vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS WERE ERASED FROM MY CREDIT PROFILE FROM XXXX AND XXXX SEVERAL MONTHS AGO BECAUSE OF AN ACCOUNT THAT I DO NOT HAVE WITH THEM. AND THEY NEVER ONCE PLACED ANYTHING ON MY XXXX ACCOUNT NOW ON XXXX OF THIS YEAR THEY JUST PLACED A COLLECTIONS ACCOUNT FOR {$550.00} ON MY XXXX ACCOUNT WHICH IS ILLEGAL AND UNETHICAL. BECAUSE THEY KNEW THAT THEY COUD N'T PROVIDE ANY DOCUMENTATION THAT I HAD ANY ACCOUNTS WITH THEM. I WANT THEM TO IMMEDIATELY DELETE THIS NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On Saturday, my Discover card was scammed and there were charges made to XXXX and XXXX. My XXXX XXXX  cards were also scammed. I called all three credit card companies immediately and the XXXX cards took the transactions off but the Discover card did not. They told me the charges were legitimate, They were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-14 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: TX

Complaint narrative:
I recently called TransUnion ( XX/XX/2023 @ XXXX XXXX ) I was transfered several times before talking to someone in another country and informed then that I vied a current Credit File and noticed several inquiries on my report that I did not authorize and would like to speak to someone to have them investigated and or removed. Again, after speaking to 3 people and an hour later I was still told they " We not investigate Hard Inquiries as they are a statement of fact, and that I would need to reach out to the one that expended credit or to whom I've applied '' I went on to tell them that this was not me and the said creditor verified this with me. Still after several conversations with them they still denied my right to investigate and remove these inquiries from my file. 

Also, while requesting ALL 3 Credit Bureaus to reinvestigate fraudulent reporting I am constantly told that " this item ( s ) has already been investigate and remains unchanged or that I am not able to reinvestigate an item that meets FTC requirements. I then ask for their ( Credit Bureaus XXXX TransUnion, XXXX & XXXX ) means of verification or validation and I am told the said creditor or court verified. They fail to send and show me their steps in validating any debt reporting to my bureaus and are constantly reporting items in which I have given NO permission to report. 

It is an FTC requirement that all items I request to be investigated should be investigated and proof of investigation should be supplied to me upon request. If I am not getting these when requested how are the Bureaus? 

I would like some resolution to this matter ASAP! I have also files a formal complaint with thee FTC with regards to these matters and will not stop until these items ( hard inquiries and accounts are removed from my personal credit file with all XXXX Bureaus )

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  administered by XXXX XXXX filed a 30 day late payment with m y three bureaus. It dropped my XXXX XXXX by XXXX points in one day and caused one credit card called XXXX to close my account when they inquired. I lost a line of credit. I called them and told them I had all the statements and checks where I had paid them for the past two years and I even sometimes paid them twice in one month. They told me they would write to the three bureaus and fix the erroneous information and they believed the error happend due to a system upgrade last year. They wrote to XXXX which updated the card to XXXX balance and removed the XXXX late payment ( fraudulent info ) but Experian and XXXX still show this info and I have filed multiple disputes with both. I can not get them to remove it. I am so upset with this as I will never do business again with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-14 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-14 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: LEXISNEXIS
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: MS

Complaint narrative:
XXXXXXXX XXXX XXXX continue to report inconsistent, inaccurate and incomplete account information to my credit report even after i detailed the specific details of the errors in the reported account. EXPERIAN Continue to verify this reported account information as accurate and complete but the reported account information is not complete nor accurate. Experian fail to investigate XXXX XXXX  XXXX  even after i requested the do so. I sent to Experian the details of what im disputing yet to act, they only report back account information is verified by the furnisher XXXXXXXX XXXX XXXX  and refused to delete the inaccurate and incomplete account information reported. The conclusion dated before XX/XX/2023 yet to fix nor delete the inaccurate and incomplete account information nor delete the entire account as requested. I ask Experian to re-investigate the XXXXXXXX XXXX XXXX account reported information.

