vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I notice I had fraudulent accounts on my report. Please remove these accounts from my reports ; they are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: VA

Complaint narrative:
XXXX filed a collection notice, and a delinquency notice to the credit bureaus on a fraudulent purchase they fail to cancel. While their XXXX department was correcting, their billing put it collections without notifying me. I have a construction project set to start and now the bank is reluctant to secure the loan. My Credit score has dropped significantly. XXXX said to name XXXX and them in suit. I really don't want to go down that path. My lender recommended 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 non-monetary relief
Consumer complaint received 2024-04-09 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: VA

Complaint narrative:
XXXX filed a collection notice, and a delinquency notice to the credit bureaus on a fraudulent purchase they fail to cancel. While their XXXX department was correcting, their billing put it collections without notifying me. I have a construction project set to start and now the bank is reluctant to secure the loan. My Credit score has dropped significantly. Experian said to name XXXX and them in suit. I really don't want to go down that path. My lender recommended 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been saving and working very hard for a trip of a lifetime to XXXX. 

I was ready to book my flight through Chase 's website in order to use my XXXX points ( estimated value of {$3300.00} ) I earned through many years of membership with Chase Sapphire Reserve. 

The flight I needed was not available through the website, so I called the customer service center for guidance. I was told by the customer service representative I could either transfer the points over to XXXX and apply the credit that way OR purchase the flight and charge the full amount on my Chase credit card and then Chase would apply the value of the points ( {$3300.00} ) toward my bill. I specifically asked her if there was a downfall with either option, such as a decrease in value or a fee, and she said no. I asked her, given her experience, what method she would recommend, and she recommended transferring the points over to XXXX as this was the easiest and fastest way with no downside. I agreed to her recommendation and trusted her advice. The transfer was done instantaneously. 

I immediately went on to XXXX to book my flight to find out the value of the points was half of what Chase offered, {$1600.00}. I again, immediately called Chase back and was transferred to a supervisor. It was acknowledged I was given the wrong information but that there was nothing that could be done. A " customer experience feedback '' would be filled out ; however there, no formal complaint or investigation would be done. 

In a span of 10 minutes, I was given the wrong information by a Chase customer service employee, which led to a personal loss but Chase 's financial gain of {$1600.00}. I am devastated and disheartened by this experience. I worked so hard and so long for this lifetime trip to be blown over. I turned to Chase for the information as they are the source ; how many more people have they lied to in order to save money? Where is the accountability from Chase for this dishonest practice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 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:
I hope this message finds you well. I am writing to express my frustration and concern regarding the repeated inaccuracies present on my credit report, despite multiple dispute attempts. As a conscientious consumer, I have diligently followed the proper channels to rectify these errors, yet they persist, causing undue stress and potential financial harm. 

It has come to my attention that despite my prior disputes, the inaccuracies remain unchanged on my credit report. This recurring issue not only undermines my confidence in the accuracy of the information provided but also hampers my ability to access fair credit terms and opportunities. 

I want to emphasize the importance of accurate credit reporting, as it directly impacts individuals ' financial well-being. The persistence of these inaccuracies despite my efforts to rectify them is both concerning and unacceptable. I urge you to thoroughly investigate the matter and take prompt action to correct the erroneous information on my credit report. 

Furthermore, I request transparency regarding the processes involved in handling disputes and ensuring the accuracy of credit reports. It is essential for consumers to have confidence in the integrity of credit reporting systems, and the current situation undermines this trust. 

Please consider this communication as a formal complaint and a request for immediate resolution of the inaccuracies on my credit report. I expect a timely response outlining the steps taken to address this matter and the timeframe for its resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt action and resolution of this issue.

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 2024-04-09 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
Someone used my identity to open a XXXX  XXXX credit card and used it commit fraud. I didn't authorize it or had any knowledge of this opening of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Global Lending Services LLC
State: IL

Complaint narrative:
Someone used my identity to open a XXXX  XXXX credit card and used it commit fraud. I didn't authorize it or had any knowledge of this opening of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CO

Complaint narrative:
My XXXX XXXX XXXX were paid in full/closed and transferred to XXXX on XX/XX/year>. They are still being shown as open account with balances on them through Experian. XXXX XXXX XXXX are reporting the balances and account status correctly as {$0.00} closed/paid in full. I have filed XXXX disputes online with Experian and have also called in twice. I have provided all documentation to show the pay off these loans. The disputes are not correcting the information and each say the customer disagrees. I called XXXX today, they told me they sent the correct information to Experian to show the pay off of these loans with the {$0.00} balance and I know this is true because XXXX XXXX XXXX are reporting correctly. I don't know what else to do to have Experian correct this error. They are violating the FCRA regulations by reporting inaccurate 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 non-monetary relief
Consumer complaint received 2024-04-09 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: WI

