vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations. 

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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 sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Discrimination based on age, XXXX, possibly religion in process concerning approval at Chase home mortgage. Expressed concern over Discrimination and I was immediately retaliated against by denying my approval for a primary home mortgage snd instead they turned it in to a counter offer for a higher rate product on XX/XX/year>. XXXX XXXX and XXXX XXXX discriminated against me by ignoring the requested documents I submitted for the application and I was made to submit the same thing multiple times without response or explanation. I demonstrated enough in liquiditable assets to cover the entire application balance I applied for so the only possible explanation is discrimination based on XXXX and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations.

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.

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 2024-05-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations. 

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.

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 2024-05-31 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-31 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
Requested a refund of excess funds on my account with closure. Sent request in writing and made a verbal request. They still won't close said account or issue funds for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have had a promotional interest rate of 0 % on my credit card for months. In the XXXX statement it was acknowledged as such expiring XX/XX/year>. Then abruptly the interest rate shown on the XXXX statement was given as 25.24 %. I've tried to discuss this with the issuing bank but they don't respond.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/year> I deposited {$180.00} to my Cash App account with a deposit receipt given by the company who made my deposit. On XX/XX/year>. I checked my account with {$0.00} balance in it. CASH App won't provide any record of transaction made on XX/XX/year> when asked by myself. They do not provide to me any record of transaction to show what or where my cash deposit of {$180.00} went or what happened to my money deposited to my account. I want to receive my {$180.00} or be provided a record of whatever happened to my money. As of this moment I consider they stole my money. Please help me to get paid back my {$180.00} deposit because they can not provide a record of any transaction for it. I have a deposit receipt from the company who made the deposit to my Cash App account. This is a fraudulent business practice by Cash App and I want to be paid the {$180.00} I deposited. Please assist in this fraudulent financial matter at hand to recover my stolen money. Please report this theft to proper authoriites.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan for a XXXX  XXXX XXXX I've been driving for over a year. For most of the time I've owned it, its been set on autopay, but that fell off after I switched cards ( pretty sure I was paying with XXXX XXXX, but it may have been a bank account ). I ended up being behind on payments because of the switched card and had to spend nearly an hour on the phone with them because the website wouldn't let me pay online. Now the same thing has happened again over a month later and the website still won't let me pay online, but requires me to sit on the phone for an hour to just make a payment, all the while a late fee has been assessed and they call me once or twice a day including on weekends and holidays. They also make it impossible to talk to a person and make you jump through hoops with computers on the phone.

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 2024-05-31 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: DISCOVER BANK
State: VA

Complaint narrative:
I am writing to express my grave concerns about a derogatory rating that has been erroneously reported on my credit file. This inaccurate negative mark is already causing me substantial financial hardship and emotional distress that will continue until it is permanently rectified. 
Due to this derogatory rating, I have been denied credit and had interest rates increased on my existing accounts- directly impacting my ability to manage my finances responsibly. I was never properly notified of the derogatory tradeline nor given an opportunity to dispute it before it was reported to the national consumer reporting agencies. 
Under the Fair Credit Reporting Act, I have a federally protected right to have any inaccurate, incomplete or unverifiable information promptly blocked and removed from my credit reports upon dispute. I thereby demand that you initiate a investigation to verify the validity of this derogatory rating within five ( 5 ) business days. Upon determining the information can not be corroborated, you are legally obligated to permanently delete and block the reporting of this negative tradeline to XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: PR

Complaint narrative:
The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate. Nonetheless, furnishers who clearly and conspicuously provide an address for consumers to give notice of inaccuracies are exempt from this prohibition, unless the consumer has provided notice that information is inaccurate. And while the FCRA does not obligate furnishers to provide an address for the consumer to notify it of inaccuracies in reported data, furnishers who do so can not be held liable for inaccuracies in reported information if the consumer fails to notify the furnisher of the inaccuracies. Furnishers who regularly report information to CRAs about transactions with consumers also have an affirmative duty to notify the agencies of information the furnisher later determines is incomplete or inaccurate. 
YOU SHOW A DIFFERENT LAST PAYMENT AND CLOSING DATE PLEASE REMOVE THIS INACURATE ACCOUNT I AM ATTACHING PROOF POPULAR HAS A DIFFERENT DATE FOR LAST PAYMENT DATE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD CREDIT CARD ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX PHONE 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 2024-05-31 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: IL

Complaint narrative:
I have been a victim of identity theft since 1997. Same guy. Lives in the XXXX / XXXX XXXX areas of Georgia. He has complete access to my credit report. 
I have frozen, locked and pay {$300.00} a year to XXXX and still can't keep this person from invading my credit report, getting credit cards and even when he was arrested ( according to XXXX XXXX ) for identity theft, used my name when arrested. 
I have made police reports, filled complaints, blah, blah, blah. 

Still no protection. I just found he even wrote a comment on MY credit report to call HIS cell phone if any changes are made to my credit report. 

Just because I'm not a senior citizen, rich, famous or lost money, no one really cares. 
If it happened to you, you'd care.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-31 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to express my grave concerns about a derogatory rating that has been erroneously reported on my credit file. This inaccurate negative mark is already causing me substantial financial hardship and emotional distress that will continue until it is permanently rectified. 
Due to this derogatory rating, I have been denied credit and had interest rates increased on my existing accounts- directly impacting my ability to manage my finances responsibly. I was never properly notified of the derogatory tradeline nor given an opportunity to dispute it before it was reported to the national consumer reporting agencies. 
Under the Fair Credit Reporting Act, I have a federally protected right to have any inaccurate, incomplete or unverifiable information promptly blocked and removed from my credit reports upon dispute. I thereby demand that you initiate a investigation to verify the validity of this derogatory rating within five ( 5 ) business days. Upon determining the information can not be corroborated, you are legally obligated to permanently delete and block the reporting of this negative tradeline to XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: MD

Complaint narrative:
I am writing to address an issue with inaccurate late payment entries on my credit report. After carefully reviewing my payment records, I noticed several instances where payments were reported as late despite being made on time. Over 30 days ago, I sent correspondence along with documentation disputing these erroneous late payments, but I have not received a response or resolution. 

Despite my efforts to resolve this through proper channels, the inaccurate late payment entries remain on my credit report. This is unacceptable and violates the Fair Credit Reporting Act, which requires credit bureaus to maintain accurate consumer credit information. 

I am respectfully demanding that you investigate this matter promptly and remove or update any inaccurate late payment entries from my credit report. Continuing to report incorrect payment information is misleading and damaging to my credit profile.

Company response to consumer: Closed with explanation