vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: OK

Complaint narrative:
Subject : Request for Assistance Regarding {$250.00} Bonus for Max-Rate Checking Account I am writing to request assistance with an issue I am encountering regarding the {$250.00} bonus offer for opening a new Max-Rate Checking Account with Morgan Stanley Private Bank . Despite meeting all eligibility requirements as outlined in the offer 's terms and conditions, I have not yet received the promised bonus. 

Details of the offer : Offer received on : XX/XX/XXXX Account opened : [ XXXX XXXX, XXXX ] Direct Deposit Requirements Met : Two Qualifying Direct Deposits of {$1000.00} or more each were made to the account within 90 days of opening ( deposits XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ). 

Account funded within 30 days of opening. 

Account remains open and in good standing. 

I have complied with all of the conditions required to earn the {$250.00} bonus. However, I have not received the bonus in my account and received an email on XXXX XXXX, XXXX stating " You recently opened a new checking account from Morgan Stanley Private Bank, Member FDIC as part of a cash bonus offer. Unfortunately, your account did not meet the offer requirements to qualify for the cash bonus. '' My request : I would like the CFPB to assist in resolving this matter by contacting Morgan Stanley Private Bank to ensure the bonus is issued, or if not, provide me with a clear explanation for why I have not received the bonus despite meeting all criteria. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Global Credit & Collection Corporation
State: LA

Complaint narrative:
To whom it may concern I have been receiving threatening letters to my home from this company.After I have told my case worker over the phone that I would contact them whenever I would be able to start making payments again. Still this company proceed to contact me with harassing calls and letters. I have been sent letters saying that the funds will be collected or legal actions will take place by a judge. I would like for them to no longer contact me by phone, mail, and email. Like I have told them before I will contact them whenever I can afford to make payments. 
Thank you

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX at XXXXXXXX XXXX mountain time I get 2 notices from Bank of America via email about my email and phone number violating XXXX XXXX. I then contact BOA on their mobile app and the operator simply says on chat that I have to update and re-enroll. It fails, and I have screenshots of this transaction. She then looks into it further about my discrepancy in email and directs me to call their fraud line. The fraud line finally picks up and the woman explaining then says " a quoted deposit '' based termination. Basically BOA is going to terminate my relationship for what, I really don't know. Part of this has me thinking there are 2 main factors. 1 ) I had someone steal my identity and attempt multiple account openings, to which XXXX notified me first. 2 ) I made a complaint on XXXX at a recent XXXX, FL location about XXXX. I suspect this is retaliation. However, I really can't be sure because no one is willing to give me the details. On the same call, the woman explaining the account terminations of my checking AND savings states that I should call back in 24 hours and will no longer have access. In addition, she iterated the line is being recorded and she's aware that I will be making a complaint. I've read on multiple online postings of similar random BOA errors and close outs. I'm uploading the police and FTC reports of proof of identity fraud issues. BOA has also been notified at XXXX with a running thread notifying them of these issues.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have attached my identity theft report on XX/XX/year> still the XXXX XXXX XXXX account is still showing on my credit report. My credit report was also exposed with Equifax when their system was breached and exposed my credit report. 

I have attached the identity theft report for the 6th time along with the consumer financial protection law regarding identity theft. The federal trade commission had also filed N identity theft report form for me to cfpb. 

Attached again the is law showing that after the Identity theft report is completed on the Federal Trade commission site and submitted to the credit report agency. The credit reporting agency is to block the account that you reported as identity theft off of your credit report in 3 to 4 days. 

PLEASE SEE THE EQUIFAX DATA BREACH, CFBP LAW REGARDING IDENTITY THEFT CREDIT REPORTING AND AGAIN MY IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
WAKEFIELD & ASSOCIATES I This is not my debt and prove its mine because I know you cant prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing this letter to you, because your organization supervises credit reporting - https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-to-superivse-credit-reporting/. Altogether, the XXXX largest credit reporting companies issue more than XXXX XXXX consumer reports a year and maintain files on more than XXXX XXXX Americans. 

It is and has historically been common practice at those XXXX credit reporting agencies in the U.S. ( Equifax, Experian, Transunion ) to report a late or past due status for one 's payment for one 's apartment rent and for one 's home mortgage. Why should not TIMELY rent and mortgage payments similarly be reported on a debtor 's credit report? Both past due as well as timely payments are customarily reported for debtors ' credit cards and bank loans- absent any extra " fee '' required to be paid to have timely payments reported. Why should not timely payments for rent and mortgages be similarly reported for debtors ' credit records - absent the payment of any requisite " fee ''? 

Please require credit reporting agencies ( Equifax, XXXXxperian, Transunion ) to include timely payments for apartment rent and home mortgages to be reported to credit reporting agencies and included in debtors ' credit records. Thank you in advance for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I checked my credit report this morning, I was alarmed to see an unauthorized inquiry that I had nothing to do with. I even refreshed my browser to see if it was a temporary glitch, but the inquiry was still there. This is incredibly frustrating, and I demand an urgent review of the documents I provided so I can finally put this issue to rest.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My student loan lender swapped platforms, while doing this it duplicated accounts on my credit report, one should have been closed out. This has been listed inaccuratly on my credit account for a full year. It is showing that my debt to income is double what it really is, it has potentially impacted my interest rate on another loan that I have, it has stopped me from being able to move forward with a mortgage lender and making offers on homes. Others have been through this same thing, and I don't understand how something like this can go unresolved for so long. I don't owe almost XXXX k in student loans I only owe XXXX XXXX I don't have XXXX  days to wait and see if this can be resolved. I have called my loan servicer to be put on hold multiple times, XXXX hours even.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy, please be reminded, no consent is identity theft. 

-JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX  Please promptly remove this data within 4 business days pursuant to 15USC 1681-C-2 to avoid any further legal proceedings.

Thank you for your timely compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a notice stating that I had open a new account with XXXX XXXX and that some checks where deposited.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I got a bill from TrueAccord saying I owe the amount of {$150.00} to XXXX XXXX XXXXy has me for the same account with XXXX XXXX for {$70.00} two companies trying to collect on the same debt for 2 different amounts the creditor is sending out false info to collection agencies for money not owed therefore the consumer has 2 collections account for the same account each account is higher than the other making the collect non collectible due to inaccuracies from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I submitted a written request to LexisNexis XXXX on XX/XX/year> requesting a security freeze on my consumer file, in accordance with the Fair Credit Reporting Act ( FCRA ) 605A, codified at 15 U.S.C. 1681c-1. This request included all required identifying information and clearly stated my legal right to restrict access to my file. 

Despite my compliance with all legal requirements and my attempt to submit the request online ( which failed ), I have not received confirmation that the security freeze has been applied. This lack of response violates my rights under the FCRA. 

Additionally, I requested the disclosure of all information in my file, including a list of entities that have accessed my consumer report in the last 12 months, as granted by 15 U.S.C. 1681g ( FCRA 609 ). I also demanded that my information not be disclosed to any third party, especially marketers, insurance companies, or data brokers, without my explicit consent, under 15 U.S.C. 1681b ( FCRA 604 ). 

Their failure to comply with these requests raises serious concerns about potential violations of federal consumer privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress 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 explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I was checking my report and found hard inquires that i do not recognize and did not approve. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my report and found hard inquires that i do not recognize and did not approve. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I was a victim of fraud by the same individual twice. After it happened the XXXX time I filed a police report and the car was removed bc I proved it wasnt me. This loan has me as a co signer and I never co signed for this individual. This loan has my name & ID on it. Its a different social security #, a different address, a different phone # & different email address. I sent up numerous times to experian my information and they keeps saying the company pays them to report and dont care thats its not me. This has affected my credit and caused hardships on my life. Can you please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CO

Complaint narrative:
My address and phone number are not updated on my credit report, This is causing a problem. my report and score not updated since XXXX XXXX experian There are no addresses listed in my 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 2025-03-27 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy Federal Credit Union has me linked to an account that does not belong to me & is inaccurate. I am a XXXX of identity theft as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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