Complaint narrative:
I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
On XXXX XXXX I filed a dispute for some charges on my account I didn't make. I went and checked on it XX/XX/year> only to see my account was locked. I called my bank for them to tell me my account is being closed for violation of agreement but no other info. I have money in my account and need access to it asap to pay bill but was told it could be up to 30 days before I get it. That's too long to have to wait for my money. My bank is SOFI Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
The complaint is with Capital One. In several instances in my dealings with them, they did not perform and violated several consumer laws. I had XXXX credit card accounts with them and I contacted them with billing concerns and formally lodged a billing dispute complaint. I sent the first letter to them on XX/XX/XXXX and then again on XX/XX/XXXX. They did not respond to either of the disputes within 30 days as the law states and made no attempts to investigate the matter. My complaints were about 15 USC 1666b and 1666d. They did not abide by these laws in how my account was handled and how they reported my activity. 

After several conversations with the various departments they sitll didnt even acknowledge the fact that I had in good faith submitted billing disputes on both of my accounts. Ultimately they wound up closing both of my accounts citing a violation of the cardholder agreement. They told me that they do not accept the form of payment I sent in. I sent them a registered security to satisfy payment and a security is a lawfull form of payment. When calling them and asking me to send them in writing that they do not accept securities ( commercial paper bonds ) as payment, they hung up on me several times. Finally, after calling back several times, they blatantly told me that they could not send me that information in writing. It was enough of a reason for them to close my accounts but they absolutely would not send me it in writing. My last communication with them was on XXXX, XXXX 2024 at around noon CST, on several recorded lines and this is where they told me they couldn't send me this information in writing. 

The reason why they would not send me the information in writing is because it backs up my stance in the disputes with them and also because they are committing securities fraud and evading paying taxes on the proceeds from those securities. They take their receivables, securitize them in a trust, and then trade them on the primary and secondary markets where they do not have to be registered for a few different reasons. First, they are a foreign limited liability company that doesn't have to register securities and secondly, they get securitized as commercial paper which also does not have to be registered, if they are not registered you can surely believe they are not paying taxes on them. This is the reason they refuse to send me the information I requested in writing. In their purchase, pooling and servicing, security and indenture agreement, it states that they do not and will not engage in any fraudulent practices when it comes to their investors and their handling of securities and then they evade obligation or liability by refusing to provide documentation when requested to an investor who feels that they are being used to commit the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
On XXXX I called Wells Fargo to inform them there was some charges I did not authorize I informed them I hadnt received my atm card and that I lost my phone I told agent on XXXX on XXXX agent says claim denied because I never informed that my phone was lost

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I understand that FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
XXXX XXXX Experian are reporting a collection account that has not been validated as belonging to me and they have provided me with no documentation from their investigation that proves this account belongs on my credit report. There are several inconsistencies on my report as well so this means no validation was done because the account can not report XXXX different ways this is a violation of FCRA. The account in question is XXXX XXXX Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I fell victim to fraudulent activity on my credit cards, after my identity was stolen. My Best Buy credit card being XXXX of them. I was sent something from Best Buy saying they took all charges off and that I was not held liable. But yet on my credit report its is showing over $ XXXX as a charge off bad debt. This is NOT FAIR

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 monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I notice I had fraudulent accounts on my report. Please remove these accounts from my reports ; they are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I was asked to vet a credit report by XXXX which is a loan company in order to process my loan. 

On the XXXX of XX/XX/2024, I applied for a credit report and I got the report. In the report, it appears that I do not have any credit history as the page does not carry figures about my credit history but to my surprise when XXXX sent me an email about my loan aplication, the loan application was not approved and I saw that I have XXXX credit score. 

XXXX pointed that the credit score affected their decision. 

How did I get this credit score? 

I want to know how the company provided my credit scores as it is. 

As at today, as a XXXX I have never applied for loan before all my life. Hence, it surprised me getting to know how the company arrived at that credit score. 

Please, kindly assist me in this regard. 

Thank 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
Consumer complaint received 2024-04-09 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have two inquiries on my XXXX credit report that I DID NOT authorize. 

They are : Wells Fargo XX/XX/2024 XXXX  XX/XX/2024 I have disputed this with the original creditors and wish for these to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation