vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
I have contacted Transunion on several occasions via phone, app, spoken to specialists etc to no avail. 

XXXX XXXX  XXXX is illegal reporting in my credit file. 

XXXX XXXX XXXX appears to be part of credit fraud I reported to FTC XXXX XXXX also appears to be fraud XXXX XXXX XXXX XXXX was already determined to be fraud and a letter supplied by XXXX  authorizing Transunion was provided since XX/XX/2023. 

Transunion refuses to correct and delete these incorrect, unverified and fraudulent accounts for. My credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: IL

Complaint narrative:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

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 2023-08-20 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: TX

Complaint narrative:
XXXX XXXX is reporting a loan to my credit file. I have never applied for nor have I ever been issued a loan by XXXX XXXX. XXXX XXXX is reporting a timeline of 14 years and 5 months. This account appearing on my public consumer file is false and inaccurate. It is out of compliance with the FCRA. I do not owe this alleged debt. Please remove this FALSE account that has been reported as a revolving or installment loan from my credit file in accordance with the FCRA. This account has not reported to nor has it been on my credit file for 14 years. This needs to be removed ASAP as this is a violation of credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: FL

Complaint narrative:
I am intersted in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with Equifax. this issue has been addressed multiple times. none of the information filed is following the credit laws in place. please review an remove all information submitted in the files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo was always debiting my account for fees for no reason XXXX and XXXX dollars worth a week

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 2023-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was not giving the option to opt-out from consumer report sharing. An identity theft report was filed thru the FTC. The identity report number is FTC Report Number : XXXX The companies are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-08-20 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: FL

Complaint narrative:
One of the Credit Bureaus Experian continues to give me a difficult time after years of good credit history. I've complained regarding not having online access to my report. I've logged in and now can't dispute online. I get a message " Due to Security reasons we can not process your dispute online. '' I've contacted them on the phone and the representatives will continue to ask the same questions over and over and will tell me it will take up to 45 days to process disputes but results come back two-three days later with unchanged results. I'm an XXXX and it's difficult calling them during the week when I have a classroom full of students. I wanted to uploaded my student loan forgiveness documents and could not upload. This balance is paid in full. I was forgiven due to paying for loans for XXXX years most on schools that were closed. Experian sent congratulations letter, however, put balance back on report. Also, a company they are working with XXXX a third party debt collection agency has falsely reported {$620.00} on my reports with no documentation I requested and have since changed dates and the placed their name and along with original creditor 's name. I did not have an account with original creditor. The representative knew this information was added and yet tells me it will take up to 45 days to remove. It has now been several months and still there. Something has to be done. Experian continues to give me a difficult time. I've tried disputing an address that isn't mine. XXXX XXXX XXXX which is a home. I've always been in an apartment due to student loan debt being paid. I need these accounts removed and student loan balance shown as {$0.00}. I have documents from Dept of Education and XXXX but could not upload. The other Bureaus worked just fine and have updated. Experian report # XXXX shows latest updates and tells me to call 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 2023-08-20 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: FL

Complaint narrative:
inquirer : CLARITY SERVICES A PART OF EXPERIAN ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX Number : Telephone Number Not Available Inquiry Date : XX/XX/2021 Name Provided : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX SSN/ID Provided : XXXX Email : No Information Found In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15-USC1681 I have the right to privacy. In 154USC1681 it states that a consumer reporting agency can not furnish an account without my written instructions. Also, under 15USC1666B a creditor may not treat a loan or credit card account under an open consumer credit plan as late for any purpose. I demand this to be immediately removed from all consumer reports that reflect my financial reputation.

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 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made three deposits into my checking account of money orders, which were {$490.00} each. And I deposited my check into my savings account and its been over three weeks and they still have my funds on hold. after the checks have cleared, they dont let me know. How long is my account gon na be on review or for what reason?

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 2023-08-20 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am composing this letter to bring to your attention a concerning issue regarding a charge-off that your company has reported on my credit report. The debt referred to above has been discharged and officially written off as an uncollectible debt by your organization, leading to a corresponding tax write-off. According to information I have received from the IRS, it is in violation of the law for you to report this data on my credit report, whether for the purposes of collection or to indicate a charged-off status. This is a breach of FCRA 15 USC 1681 ( e ) ( b ). The information being reported is not entirely accurate. I would like to highlight that I retain the option to submit form 3949-A in response to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a physical signature, for their inclusion. I recently engaged in communication with your organization regarding this matter, and I am formally requesting the swift blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial distress, as they inaccurately depict my credit history and obligations. Should this issue not be adequately addressed, I am prepared to initiate legal action to safeguard my rights and pursue resolution. The fraudulent entries on my credit record have impeded my capacity to accomplish crucial financial objectives, such as home ownership and fulfilling my family 's needs.

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 2023-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had two credit card accounts with Capitol One. Both accounts I have had for many years. One of them around 8 years. I was having some very hard financial issues/problems and it caused some of my payments to be returned. They closed my account ending in XXXX. They then turned around and closed my other account ending in XXXX that had nothing to do with the account ending in XXXX. How is that even fair legal or possible. I called Capitol One regarding this and they were not help. Did not even try to help resolve the problem. How can they even do this. These are two selections accounts two separate credit lines two separate payment histories. So of I financed a car through them would they close my car loan account down and take my car back? This should not be allowed to happen. This has affected my credit tremendously being that this is one of my lines of credit with the longest history. I am also going to try to email the CEO of this company regarding this. This should not be allowed at all. There was no warning. No option to correct this within 30 days just a letter giving me no options but closure, unacceptable. I will be taking this as far as I can. Unacceptable to close one account based off of another that has nothing to do with each other besides the fact they are two accounts with the same company but two totally different cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX 's data is incomplete. They claim I have only 3 paid on time accounts when all but one of my accounts is paid, whether open or closed, and never late. I have 1 account that was ever late and I did not know there was anything on the account. The amount was {$5.00} that the card company added after I paid it in full on their website. They showed it as {$200.00}. I had no way to know they had added a charge to the account because I had moved to take care of my elderly mother. They made no attempt to contact me beyond mailing notices to my old address. No email or phone call or text. I had even changed my driver 's license and address so they had notice I had moved. XXXX should show about a dozen Paid/Never Late accounts but they don't. All of their aggregate data is incorrect giving creditors a completely false picture and reducing my credit score from well over XXXX to the mid XXXX 's over a {$5.00} late payment.. 

In addition, they stole my credit card number and tried to charge me for something I had refused to authorize and blocked me from accessing my account. It took two hours to get someone on the phone to fix it and the next day the same thing happened again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-20 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: GA

Complaint narrative:
Greetings, In accordance with Fair Credit Reporting Act my rights has been violated. 

Notice, XXXX, Equifax, XXXX, XXXX XXXX, XXXX or any other XXXX XXXX XXXX XXXX have not received any written instructions as set forth in the Fair Credit Reporting Act and is in violation of Pub. L. 90-321 [ 15 USC 1681B subsection 2 ], Pub. L. 90-321 [ 15 USC 1681A subsection 4 ] and Pub. L. 90-321 [ 1681e ( a ) ( b ) ], Per the IRS Publication charge offs are considered DEBT and should not be reported on credit reports. 


EQUIFAX is Reporting fraud with inaccurate Personal Information. The only accurate mailing location is : XXXX XXXX XXXX XXXX, XXXX XXXX. REMOVE anything else. 

Remove all hard inquires : XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX. 

I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Pub L. 94-550, 1 ( a ) By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: CT

Complaint narrative:
XXXX before submitting the lease application to XXXX XXXX XXXX I noticed a significant decrease in my credit score, appeared to be caused by " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX making initial inquiries of my credit on XX/XX/2023 Although I was approved by the above refenced lenders, I have not proceeded with the lease because the credit reporting bureaus keep sending fraud alerts about inquiries from these same companies! 

Complaint : The companies appear to running credit checks on me without my consent. 

Applicable Questions : 1. How do they run credit checks before I submitted the application? 
2. How do they continue to run credit checks on me after the application was approved? 
XXXX. How do I stop it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a physical signature, for their inclusion. I recently engaged in communication with your organization regarding this matter, and I am formally requesting the swift blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial distress, as they inaccurately depict my credit history and obligations. Should this issue not be adequately addressed, I am prepared to initiate legal action to safeguard my rights and pursue resolution. The fraudulent entries on my credit record have impeded my capacity to accomplish crucial financial objectives, such as home ownership and fulfilling my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.

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 2023-08-20 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: TX

Complaint narrative:
In according with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX & XXXX account XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the rights 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

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 2023-08-20 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: United Shore Financial Services, LLC
State: GA

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 explanation