vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: AL

Complaint narrative:
I have been denied credit for years now, and recently confirmed it was due to a merged credit file. I opened a dispute which has been completed. I received an email telling me to click here for results. This takes me to a message that says my results are currently not available online. It gives me a phone number to call with days and hours available. I have called the provided number multiple times. I have been hung up on multiple times. The last person who refused to let me speak to someone else, was a supervisor. After refusing my request to transfer me, she hung up on me. I have spent 3 hours trying to get help, with no results. I have been refused to speak with supervisor multiple times. I have been hung up on multiple times. They inaccurately reported someone else 's credit information concerning me, and completely refuse to supply me with the results of the completed dispute.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I don't even know where to begin. But there are over XXXX hard inquiries on my credit report ( XXXX ) I also have payday loans contacting me telling me I owe money. I can't even access XXXX XXXX anymore. Nor IRS.gov or XXXX XXXX will not upload my id. I am owed stimulus money still, owed tax returns and my credit dropped XXXX points in XXXX. It's clearly some type of identity theft. A mess. Please help XXXX or leave message with sister XXXX XXXX at XXXX if u can't reach me. Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
There been some fraudulent transactions on my Wells Fargo for some XXXX transactions and Wells Fargo is basically saying I did it. They are being really scummy and not following fdic regulations. The person I was talking to was basically saying I did it and she was no help at all. There process is completely dumb they said because it was my name that they cant reverse it. And this is a huge sum the lady on the phone made me feel like she didnt even want to be on the phone with me and it felt like a chore to her! Unbelievable. And I still havent been credited and this is a huge sum. ( Update ) today is the XXXX and I tried to talk to someone and I ask to be transferred to the executive office and they laughed at me.

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 2024-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am being sent to debt collections for XXXX dollars. The rental company XXXX on XXXX claims I had moved in XXXX of 2023 and moved out in XXXX of 2023. I have never resided in their apartment complex, I have several unanswered emails that I had sent out before the so-called " move-in '' date that show I indeed kept telling them I wouldn't be moving in. I even spoke to them through phone calls and was told that it was okay. I never gave a deposit either to move in. All I ever did was apply and ended up not moving due to the fact my job had cut my hours and together I wouldn't be able to afford it since I am a XXXX XXXX I have been living with my mother for the past XXXX  years of my life. I get all and any federal government papers sent to where I've always resided which has been my mother 's. For them to place me under collections and claim I lived there is false and If I were I would never be called to be informed of my rent being late for XXXX if I lived there I never even received a key to any apartment. I will be including XXXX different emails showing how they kept wanting me to sign the lease and I never did, I also have included XXXX other emails where I emailed them telling them I wouldn't be moving in anymore with no response after that I had spoke to someone through the phone telling them this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/XXXX - XX/XX/XXXX I authorized an ACH amount of XXXX daily to the app XXXX  which is an exchange where one can purchase XXXX XXXX Upon verification with my bank USAA, I noticed not a daily XXXX charge but rather MULTIPLE daily charges ranging from XXXX to up to XXXX daily to a company called XXXX, while my XXXX app showed only a daily XXXX addon. I to this day, still haven't validated the link between XXXX  and the app XXXX, but would assume this is the parent company. I filed a dispute on XX/XX/XXXX with USAA for the overcharges, and the following day, my account was blocked and XXXX days later was " told '' that my banking relationship with USAA was terminated. My money is blocked at both USAA and XXXX with XXXX communication around a solution at either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a claim with Chase reserve credit card for trip interruption benefit on XX/XX/XXXX. I left my trip early because my father was having XXXX XXXX XXXX and XXXX XXXX XXXX. Ive called Chase representatives multiple times for updates, with no help or clarity. Finally, on XX/XX/XXXX, I was able to speak to a claim examiner, and after answering all her questions, and being told I have all required documents, my claim was going to be approved. The examiner gave me a rough estimate of what Ill get back. I was told I would receive a secured email link in 2 business days. On XX/XX/XXXX I reached out to the claim examiner via email bc I havent received anything. She responded XX/XX/XXXX stating I will check your claim and docs as I believe we do have everything needed. I will email you with an update. On XX/XX/XXXX I emailed her for an update but havent heard back. Presently, Chase states they dont have any documentation of my call with the examiner, but I have emails of our correspondence. Ive called Chase reserve countless times to get my claim resolved, and asked what other documents are required so I can help them do their job. They kept stating my claim was getting escalated given submitted all their required documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I mailed a letter of verification to XXXX on XX/XX/2024 received no response back. I am demanding that this account be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : 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 2024-02-26 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: MD

Complaint narrative:
Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account. 

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim. 

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report. 

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, 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 2024-02-26 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: MD

Complaint narrative:
Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account.

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MD

Complaint narrative:
Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account.

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, 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 2024-02-26 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year> I contact Barclays of Delaware and asked them to please look into why they pulled a hard inquiry on my credit report, and that I did not recognize this. They took my social and date of birth and states that they didnt have any information showing. They told me that I need to call XXXX and request an Acct ID number and call them back. I stated Why would i call you back with an Acct ID if you just ran my social and date of birth and nothing popped up? I ended the conversation and contacted XXXX customer service immediately. He told me that he didnt understand what Barclays meant by an account ID and said he was listing this as fraud. I was asked to complete this report, and once I received a copy, to mail it to XXXX so that it can be removed from 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