vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2600.00} ), XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX. ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX. ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX, ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX ), Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting 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 2022-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am having a continual issue of opening up a checking, savings, and secured credit card account with U.S. Bank due to having previous U.S. Bank accounts that was XXXX under XXXX XXXX bankruptcy 2 years ago and me having a previous bankruptcy on my XXXX XXXX, XXXX, XXXX, and XXXX XXXX credit report. U.S. Bank is refusing to open any accounts for me due to the previous accounts that was XXXX in bankruptcy in the U.S District Court District of Minnesota Bankruptcy Court. U.S. Bank is discriminating against me based on my previous relationship with the bank, based on my race, income, and me having a previous bankruptcy on my credit reports. U.S. Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My complaint is against Equifax. They are continuing to report derogatory information against me regarding a collection account by XXXXXXXX XXXX The collection company has requested Equifax delete this negative tradeline but for some reason Equifax is refusing to delete the tradeline. 

By law, Equifax is required to report accurate information and by failing to delete this tradeline per the furnishers request they are in violation of the Fair Credit Reporting Act. To remain in compliance with the Fair Credit Reporting Act Equifax must delete this tradeline immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$950.00} XXXX  reports {$0.00} equifax reports {$910.00} they are reporting different dates of last payment on my report XXXX  and XXXX  are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference .....

they are reporting 3 different high credit limits XXXX  reports {$950.00} experian reports {$0.00} XXXX reports {$910.00} they are reporting different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX   WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: MO

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
Floor XXXX XXXX, AZ XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX  XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/XXXX, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: TN

Complaint narrative:
Grain Technology has inaccurately reported a 30 day late payment on my credit reports. My minimum payment is {$20.00} due on the XXXX of each month. The late payment is for the month of XXXX. My due date was XX/XX/XXXX. I made a payment of {$25.00} on XX/XX/XXXX XXXX days after my due date. It was a few days late but Not 30 days. Grain Technology acknowledged the payment through email on XX/XX/XXXX. A week later after acknowledging payment Grain sent me an email stating I was 2 weeks past due on my account. I was very confused by this but knew it clearly had to be an error in their billing department. So I tried to contact Grain immediately. Grain has no way of communicating with customers. Their phone number is an automated voicemail and they dont respond to emails or letters. They are also breaking the law by not having a way for customers to directly dispute an issue with them. Ive also disputed the late payment with XXXX and XXXX it has not been reported to my XXXX report yet. After sending proof of payment XXXX has still denied my request for removal. XXXX is going to send results in the mail. 30 day wait time thats a long time to wait while my credit score has been ruined by this. I want Grain Technology to inform the Credit Bureaus to remove this inaccurate 30 day late from my credit reports update my account to the correct balance and create a way for customers to communicate with them. This could have easily been resolved with a phone call but they have no customer service. That is unacceptable when you have such a major responsibility to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
I believe I qualify for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The purpose of the fund is to give monetary mortgage relief to qualified applicants who were financially impacted by economic effects of XXXXXXXX XXXX Due to the XXXX XXXX XXXX XXXX XXXX XXXX I was unable to pay my property taxes for XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) paid those XXXX due in the amount of {$10000.00}. The servicer of my XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) claims the amount paid by XXXX is {$10000.00}, but their tax records are inaccurate & incomplete. The mortgage servicer at the time I applied for XXXX was NOVAD Management Consulting LLC. NOVAD sent me a Due and Payable Demand after my XXXX request for assistance. If my XXXX application was approved, funds to clear the debt would have been sent directly to the mortgage servicer, NOVAD. My application was cancelled because NOVAD refuses to participate in the federal mortgage relief program, thus denying me access to federal relief funds that would pay the debt to XXXX in full and remove my property from a Due and Payable status. XXXX was NOVAD 's employer at the time of application, thus denying XXXX a {$10000.00} repayment. NOVAD lost their federal contract to service XXXX assigned XXXX effective XX/XX/2022, due to their incompetence, fraud & extortion, which left my XXXX XXXX XXXX in shambles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I submitted everything chime asked for they closed my acocount instead of seeing why my funds was tooken when they emailed me about a chip issue a years later they dont wan na return my funds they closed my account when I asked for my money for the XXXX years a years and some months later they just keep lying and now they say they cant help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I used XXXX through J.P. Morgan chase bank to my salon land lord. It went through on my end and it was not received by his bank. I asked chase to track the transfer but instead they put it in as a dispute. I dont dispute the money they was sent I am asking them to track where they sent it to since the owner did not receive it. Tracking number was XXXX. I can not get anyone from chase to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XX/XX/2022 : My minor daughter received XXXX checks delivered on XXXX  which she deposited using XXXX. 
XXXX XX/XX/2022 : New online devices, that are not known to us, were added to the account. 
XXXX XX/XX/2022 : XXXX ( XXXX ) unauthorized payment transactions each for {$1000.00} and XXXX transaction for {$500.00} were made out of her account. 
XXXX XX/XX/2022 : XXXX of the {$1000.00} and the {$500.00} transactions failed. 
XXXX XX/XX/2022 : I noticed the above transactions while reviewing my account online and called the Truist fraud line to start a fraud complaint. Truist stated they would send me documentation to fill out and submit. 
XXXX XX/XX/2022 : I visited my local branch office to report the fraud in person. 
XXXX XX/XX/2022 : I received the above documentation and a denial of claim letter. 
Complaint has been filed with the FBI XXXX XXXX XXXX XXXX Despite determining that both her Truist and XXXX accounts had been compromised, Truist maintains that the transactions were authorized and would not refund the money. Later they did refund XXXX {$1000.00} transaction. In the end she was defrauded of {$5000.00} because of Truist and XXXX. 

Additionally, in the claim denial letter it was stated that I could receive all documentation related to the claim which I have asked for multiple times. Truist claimed, contrary to their own letter, that the documents were internal use only and that I would not be allowed to see them. After much discussion I got the online representative to agree to send the documents to me but that has not happened. 

If they maintain the transactions were authorized then they should prove it. The transactions were not authorized and they just expect us to take their word for it?

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