XXXX claims her name is XXXX was on the line with me when we called the bank together they told her they dont want to hear what she has to say and hung up on us so XXXX XXXX agent forward me documents supporting the check so I can take to the bank I went to the bank on XXXX XXXX a notarized affidavit that the bank has gave me with all the documents that verify the check from XXXX XXXX that agent XXXX gave me. My account is still restricted and they dont want to give me my funds which are available now and saying it under investigation what are u investigating when XXXX XXXX submitted proof of the check and its showing cashed on XXXX XXXX end and hall are hood the fund in my restricted account.the form I showed her is not irises when I returned it back to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I purchased {$25.00} American express prepaid card, but got declined in four or five online payment. Call the American express XXXX ( XXXX ) XXXX to ask why. The CSR said that the card is valid on their ends and can see the transaction got declined. No solution was offered to remedy issue. The CSR only suggestion is to tell me to use in different vendors but I run out of vendors to use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
i had XXXX loan with XXXX, they had loan for XXXX & XX/XX/2023 ', my payments were [ interest only ] {$430.00} a month for first year i applied for auto w/d, have email from XXXX was XXXX, next i get letter saying they XXXX sold my loan to SPECIALIZED LOAN SERVICING on XX/XX/XXXX. i called SLS to set up auto w/d with them, told loan from XXXX not there yet but i was to get welcome package from SLS with new loan # etc, i then could set up auto w/d. nothing from either XXXX or SLS until XXXX XXXX from SLS saying got loan from XXXX & it's in DEFAULT!! augnor XXXX payments were made!! i called them to explain i had auto w/d with XXXX but deaf ears!! called XXXX to find out why payments were not made, NOTHING!! so in reality for sake of argument, XXXX & XXXX would be {$870.00} + what late fees would be but SLS charged me {$2700.00} + {$430.00} = {$3200.00}!! i asked WHY & FOR WHAT?!!??! nothing!!!!!!! XXXX sent copies of notices for payments in mail but AGAIN, NEVER GOT ANYTHING IN MAIL FROM EITHER XXXX OR SLS!!!!!!!!!!! so would like answer as to why & what the outrageous charges were for!!!!!!!!!!

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is reporting a date of first deliquescency as XX/XX/XXXX but is also reporting the same date as paid. Factually it can't be both and they refuse to fix it. They have verified the inaccurate information over and over. I have contacted the creditor and they said EQUIFAX is reporting the information wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Reported XXXX inquiries not made by me XXXX XXXX XXXX XXXX XXXX They are not tied to any cards of mine I tried to dispute on all three bureaus Also was part of a breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Conn's, Inc.
State: TX

Complaint narrative:
Wrongful amount owed Settlement was offered and paid. 
Still contacting me saying I didn't pay I don't owe no {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Possible addresses that are affiliated with me listed above. 
Possible names that are on my credit report that has no affiliations with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the accounts that are not to be listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00}, {$1700.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Possible addresses that are affiliated with me listed above. 
Possible names that are on my credit report that has no affiliations with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the accounts that are not to be listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$1600.00}, {$1700.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: IL

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. XXXX, XXXX, and Equifax assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my

consumer report. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/ Dear Sir/Madam, I am writing to dispute the accuracy of certain collection accounts on my credit report, which I believe are the result of fraudulent activities. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to challenge any information on my credit report that I believe is inaccurate or unlawfully reported. 

Upon reviewing my credit report, I have identified the following accounts that are the result of fraudulent activities and are not my financial obligations : XXXX XXXX XXXX Opened XXXX - {$550.00} XXXX XXXX XXXX Opened XXXX - {$600.00} XXXX XXXX XXXX XXXX Opened XXXX - {$830.00} XXXX XXXX XXXX XXXX Opened XXXX - {$890.00} XXXX XXXX XXXX XXXX Opened XXXX - {$930.00} XXXX XXXX XXXX Opened XXXX - {$930.00} I request that you conduct a thorough investigation into the origin and legitimacy of these accounts and immediately remove them from my credit report. I have already reported these fraudulent activities to the appropriate law enforcement agencies and the Federal Trade Commission ( FTC ) for further investigation.

Please provide written confirmation of the removal of these fraudulent accounts from my credit report and notify the respective creditors and collection agencies about the fraudulent nature of these accounts.

I appreciate your urgent attention to this matter and expect a prompt resolution in compliance with the law. Kindly inform me of the results of your investigation within the timeline specified by the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXXXXXX  I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief