vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
Upon first notification of a debt, I called and requested information from Linebarger Goggan Blair & Samson , LLP. The suggested debt is from the year 2018. When LGB & S said it was from a traffic violation in XXXX, FL on XX/XX/2018. I then retraced my travel and bank records for this time period and saw that I was in XXXX NY working in a hospital during most of the month of XX/XX/2018. 
I mailed the debt collector proof, XXXX pages of bank records where I had eaten meals, hotels, gas, etc and paid by my bank card in and around the area of NY that I was working in during the time period in question. I could not have checked in to a hotel or worked in a hospital without photo id. It was not possible for me to be in NY and XXXX FL at the same time on the same day. 

I asked Linebarger and Associates to remove the debt and to not pursue it, with me, any further based on this evidence. I also asked that since I work in a medical environment that they do not attempt to contact me or send me any further debt collection bills .I wrote a cease and desist letter on XXXX and received another bill on XXXX XXXX now feel like I am being needlessly harassed. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.

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 2023-09-19 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: Possible Financial Inc
State: TX

Complaint narrative:
Company was sent email and certified letter requesting validation of account and official notice of account in Dispute on XX/XX/XXXX with no response. Company does not have a direct number to discuss issues with an account status. Company continues to report fraudulently on my personal consumer report without consent nor providing validation information. I am a victim of identity theft and do not believe this account belongs to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The company promised to pay interest on the money that I deposited, but they closed my account and I am not giving me back the money from some checks that I deposited or the interests that they promised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-19 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: PA

Complaint narrative:
I have a personal checking account with a small overdraft protection credit line with XXXX XXXX. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that XXXX XXXX  had erroneously reported to the credit bureaus that there was a late payment in XX/XX/XXXX   that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XXXX ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ). 

Clearly, there was some error on XXXX XXXX XXXX end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, XXXX XXXX own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my XXXX XXXX  account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

XXXX XXXX  should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, Transunion, XXXX, etc. ). XXXX XXXX  should make sure that the account does not have any late payment or other potentially negative information. XXXX XXXX  should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.

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 2023-09-19 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: PA

Complaint narrative:
I have a personal checking account with a small overdraft protection credit line with XXXX XXXX. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that XXXX XXXX  had erroneously reported to the credit bureaus that there was a late payment in XX/XX/2023 that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XXXX  ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XXXX ( to pay the total balance in full ). 

Clearly, there was some error on XXXX XXXX XXXX end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, XXXX XXXX own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my XXXX XXXX  account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

XXXX XXXX  should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, XXXX, Equifax, etc. ). XXXX XXXX  should make sure that the account does not have any late payment or other potentially negative information. XXXX XXXX  should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposited a check for XXXX on XX/XX/XXXX seven day hold was placed, which is fine, funds are suppose to be available XX/XX/XXXX and now it's on hold until XX/XX/XXXX, how is that even possible? Not a foreign Check! Informing me they are closing my accounts with no details provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I created an account with Square ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and processed a credit card transaction in the amount of {$990.00} on XX/XX/XXXX. They then deactivated my account on the same day and sent me an email that they would transfer {$950.00} ( the amount in question less fees ) to my bank account on XX/XX/XXXX. As of this date, XX/XX/XXXX, they still have not transferred the funds to my account. Their phone and chat system will not connect me with a live customer service representative. I have emailed them but have received only a automated response that does not address why payment has not been sent despite passing the promised transfer date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I have several on authorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: Cascade CISS Holdings, LLC
State: MI

Complaint narrative:
I have several on authorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/ a fence contractor XXXX XXXX of XXXX asked me to Zelle him {$3500.00}. The payment options were only Zelle or cash to obtain village permit and materials before beginning the construction. I thought the banks and Zelle would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( XXXX XXXXXXXX XXXX XXXX said there is nothing they can do but as his bank ( XXXX XXXX  ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NC

Complaint narrative:
I have several inquiries on my credit report that are fraudulent on my Equifax that damaged my credit score Im not able to come a home owner because of this matter I need these inquiries to be removed XXXX XXXX inquiry date : XX/XX/22 removal dateXXXX XXXX XXXX XXXX inquiry XXXX removal date:XXXX XXXX XXXX XXXX inquiry dateXXXX removal date:XX/XX/XXXX XXXX XXXX XXXX inquiry dateXXXX removal dateXXXX XXXX XXXX XXXX inquiry dateXXXX removal dateXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LL Services Parent LLC
State: MI

Complaint narrative:
I have several unauthorized increase on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : AMEX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: CA

Complaint narrative:
Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and I XXXX that XXXX XXXX reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX XXXX XXXX  didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX XXXX to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on 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
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/, I purchased three chocolate bars from XXXX XXXX XXXX 
They do not accept credit cards online and requested payment as a XXXX payment. 
They provided a XXXX name and phone number to send the payment to. 
I paid {$50.00} per chocolate bar plus {$30.00} shipping, {$180.00} total. I never received the order and have tried to contact the merchant at the phone number provided for the XXXX payment and it is no longer a valid phone number. I have also tried contacting them several times via email and have not received a response. I contacted my bank, Wells Fargo and they did an investigation and told me my claim for reimbursement was declined. Please note, the correspondence from Wells Fargo is addressed to XXXX XXXX, who is my husband. The Wells Fargo account connected to my XXXX is our joint 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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX i was notified by Apple Card Services who is issued by Goldman Sachs that my Apple Card was temporarily on hold due to the back office making sure to keep me safe. I was a victim of cc fraud which is why I had to change my virtual number and etc. Apple told me it would take 10 business days to restore my account but never restored it and decided to on XX/XX/2023 they would close my account without letting me know. They never told me why they put my account under review in the first place. This account closure has made my credit score go down tremendously and as a cardholder it is unlawful for them to withhold why they closed my account and do it for no reason. I was a victim of card fraud then they close my account. I was told by XXXX agents and supervisors my account would not be closed that I have record and proof of. Apple Card is using unethical practices and I need my account back ASAP!!!! You can not close an account for no reason and not let your customer know.

Company response to consumer: Closed with explanation