vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.

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 2024-05-15 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: TX

Complaint narrative:
After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.

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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. on Transunion its reporting a late payment of 30 days on XX/XX/XXXX and on XXXX it is reporting a late payment of 60 days on XX/XX/XXXX. On transunion its reporting a 30 day late payment on XX/XX/XXXX and on transunion a 60 day late payment, a 30 day late on XX/XX/XXXX on transunion and a 60 day late payment on XX/XX/XXXX. Transunion is reporting a 30 day late payment on XX/XX/XXXX and a 60 day late payment on XX/XX/XXXX, and a 60 day late payment on XX/XX/XXXX 90 day late payment on XX/XX/XXXX, a 120 day late on months XXXX, XX/XX/XXXX. on XXXX its reporting a late payment of 60 days on XX/XX/XXXX and on XXXX it is reporting a late payment of 60 days on XX/XX/XXXX. On XXXX its reporting a 60 day late payment on XX/XX/XXXX and on transunion a 60 day late payment, a 60 day late on XX/XX/XXXX on transunion and a 60 day late payment on XX/XX/XXXX. XXXX is reporting a 60 day late payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX, and a 90 day late payment on XX/XX/XXXX 120 day late payment on XX/XX/XXXX, a 120 day late on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no late payment reported on the XXXX credit report. on the Transunion credit report its reporting on time for the month of XXXX with no late but on XXXX its reporting as a 30 day late. on transunion its reporting XX/XX/XXXX as a 30 day late, and a 60 day late on XX/XX/XXXX, and a 60 day late on XX/XX/XXXX yet on equifax its reporting XX/XX/XXXX as a 60 day late and XX/XX/XXXX as a 120 day late, and XX/XX/XXXX as a 120 day late. This late payment is recorded from credit report pulled on XX/XX/XXXX transunion and XXXX. ( see attached credit reports to this complaint ) XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Examples : XXXX I did not authorize this inquiry Company Information : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XXXX Company Information : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX Information XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. The following inquiry is more than XXXX years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. Please note that you have XXXX days to complete this investigation. 
XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXs XXXX XXXX XXXX XXXX, FL, 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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognized inquiry from 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 2024-05-15 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: FL

Complaint narrative:
I do not recognized inquiry from 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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked yall back in XXXX to remove this account. I have sent the dispute letters and court documents to you and the credit bureaus, from the court of law that States that this is a Error being reported on my credit report regarding, this company XXXX XXXX account # XXXX Im not responsible for this and it has been filed with a bankruptcy and has been dismissed in court and without prejudice. 
This account has been removed from the owner 's credit profiles. also needs to be deleted completely now!

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Woke up to an alert stating that my number was removed from XXXX. Saw that my checking account with my cash was closed then I called the bank the banker XXXX advised me after speaking with XXXX back office personnels the reason for the closure of my checking account is u known to them as there is no notes left to the reason of closure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
I am customer of Juno.finance with over XXXX in deposits. 

-On XX/XX/year> the company send a notice that the customers funds were moving from XXXX XXXX XXXX XXXX to a XXXX  XXXX XXXX Cash management account. 
https : //juno.finance/blog/important-changes-to-your-Juno-account -On the first week of XXXX there was a failure to purchase XXXX XXXX  as its currently under XXXX XXXX -Now, after the failed company purchase, customers from Juno.finance and other online banks in partnership with XXXX XXXX XXXX  have their accounts frozen to the sum of over XXXX XXXX dollars according with this financial report : XXXX XXXX XXXX -This deposit is FDIC insured, I require access to my money in a timely manner please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NV

Complaint narrative:
I am a concerned consumer and want to ensure that my accounts are being reported XXXX  % across the board to the credit reporting agencies. I am fearful this may not be the case and have not received this confirmation from this company yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
This is complaint is to remove this account listed below which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XX/XX/XXXXXX/XX/XXXXOriginal Creditor : XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX To Whom It May Concern : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Examples : XXXX I did not authorize this inquiry Company Information : XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX  XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. The following inquiry is more than XXXX years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. Please note that you have XXXX days to complete this investigation. 
XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: KY

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-15 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: TX

Complaint narrative:
After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was living with a roommate in XXXX, Im not exactly sure but the person I was living with got ahold of my Bank of America Debit card . The person attempted to deposit a check via ATM and I was alerted by BOA. I contacted Bank of America and attempted to inform them on this fraudulent inconvenience and they just went ahead and closed my account anyway.

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 2024-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several discrepancies from all three credit bureaus in correlation with my Flagship Credit Acceptance installment account. 

Flagship Credit reports to XXXX and XXXX that my account status is open with an opening date of XX/XX/XXXX, a last reported date of XX/XX/XXXX, and a balance of {$25000.00}. 

However, Flagship Credit reports to XXXX that my account status is Closed with a close date of XX/XX/XXXX, a last reported date of XX/XX/XXXX, and a balance of {$0.00}. 

I have been making consistent payments with Flagship Credit since the installment opened, with the most recent payment being XX/XX/XXXX. I find the information unsettling as Flagship Credit is obligated to report complete, accurate, and up-to-date information per the FCRA. 

I am unsure why Flagship Credit would report to XXXX alone that my account is no longer open. I did not authorize the closing of an account, nor did I receive any information regarding my account being closed. All account numbers from credit bureaus are the same, so the reported data is inconsistent. 

I attempted to pull my payment history receipts from my Flagship account, but there were no downloads of the documents on the website. The only information is the past payment date, payment status, and amount towards the bottom of my account, but nothing tangible. After over a year of making on-time payments, The payment history on my credit reports stops reporting on XX/XX/XXXX. However, I have been making monthly payments, so why is Flagship Credit not reporting correctly? 

The numerous discrepancies described above are not only incomplete, inaccurate, and not current but overall neglectful. I can dispute incomplete or inaccurate information using my Fair Credit Reporting Act rights. The lack of correct information reported to the credit bureaus affects my credit score, which is unfair to me as a consumer. 

Ive called their customer service, but every time I get an answer, the person I need to speak to is always unavailable, or there is some other frivolous excuse for why I cant get the assistance I need and that I should try calling again.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a account with Wells Frago and I decided to deposit check of my wife to my account of bank and I did have a total of {$1000.00} and I never closed my account. They just notified me my account was closed and if in 30 days they did not receive any information of me than they would return the funds to the direct deposit company they did give me the check from. I have also tried to call customer services and they let me know they will be sending me a check with the amount to my mail box and I have not received anything as of now.

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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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