vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit score had been increasing over the year XXXX as I paid off credit cards and my line of equity. I worked very hard and at the XXXX all my credit cards were clear AND by XX/XX/XXXX I had paid off a line of equity. It was no small thing because I paid more than what was due. 
My score from the beginning of XXXX was XXXX, which is in the excellent range. I checked every month and would see it go up a XXXX or XXXX. 
I paid off my equity line in XXXX In XXXX, I saw that my credit score dropped from XXXX to XXXX, and then a month later to XXXX. I tried like mad to get in touch with XXXX, to no avail. 
The " information '' that was on my credit report was vague, it did NOT address why my score dropped. It would speak in generalities of why a score might drop, such as missing a payment which I ASSURE YOU WAS NOT THE CASE. i have been guarding my credit like mad these days as I hope to be able to buy a desperately needed newer car. 
In XXXX I went nuts trying to get any info from XXXX, as their writing was so general and none of the negative things they said applied to me. there was no hits on my credit report, I did not add to my debt in fact, it said i had a lot of credit and low use. I NEVER got any response from XXXX, not by email, not in writing, not by phone. I asked they please call me but these folks are living in the XXXX XXXX 
I inquired at my credit union about my score dropping and they wrote specifically how that would impact my loan should I apply. I would NOT get the best rate but the second best one. In this time of rising interest rates that can be a big difference in payments and paying back a car. Please will CFPB look at the two documents I hope I'll be able to upload which explains what they say about how the score change will impact me. I paid off my equity loan in XXXX, but the bank there increased my limit. I DID NOT ASK FOR THAT AND IN FACT DO NOT LET ANYONE LOOK AT MY CREDIT REPORT. BUT YOU CAN'T CONTROL THESE " SOFT '' REVIEWS AND IN FACT, THREE TIMES BEFORE MY CREDIT SCORE DROPPED IT WAS XXXX WHO LOOKED AT MY REPORT THREE THREE THREE TIMES IN ONE MONTH. WHAT IS THAT ALL ABOUT? I THINK THERE IS SHENANIGANS WITH XXXX, AND I BEG YOU PLEASE DO SOMETHING, DON'T JUST SAY OH WE'LL SEND THEM A COPY. THIS COMPANY IS BAD NEWS AND THEY DON'T PLAY BY THE RULES THEY JUST DO AS THEY PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: FL

Complaint narrative:
I have requested supporting documentation for 3 accounts marked as collections on my credit report. Each time the companies have responded as verified as accurate with no contracts and signature as proof and no method of verification provided. The most recent response from Transunion was marked verified as accurate and has different dates from the original verified as accurate response. XXXX also states the information is verified as accurate with completely different dates from the Transunion report and no supporting documentation. They should not be both reporting that the debt is accurate if the information presented does not match for both companies. 
The accounts could not be verified and I exercised my legal rights and requested they be removed to no avail. I have requested over 3 times that these accounts be deleted from the XXXX and Transunion reports due to erroneous reporting and avoidance of legal codes as required Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Dates of letters written to both Transunion and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 
I am a XXXX XXXX and have served my community during COVID pandemic and have been a XXXX XXXX for over 15 years ; my credit is suffering. I am suffering. I am limited to funding for my endeavors for my XXXX XXXX  due to this reporting.

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 2023-10-04 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: TX

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-04 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: NJ

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THESE INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HEARTLAND FINANCIAL USA, INC.
State: KS

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX, Kansas, during year of XXXX, I opened up XXXX account for new construction on my home. It was supposed to be locked in 4 % and at that time, I had a job and was in need of both checking and savings accounts. 

But after being unemployed, XX/XX/XXXX, and used up all money in my savings, I asked to close the XXXX account, no longer needed. I was refused, I was told that I must keep open for HELOC loan. 

Then I started seeing they were charging me monthly $ XXXX for savings account, whether I had money there or not. They never sent me a notice that this was going to happen. 

Also the HELOC account is not payable from my checking account. I must deposit in my savings account and they pull on XXXX every month, sometimes earlier without notice and makes me overdrawn, on dates they pull earlier. 

When I pay extra money towards my principal, they do not apply to my principal. They hold onto it as if I gave them FREE MONEY! I have asked them several times to apply to my PRINCIPAL! But the amounts still remain 2 years later NOT APPLIED! 

My HELOC loan was supposed to be locked in for 4 %, now this year XXXX, I have noticed it fluctuates with the higher interest rates of the government, especially since it was taken over by HTLF Bank! This was not my understanding at all, when I came into the bank in XXXX, It was supposed to be LOCKED IN 4 %. 

They refuse to send me statements, make me look online, sometimes, I have no internet to see online. This makes this very difficult to know when they make errors, changes to my account without my knowledge. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I always pay on time and never missed a payment.

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 2023-10-04 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: VA

Complaint narrative:
It does not belong to me. It is fraud! This is causing me a lot of stress and 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 2023-10-04 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: NY

Complaint narrative:
These accounts are not mine, I do not want them on my credit report, I need them to delete them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NY

Complaint narrative:
These accounts are not mine, I do not want them on my credit report, I need them to delete them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was the victim of a sophisticated scam while trying to purchase an antique car on the internet. On XX/XX/XXXX I authorized my investment manager, XXXX XXXX, to wire transfer {$9000.00} to the account designated by the scammers. The account information specified was as follows : Beneficiary/Account Holder : XXXX XXXX XXXX Payment Reference : XXXX Bank : Bank of America Account No : XXXX XXXX XXXX Routing No : XXXX Hightower uses XXXX XXXX as the originating bank and on XX/XX/XXXX, after proper due diligence the funds were transferred. 

On XX/XX/XXXX, after figuring out the scam mechanism, I requested that XXXX attempt to retrieve the {$9000.00} from Bank of America XXXX XXXX assigned an investigator who immediately filed a claim ( XXXX case # XXXX, Bank of America Incident Report # XXXX ) Bank of America advised the XXXX XXXX that they required a minimum of 90 business days to attempt to retrieve the funds. This time period expired on, or about XX/XX/XXXX. 

There has been no meaningful information forthcoming from BOA since initiation of this claim with the last conversation ( no new information- '' claim in process '' ) on XX/XX/XXXX. 

It seems to me that BOA should provide the following information : 1. Does BOA have procedures in place to properly vet their customers? 
2. If so, were these procedures properly followed regarding the reci [ ient of the wired scam fundsXXXX XXXX XXXX XXXX? 
3. Why has BOA not communicated with the XXXX XXXX with meaningful information. 
4. If no recovery has been achieved, does BOA carry insurance or self insurance to protect victims of this increasingly prevalent occurrence and if so how could I, as victim, access these funds? 

I filed an FBI IC3 complaint on XX/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 2023-10-04 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: NJ

Complaint narrative:
I have fraudulent accounts and charges on my personal credit file from XXXX XXXX XXXXXXXX and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.

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 2023-10-04 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: NY

Complaint narrative:
These accounts are not mine, I do not want them on my credit report, I need them to delete them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-04 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: TX

Complaint narrative:
I am requesting that it will be removed from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of XXXX XXXX XXXX, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that XXXX XXXX XXXX reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that XXXX XXXX XXXX values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.

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 2023-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of XXXX XXXX XXXX, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that XXXX XXXX XXXX reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that XXXX XXXX XXXX values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: IL

Complaint narrative:
Despite numerous efforts to rectify the existence of fraudulent, erroneous, and deceptive data on my consumer report, the matter remains unresolved. The presence of these entries has greatly affected my life, leading to considerable stress and XXXX I neither approved nor agreed to link this information to my identity, as I have been a victim of 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
I paid off my student loan in full to Mohela on XX/XX/2023. They are stating the principal balance still left is {$12.00}, but are charging me another {$15.00} in interest after I just paid {$12.00} in interest. I am being over charged on interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is incorrect information on 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 explanation
Consumer complaint received 2023-10-04 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:
I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called Experian and they told me I had to report this on here as well.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My Equifax Credit report is not available when I tried to get annual credit reports. Can you please assist. It states Equifax can not be calculated.

Company response to consumer: Closed with explanation