vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: MD

Complaint narrative:
I do not recognize these inquiries and accounts and I asked for them to be removed and the credit bureaus didn't do ask i asked. I'm attaching a copy of the ftc report that i filed

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 2024-04-30 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: OR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account : XXXX XXXX XXXX Account # 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account : XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : Account name XXXX  XXXX XXXX Account number 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 2024-04-30 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: PA

Complaint narrative:
I believe that according to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you verify the documents? Several of the mentioned accounts are incorrect in terms of reporting, with inaccurate amounts and dates.

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 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC
State: GA

Complaint narrative:
Constantly calling me and my job Harassing me for payments for loan Violating the fair credit debt collection act And my privacy by telling my co workers My problems and non.stop calling my family in search of payments Totally Harassing me and I can prove on my.call logs over 50 calls less then a 30 day period unprofessional and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AmeriCash Holding LLC
State: NC

Complaint narrative:
I received a text message from Americash loan saying new information about my account. I submitted a complaint in the past and now I found out they lied to Consumer Financial Protection agency. The Representee says you are {$150.00} dollars past due. Because I missed a payment in XXXX. Well, I go back into the account they have got me owing another 6 months of payments after having my last payment due on XX/XX/year> now they added another 6 freaking months on money when I borrowed only XXXX. If I'm past due, why am I paying almost on another loan, almost XXXX dollars. I asked this company to read the reviews. This is a rip off company who thrives on people who are struggling. I want a settlement on this account and never to look at them again. I'm not only dang struggling financially, but I am also struggling with trying not to lose one of my eyesighXXXX XXXX XXXX XXXX With XXXX XXXX. I will next call XXXX XXXX after this complaint. Who does this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
On XX/XX/24 I opened a checking account and a savings account at Sofi bank. I deposited {$100.00} into the checking. I set up direct deposit from my employer ( Department of Homeland Security ) of {$500.00} every 2 weeks into savings. The first deposit was deposited on XX/XX/24. On XX/XX/24 I was on my way to work at about XXXX XXXX  and got a text saying " here is your pass code '' from Sofi. I was not trying to log in so I pulled over and called Sofi and said I was not requesting a passcode and I think I'm being hacked. They asked me for the last 4 of my social security number so I thought they were not legit and said no thanks and hung up. I got to work and the first chance I got, about XXXX, I looked up the phone number to make sure it was legit. I called them back and explained the situation. They told me there was a {$600.00} transfer made to a " XXXX ''. I told them I did not make it and to stop the transaction. I was told they could not and I will have to wait for the transaction to go thru and call back to dispute it. They said I needed to change my password and then try back tomorrow and see if the transfer went thru. If it did I could file a dispute. I changed my password and waited for it to go thru. I then filled the dispute. Which they denied. I then filed a complaint with the XXXX. They again denied it. I disputed that and asked for the info they used to make this decision since I have no clue who " XXXX '' is and I did not make this transfer. I am attaching the responses. They don't tell me anything except what I was told on the phone... .His name is XXXX XXXX it was on XX/XX/24 and was for {$600.00}. How does that prove it was me?! I disputed that also and got the same response. I gave them my money to take care of and they let some one take it. If I can not trust a bank to keep my money safe, where am I to put it?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CITIBANK, N.A.
State: VA

Complaint narrative:
According to the XXXX an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

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 2024-04-30 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:
The following inquiries were done without my knowledge or consent, they are as follows : ( THE FOLLOWING INQUIRIES ARE FOR TRANSUNION ) XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/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 2024-04-30 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : Account name XXXX XXXXXXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I requested to close my Truist credit card on XX/XX/XXXX. Recently, while I was checking my Truist online account, I noticed fraudulent charges of approximately {$50.00}, and the credit card was still listed as active. I was charged a late fee for payment as well, of {$20.00}. I immediately called and reported the fraudulent charges to Truist on XX/XX/XXXX. On XX/XX/XXXX, I received a call from Truist 's collections department asking when I would pay the {$70.00} due on my account. I informed the gentleman that there were fraudulent charges, and he said, " Oh, we wouldn't know about that. '' He said he would note it, and we hung up. Today, XX/XX/XXXX, only a week later, I received another call from collections asking me again when I would pay the {$70.00}. I said the same thing, that these charges were reported to the fraudulent department, and she said, " Oh, we wouldn't know about that, '' and " You should call the fraud department and see what the status is. '' Why aren't Truist 's departments talking to each other, and why am I being XXXX by collections?

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 2024-04-30 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
A hard inquiry was added to my credit report on or about XX/XX/2024 from a bank in which I did not apply for. The telephone number attached to that inquiry has been disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
Please eliminate these inquiries. I have no knowledge about them, and the company conducted them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
Kindly delete these inquiries. I have no information about them, and the company carried them out without my permission.

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I have had an account with Bank of America since XXXX. After I filed my tax return with XXXX and paid the required federal tax payment to the XXXX through my Bank of America account, I had 3 consecutive fraudulent charges on my Bank of America account on XX/XX/XXXX, for {$100000.00}, then {$60000.00}, then {$25000.00}. Since my account had less than {$60000.00} in it, the only charge that went through was for {$25000.00}. Throughout this time, Bank of America did not notify me once, not for the fact that my account was severely overdrawn, not that these payments were happening, nothing. I contacted Bank of America XXXX ( XX/XX/XXXX ) and was told that it would take XXXXORTY-FIVE days to resolve and decide if this was fraud and that they couldn't do anything on my account in the meantime and also would not send me a message regarding that our conversation had even taken place. I find this ludicrous and 45 days is simply insufficient for regular bill payment to take place. I am very dissatisfied with how Bank of America has handled this.

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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Two accounts appeared on my credit report indicating two loans had been taken the first one on XX/XX/2022 for {$730.00} and another on XX/XX/2022 for {$850.00} from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX those accounts went into collection and now have been charged off causing my credit score to drop drastically. I have disputed these transactions twice with Transunion as being fraudulent and both times their investigation was reported as accurate. How can that be possible when i have never heard of this company nor have i been to XXXXXXXX XXXX Nor have i ever applied in person or online for any loans from this company nor have i authorized or cosigned for anyone to get these loans. The only loans i have or have applied for in the last 3 years is a XXXX and a XXXX XXXX if you look at my credit report you will see that i pay all my creditors on time. It appears that who ever acquired these loans made a payment or payments because the original amount was {$730.00} but the charged off amount was {$510.00} where as on the other loan the original amount was {$800.00} but was charged off as {$850.00}.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY BANK/EXPRESS is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer. XXXX XXXX. XXXX ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank has been holding my money since XX/XX/year>, i have a letter from your corporate office stating the funds would be here tomorrow XX/XX/year>, if I dont receive my money I will file suit, call the news and have you guys all over social media by end of week! 

I have several XXXX from the XXXX plus phone calls Ive made saying the funds are approved for release but waiting on back office that no one can talk to. Have documentation stating money is approved and on its way but receive different stores every time I call. Also filed a XXXX report against chase bank in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''. 

I dont own a XXXX  card nor do I work with LVNV funding or Resurgent I have not given any signatures or agreed verbally to do any business with any of these companies.

Company response to consumer: Closed with explanation