vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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 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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 seven 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 2024-04-15 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: WV

Complaint narrative:
I was reading my report on XX/XX/24 and saw a few inquires that weren't made by me I tried reaching out to all credit reporting agencies and even put in a complaint with ftc. 
INQUIRES XXXX, XXXX XXXX XXXX I also realized that the credit reporting agencies were reporting incorrect outdated information as well the only address ive been residing in the past 2 years has been XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
I have sent numerous emails to United Wholesale Mortgage demanding that the claim be finalized. My Attorney has also sent numerous emails requesting the same. I have been waiting for the claim to be finalized since XXXX. I have had XXXX XXXX. My credit is now damaged due to the delay of processing the claim. Now United Wholesale Mortgage has decided to not move forward with the claim. My credit score dropped from XXXX to XXXX. Now I'm not able to purchase a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NV

Complaint narrative:
I have sent numerous emails to XXXX XXXX XXXX  demanding that the claim be finalized. My Attorney has also sent numerous emails requesting the same. I have been waiting for the claim to be finalized since XXXX. I have had XXXX forbearances. My credit is now damaged due to the delay of processing the claim. Now XXXX XXXX XXXX  has decided to not move forward with the claim. My credit score dropped from XXXX to XXXX. Now I'm not able to purchase a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2024, I sent an adverse action letter certified mail to AMERICAN EXPRESS BANK, they received it on XX/XX/2024 & I got the return receipt on XX/XX/2024. I then recieved a response, dated XX/XX/2024 further denying my request and they have misused my credit. I informed them that I, the consumer & natural person, was denied credit by AMERICAN EXPRESS NATIONALBANK when I applied for the Platinum Card. 

Adverse action against the consumer is AGAINST the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c & is pursuant to civil liability under 15 U.S.C 1692k You are subject to criminal liabilityfor violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS NATIONAL BANK due to the response I received. AMERICAN EXPRESS NATIONAL BANK is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used & I received NO benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XXXX, I opened an account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my now deceased mother. There is currently approximately {$2300.00} in this account. Since I live in XXXX and no longer need the account, I would like to close this account and transfer the funds to my XXXX bank account. 

Since XX/XX/XXXX, I have repeatedly contacted chase bank in various ways ( telephone, letters, online banking, XXXX XXXX ) to arrange for the closure of my account. Unfortunately, I have not yet received a satisfactory response. My online access has been repeatedly blocked due to unusual activity and a phone reactivation was denied for security reasons. As I am residing in XXXX, I can not come to the branch in person. But I asked my sister in-law who resides in XXXX to inquire at the chase bank in person to inquire about closing the account - all to no avail. 

In my last letter of XX/XX/XXXX I once again requested to close the account and transfer the balance to my XXXX bank account. I wrote that I would wait until XX/XX/XXXX before I contact a consumer protection agency or get other help. 

Still there has been no response. Therefore I need your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NY

Complaint narrative:
This is my 4th dispute with this creditor. 

I have called them multiple times asking them to remove XXXX my old XXXX XXXX provider from my credit report as my XXXX XXXX  provider is XXXX as of XX/XX/2023. I have provided Experian the letter that XXXX mailed me proving that my XXXX XXXX have been transferred. I have provided images also providing that my XXXX XXXX have been transferred from XXXX to XXXX. 

I have called Experian asking them to get on the phone with me and have a 3 way call with XXXX to confirm that XXXX is no longer my XXXX XXXX provider and I have a {$0.00} balance with XXXX and every time, Experian says they do not have anyone available to do the phone call with me but they will have a supervisor call me back and they have continuously failed to call me back and join a 3 way phone call with me, Experian, and XXXX. 

I have a {$0.00} XXXX XXXX balance with XXXX. XXXX has updated my XXXX XXXX balance to ONLY show XXXX. I do not understand how Experian can not explicitly see that I have a {$0.00} XXXX XXXX  balance with XXXX and that XXXX is my ONLY 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 explanation
Consumer complaint received 2024-04-15 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: AL

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.

has violated my rights. Or a list of inquiries : 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 seven 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 2024-04-15 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

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 2024-04-15 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

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 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
My Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) sent to checks since XX/XX/2024 to pay off the credit cards Sephora and Breadcashback from Comenity Capital Bank. They took a month to sent the payments back alleging wrong address. They sent it again and a month to sent them back alleging they need the 16 account numbers and not the last four. In the meantime they are writing to credit bureau affecting my credit score as not payment and adding more interest and late fees to the previous balance. Phone calls and message every 15 minutes threatened me with attorney, giving me different versions of the situation to me and my banker. At this moment I don't know where my money is because is not credited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased the card on XX/XX/12 at a XXXX XXXX XXXX. Today I tried to use the card. It shows a transaction pending that it will not let me dispute. I did not authorize this transaction and I hold the card. Vanilla will not let me dispute and says no pending transaction when there is one listed at XXXX XXXX XXXX for {$110.00}. The card had {$120.00} on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CT

Complaint narrative:
XXXX XXXX  has put a charge off amount for {$350.00} dollars on my credit report They said it was a charge of from XXXX XXXX XXXX  from XXXX. I never had a acct with XXXX  XXXX ever since XXXX. That acct was opened fraudulently. I ask them to provide 4 things 1 # The original contract from the original creditor with a wet signature 2 # The original creditor information 3 # A copy of all transaction from the original creditor 4 # A sign letter of permission from myself to the creditor to release and or sale my information to a XXXX party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX XXXX has put a charge off amount for {$350.00} XXXX  on my credit report They said it was a charge of from capital one bank from XXXX. I never had a acct with capitol one ever since XXXX. That acct was opened fraudulently. I ask them to provide 4 things XXXX # The original contract from the original creditor with a wet signature 2 # The original creditor information 3 # A copy of all transaction from the original creditor 4 # A sign letter of permission from myself to the creditor to release and or sale my information to a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Here 's a quick summary of what I can remember. 
My bank account paid Axos twice on XXXX XXXX. I requested a refund of one payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to Axos to tell them my bank already did an ACH reversal and so we should be ok now. The Axos ' representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX and XXXX payments. I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX 's to low XXXX 's on 2 of my reports. I tried talking to the supervisor on the phone several times with no luck.

They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: DISCOVER BANK
State: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
I attended the school for 3 weeks never received a certificate nor any knowledge. It was overpriced and I withdrawn from the school due to lack of education. I was told that I would not be charged and a year later I was called and charged a year later. I asked for documents supporting this charge and never received nothing. I went to the school and they said nothing could be done. I told them and the financial department i will not pay for something i didn't received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
FCRA 605B mandates the elimination of incorrect accounts from my credit report. Could you verify the documents, as some of the listed accounts contain inaccuracies in their reporting? Swift removal of these accounts is necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told by XXXX XXXX that it was removed but it still on my credit report Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I spoke with Bank of America and they said it's not showing anything on there end

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