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 2023-07-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX WERE ERASED FROM MY CREDIT PROFILE FROM XXXX AND XXXX SEVERAL MONTHS AGO BECAUSE OF AN ACCOUNT THAT I DO NOT HAVE WITH THEM. AND THEY NEVER ONCE PLACED ANYTHING ON MY EQUIFAX ACCOUNT NOW ON XXXX OF THIS YEAR THEY JUST PLACED A COLLECTIONS ACCOUNT FOR {$550.00} ON MY EQUIFAX ACCOUNT WHICH IS ILLEGAL AND UNETHICAL. BECAUSE THEY KNEW THAT THEY COUD N'T PROVIDE ANY DOCUMENTATION THAT I HAD ANY ACCOUNTS WITH THEM. I WANT THEM TO IMMEDIATELY DELETE THIS NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
notice to principle notice to principle is notice to agent the XXXX Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
notice to principle notice to principle is notice to agent the XXXX XXXX XXXX aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( XXXX ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check through Bank of Americas app for {$3000.00} at XXXX on Tuesday XXXX. Once I submitted the deposit, it told me that funds will be available on XXXX the next business day and anything that posted overnight will be covered. They credited my account, however, they took all the money back for the deposit on XXXX, so I have a transaction from the bank deducting {$3000.00} from my account, also giving it a new post date of XXXX XXXX. The check I deposited was written from prosperity bank, and a family member had written the check to me and the funds cleared their account the day I put it in XXXX. I had made my rent payment on the XXXX, and now my rent payment has bounced, and my landlord is threatening eviction, plus a {$15.00} per day late fee. I cant do anything, my account is overdrawn {$3000.00} now even if someone were to learn my money, the account is so far negative nothing will help this is absolutely wrong. I know theyre holding the money to collect interest on it to help their market shares, rebound, extremely misleading, and I took screenshots of what it stated under the deposit that I made on the mobile app saying that would it be available on XX/XX/12. I understand larger checks only releasing a certain portion, but the account holder who wrote me the check, their account was in good standing, and their bank paid Bank of America for the check the very next day why dont I have access to these funds? Is Bank of America going to pay for me to move if I get evicted or are they going to pay the late fees per day that I have to pay because my little rent is late? Ive called multiple times and they say theres nothing they can do at all theyliterally my hands are tied. I have no money for anything, and since Bank of America does not do overdraft fees, I have no money for even food or water. Seriously, this is not OK. The money has already been paid to the bank. I dont get why they will not release it to me into my 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 explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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:
RECENTLY CHECKED MY CREDIT, NOTICED UNUSUAL HARD INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On two different occasions in 2023 ( so far ), two different Bank of America bank accounts were opened in my name. Even though I don't do business with BoA, I've received 2 debit cards with my name on them - one in XXXX, and one in XXXX - both of them linked to accounts I never opened. After I received the first one, I contacted the Bank of America fraud department to report it. They closed the account and canceled the debit card linked to it. Luckily, there hadn't been any activity linked to the account. I figured my identity had been stolen, so I reported the incident to the police and I contacted the 3 major credit bureaus to get credit alerts and credit freezes. I thought this took care of the problem- and then it happened again two months later. Same situation, just with a different bank account number and debit card number than the first time around. I had to go through the reporting process all over again and the stress of wondering who has been using my information and social security number to open bogus accounts in my name. Yesterday, I heard the news about Bank of America being fined for defrauding customers. Now I am wondering if it was a BoA bank employee who did this to me and not some random creep searching through my garbage.

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 2023-07-14 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: MI

Complaint narrative:
My credit card with XXXX XXXX  XXXX was set on auto pay and I never received any notice from XXXX XXXX  XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.

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 2023-07-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit card with XXXX XXXX XXXX was set on auto pay and I never received any notice from XXXX XXXX XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.

Company response to consumer: Closed with non-monetary relief