vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
Filed a complaint on XX/XX/XXXX in reference to an inquiry I didn't recognize. Complaint # XXXX which included the identity theft report from the FTC along with a copy of my drivers license, Social Security Card, and a bank statement.

Received a letter from Equifax saying they couldn't process it without a the said documents that were attached to the said complaint.

Got another letter from Equifax stating the inquiry was valid. No way in XXXX they even looked into what I sent them let alone actually do an investigation, What really XXXX me off is the fact they compromised my personal data in a data breech but still refuse to do their job. This is willful negligence and violates the FCRA yet they continue to get away with it. I have reattached all the attachments from complaint XXXX as well as another dispute I mailed to them. They need to be be held accountable as I am considering seeking legal remedy for said violations as outlined in the dispute attachment that was mailed out on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2024-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
I couldnt afford my loan with heights finance they took me to court I thought I been paying off the agreement we made for there was no judgment but when it kept reflecting negative on my credit report I emailed them. And they said even though they took me to court it still adds interest and fees monthly even thought Im paying the agreement there still acting like the account is open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Every month I have been pulling my credit report and all the information was wrong, I sent in my ID and Proof of address. They haven't corrected or updated it yet. I also seen that there is wrong information on my credit report that shouldn't be there when it comes to my account. I circled all the incorrect information and asked them to prove it, and I know they cant because it is actually incorrect. Now Im at the point where I am waisting money doing this and now Im seeking reparations, and to correct the late payments on XXXX and remove the other accounts XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute a {$2600.00} debt claimed by XXXX XXXX XXXX, as I have never engaged in any business with your company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for closing on my forever home.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid my Kohls card online on XX/XX/XXXX was {$130.00}. It was taken out of my account on XX/XX/XXXX and XX/XX/XXXX. I received an email stating my payment was returned. I called the number on the back of my card to see what the problem was. They said the customer canceled the payment which was not true I did not cancel the payment and they kept telling me it was returned. I proceeded to go to my bank and got a copy of the transaction that was paid to the charge card company And a statement showing it was taken out of my account. I sent them the proof and they still dont believe me. This is capital one charge card through Kohls. I have called them three or four times already I sent them pictures of the proof and I also made copies of the proof and mailed it off to them, I told them I will not pay again it was paid and I have proof, but they refused to give me any proof that it was returned to my account. I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
venmo stole USD XXXX from me! 
customer support refuses to help in order to resolve anything they say respond to ticket so and so which I do not have! they only send me copy paste messages! they are very well trained scammers to exhaust their customers so they give up on their funds! but I will not! if I have to take this to the FBI I will this company must be taken down by law enforcement!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I was not informed that my account was XXXX past due. I don't receive paper statements because I have not charge anything on this account for quite some. I have only used XXXX pay and continued to pay each month with transfers somehow it was cut off {$10.00} still due. I have been a customer of Bank of America since 2017 and I have NEVER once been late for over XXXX years on any of my cards. It's impossible to speak with a supervisor or anyone in charge of Credit reporting to investigate error. Not only did it show a late charge all credit reports it dropped my score from XXXX XXXX just before I was trying to get a loan. Thats over XXXX points and devastating after I have work so hard for years to perfect and protect my credit. 
I am referring to the LAW. 15 U.S. Code 1681s-2 : Responsibilities of the furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate information. ( 1 ) The Banking systems 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. I have been an outstanding customer for over XXXX years. I have personal accounts and an excellent business relationship and have been an excellent customer. It so unprofessional that can't even talk to a person who has any authority. This not fair credit reporting. Please remove this XXXX late charge on all credit reporting agencies. This was on my personal account.

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 2024-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX my XXXX daughter went to Chase Bank located on XXXX XXXX XXXXXXXX around XXXXXXXX XXXX  XXXX She was scammed by a guy threatening her he put a {$1000.00} check in her account, I filled a police report on XX/XX/XXXX went to Chase on XX/XX/XXXX filed a report on XX/XX/XXXX We received a call from a Chase employee named XXXX, stating that we got a refund when I check the account the {$540.00} was in the account and she said now the case is closed, a week later we received a letter stating that a refund was disbursed no action will take place. On XX/XX/XXXX we deposited {$190.00} but on XX/XX/XXXX XXXX I noticed the account was negative, the bank deducted {$730.00} and the account with negative. I went to the bank I was told that was a temporary refund which was not said in the letter nor from the lady. after my complaint now they hired security for the ATM section. The police knew about the problem my daughter was not the only victim not nothing was done prior otherwise my child would have not been a victim She is XXXX, I took her to XXXX  after the incident for about a month she was so scared of being outside by herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/scrub>XXXX XXXX XXXX XXXX 
The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX i sent equifax a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i bought XXXX from XXXX XXXX XXXX XXXX in alabama, ship it to me in XXXX TExas. WEeks later i traded the XXXX in at XXXX XXXX XXXX, XXXX XXXX XXXX send Bank of america a check for pay off. Now Bank of america is telling me XXXX XXXX XXXX flat canceled the loan, XXXX XXXX XXXX telling me the didn't. XXXX XXXX XXXX told me they received the title earlier this week and sent it back to Bank of america, XXXX XXXX XXXX needs the title to the truck, as there holding my equity until i receive the title. im stuck since the delaer ship and bank of America isn't helping in this matter. We keep going i circles. my number is 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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
On XX/XX/year> I attempted to send {$130000.00} to Bank of New York Mellon by wire. The money was sent by XXXX XXXX XXXXXXXX. I did not receive a wire receipt. The recipient called New York Mellon to inquire about the receipt. The money was sent by ACH instead of wire. New York Mellon stated to recipient that it would have to be resent by wire. I notified XXXX  XXXX XXXX immediately and requested a recall. I was told that a recall applies to wires only. No terminology for ACH was given. XXXX XXXX  XXXX suggested I file a claim. I was hesitant thinking it would only delay things further. 

The money has never been returned to my bank account. I filed a claim on XX/XX/year>, filled out the necessary paperwork and both mailed and faxed the claim information. I have followed up every day since then and have been told by XXXX XXXX XXXXXXXX that the return of funds could take up to 45 days. I was later told it would take 60 days. When I mentioned that a purchase of property was involved, there was never any urgency on the part of either bank. 

Each time I reach out to XXXX XXXX XXXXXXXX, I am given different information regarding a time frame. Bank of New York Mellon says that XXXX XXXX XXXXXXXX must electronically request the money be returned. For such a large amount of money and property on the line, I feel taken advantage of. There is never a good or steady explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/24 I called TransUnion to resolve my last name being incorrect. They have my credit report listing under a last name that I have not had in 10 years. Two separate supervisors told me it was because my creditors are reporting to them under my previous name but when I call my creditors they do not have any record of my previous name as all of my accounts are within the last 4 years and were not opened with my previous name. TransUnion told me the only way they can change my name is to have my creditors report my name correctly to them however, as stated, they are all reporting under my current and correct name. I then called XXXX to verify my name and they have my correct current last name. TransUnion also verified they do have my correct last name in their account but refuse to change it saying it is just an A.K.A. and it's not my primary last name.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it may concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected.

I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged 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 non-monetary relief
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and noticed that there were inconsistent items. I drafted a letter outlining each item that I found to be inaccurate and requested that Experian disclose to me the documentation that they have on record regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent by certified mail and was notarized. The tracking number for that certified letter is XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Experian responded that the accounts were certified by the companies listed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. Experian failed to provide documentation.

Experian also did not update my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNT 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