vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im filing this complaint against experian ti remove and delete XXXX XXXX, this account is fraudulent, im attaching a police report and a copy of a ftc identity theft report to this complaint, im tired of experian ignoring my complaint and has not responded by taking this account off my credit report I will use this opportunity to sue experian is this account after providing a police report that I have filed showing Im a victim of identity fraud, because my information was leaked on the dark web by XXXX XXXX and my information was compromised, this has been failure and I have hired a lawyer if this complaint and my request are ignored this lawyer will file a law suite against XXXX XXXX and experian, experian has failed even through the pandemic my complaints was not taking serious and my rights under the fair credit reporting act were violated, I will use this complaint in my law suite to file against experian if this complaint goes in noticed and does not fix this issue, I have tried to work many of times and now Im not sitting back and letting experian protect XXXX XXXX anymore, they have committed fraud by using my information illegally to obtain this account in my name and has refused to take off my credit, that account is paid in full, but it is not my account now take this account off my credit and block it, my last request and CFPB, experian needs to be investigated for ignoring consumers that provide substantial evidence of identity theft as I have many of times and I have turn over the amount of evidence and times I have reported this to the CFPB XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I have notified attorney to enforce my rights, this lawyer will file suite if my complaint goes unnoticed or is not taking serious, Including XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please delete these accounts also they were open fraudulently in my name take this complaint very serious as my rights have been violated and this has caused serious damage to my credit.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I called American Express last week ( XX/XX/XXXX ) to request a credit limit increase, and asked if my interest rate could be lowered. The agent on the phone told me to give him a couple of days. This past Wednesday ( XX/XX/XXXX ) I went to book a flight with American Express Travel, the agent got it set up, and then we hung up. Hours later I get this email, and American Express tried to call me ( but I was driving and did not answer ) to let me know that my card was declined. I pulled over and called them back, and kept being tossed around the world. I was on hold for over 20 minutes. Someone finally picked up the phone and told me my card was suspended for three days while they do a credit check. The agent also said, " we sent you an email. '' I get 100 emails a day between personal and work! Why not pick up the phone! At the time I was making the reservation the travel agent did not try to charge my card while I was on the phone, and did not inform me that my card was suspended for three days. This really interfered and impacted my life, because I have a mobility impairment. I was trying to get the best seat so that my XXXX could be secured, and I was going to be safe. I have been a loyal customer for 15 years, and they go and do this to me? These companies do not need to send the work to other countries, because they do not understand some Americans accents, and some do not understand the meaning of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have filed numerous disputes with Transunion regarding 2 bankruptcies that are being reported fraudulently I have filed FTC reports for Identity theft, I have reached out to XXXX XXXX & Pacer. XXXX XXXX has removed the information & files dispute with XXXX reporting agency. You can not keep reporting fraudulently information that has been deemed fraud by identity theft. My ss #, name, was stolen & used. By the FCRA it has to moved 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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Relative to complaint # XXXX SUBMITTED ON XX/XX/2023 Relating to Bank of America sending my monies to an erroneous address on my Checking account. 
I have receive my XXXX monies in XXXX but Babk of America has not addressed the lack of security nor the late fees I was charged for rent subsequent to the administrative error on behalf of Bank of America. The bank error cost me financial damages which I addresssed in my initial complaint. But due to the BoA error. I was charged an additional {$270.00} per month in late fees because of the retention and mishandling of my wages. My expectation is that I be compensated for the late fees incurred from Bank of Americas negligence. For the months of XXXX, XXXX, XXXX and XXXX, I would like those monies reimbursed for the bank error in addition to my withheld funds. If my monies were sent to me at the proper mailing address, I would not have incurred the late fees.

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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Northern Trust Company, The

Complaint narrative:
I have opened an International Bank account with " Northern Trust Financial Private Bank, Branch in India ( Account No. XXXX ) as I needed to receive funds from a USA based Company against the products supplied by me/my company. 
It was fine I have opened the bank account and thereafter the Bank insisted me to pay the following fee, towards transfer of funds from the account to my local bank in India : - i ) For opening the Bank account I paid $ XXXX XXXX ) For want of RTN Code I paid XXXX XXXX XXXX  ) for want of Conversion I paid XXXX XXXXXXXX TOTAL I paid $ XXXX XXXX paid all the amount {$18000.00} equal to Indian Rupees XXXX LAKHS XXXX XXXX XXXX only to have access to transfer the funds from my this account to the local bank account in India. But now again I have been asked by the Bank to pay a fee of {$3500.00} so that I will be provided with COT Code to transfer funds. 
As it can be seen above, I have already spent around XXXX LAKHS only for the sake of getting permissions to transfer my funds to my own account in India and NOW I DO NOT HAVE MONEY TO PAY {$3500.00} for the same purpose for which I already have paid almost XXXX LAKH INDIAN RUPEES. 
Hence, having sufficient balance in my newly opened International Bank account, as sole owner of the Bank account XXXX in the International Bank , I authorized the Bank to deduct the Local Bank Transfer Charges of {$3500.00} from my bank account and I requested them to provide me the COT Code so that I can make Local bank Transfer. 
But the Bank did not allow me and they are repeatedly insisting me to deposit {$3500.00} to get the COT Code, whereas I am expressing to them my inability to arrange the amount as I have already expended XXXX LAKH RUPEES and also I kept submitting that I have sufficient balance in the said International Bank account.

Till date i.e even after elapse of more than one month from the date of opening the account I have not been provided access to my own account and they are every time asking me to deposit huge amounts to get an access to my own account. So far I have for this purpose paid to the bank {$18000.00} USD equal to Indian Rupees XXXX  Lakhs and even then the Bank is not satisfied and still they are demanding for more money to be paid to allow me to access my own account. 
I have also requested the same through emails to the Bank for help but they are not responding. 
Please enquire into this and do the justice to me whether this much amount shall be the charge that any bank impose on any customer to get access to own accounts. 
Thanks and regards

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My identity has been used Ive filed a ftc report and mailed it to the credit beuras but no action has been taken this is affecting me from establishing positive credit I want to buy a home in the future please remove this fraudulent account from my credit report the name of the account is called 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 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: IA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation