vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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 sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is useless and should not have control over credit authorizations. The website is useless. I can not log on to the account and every option ( forgot password, forgot login ) leads to a dead end. It says it will send an email- it doesn't. it says it will send a text- it doesn't. it says it will call with code- it doesn't. it doesn't recognize my SSN with my account, address, or phone number. The customer support is useless. all the phone number does is lead you to a robot that doesn't understand what you say and then speaks about requesting by mail or going online. there is no way to speak to an actual person. There is no email address for support. There is no submission option on the website. I am trying to unfreeze my account so I can rent an apartment and now am in limbo and will be kicked out of my current apartment soon. I can't believe that this is necessary for this country.

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 2024-06-25 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: IL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-25 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: Cascade CISS Holdings, LLC
State: MS

Complaint narrative:
I completed an application for a HELOC loan through XXXX XXXX and spoke with a rep name XXXX. He stated that I was approved and that they will need to get an appraisal of the property to determine the value. He he pull my credit and also stated that my score was a XXXX and if I could get a XXXX that they could provide a 80 % loan. 

XXXX called back the next week stating that he wasnt licensed for XXXX and he was going to get someone who was. 

Then I received a called from XXXX XXXX stating that he was a XXXX XXXX rep and was going to be taking care of the file. XXXX then pull my credit again ( twice in 1 week with the same company ) and said I was not approved do to low credit score. The inquiry states xactus-XXXX XXXX. I did not knowingly speak to anyone from XXXX XXXX  and did not authorize a 2nd credit pull from the same company in 1 week.

I received a letter in the mail stating that the reason for denial was because of insufficient collateral. This is not what was stated to me because no appraisal was performed to calculate the equity, which I have {$120000.00} of appraisal equity. 

Due to XXXX XXXX inaccuracy of performance of my file, please delete this inquiry. There were misleading and incorrect information giving to me from the reps such as credit being pulled twice in a week from the same company, and XXXX ( 2nd rep ) being a rocket mortgage agent and I was told that credit was being pulled 1 time only and the original representative was not licensed in my state to handle my file. 

Lastly, I received a letter from XXXX XXXX  then saying I was denied due to value or type of collateral not sufficient. Although, we never got to to the appraisal process to determine the value. 

Inquiries : Avantus LLCXXXXXXXX XXXX XXXXXX/XX/XXXX ( unauthorized credit pull from an unknown company ) This inquiry is for the same loan when my credit was pull on the XX/XX/XXXX. I did not apply with XXXXXXXX XXXX at any time. Please remove XXXX XXXX XXXX XX/XX/XXXX ( Please remove due the the representative XXXX not being licensed for my state to perform a mortgage ) They are responsible for my credit to be pulled twice in a one week time period.

Please remove I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provision
s of 15 USC section 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I submitted a dispute to XXXX, XXXX and Transuion to dispute inaccurate information on my report. after 45 days and no response I contacted each credit reporting agency to ask if they received my dispute. They all confirmed that they did not receive my dispute even though I have proof and tracking that each company did indeed receive my dispute letters. I have attached the tracking receipt with the dates and addresses of the companies. I ask that someone hold them accountable for not taking this matter more serious I have several items that need attention on my report and it has now been two months since I first started this process

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. My application was denied immediately after. I contacted the bank and they said a letter would be sent indicating why the application was denied. 

I received the letter today and none of the reasons apply to me. 

Wells Fargo penalizes potential customers for paying off their credit card balance before the end of the billing cycle. 

Wells Fargo said I did not have enough " old accounts ''. This is not true and can be verified on my credit report such an active, in good standing card opened in XXXX for XXXX. I also have another card that was opened in XXXX. 

Wells Fargo said my loan and balance ratio was too high, which again did not make sense since I pay everything off.

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 2024-06-25 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: MN

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: MN

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have a {$25.00} American Express eGift card that I am unable to use ANYWHERE. I have tried using it numerous places with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a loyal customer of Chase Bank for nearly 15 years. 
A few months ago, Chase Bank 's customer service recommended that I switch to paperless statements. At almost XXXX XXXX XXXX XXXX, I have limited experience with technology, but I followed their advice and stopped receiving physical bank statements at my home address. 
On the afternoon of XXXX XXXX, 2024, I called Chase 's customer service department to inquire about the last ten transactions on my business account. During the review with the customer service representative, I discovered that between XXXX XXXX, 2024, and XXXX XXXX, 2024, a total of fifty-one unauthorized fraudulent charges had been processed on my Business Chase bank account, amounting to {$3700.00}. All these charges were made at a XXXX XXXX gasoline station ( with XXXX XXXX XXXX away from my house ), with more than {$1700.00} fraudulently charged for gasoline in a single month!!

I entrusted Chase Bank with my hard-earned money, and I am now requesting a full refund due to their negligence in safeguarding my account. Despite the fraudulent activity occurring from XX/XX/2024 to XXXX  2024, I never received any fraud alerts. On XXXX XXXX, 2024, I contacted the Chase Fraud Department to initiate an investigation and request a refund. Unfortunately, they denied my claim and would only acknowledge 30 days ' worth of the fraudulent transactions. 
I have proof that I always use XXXX ( a gas station next to my house for the last 15 years, 99 % of the times ). I never use that XXXX XXXX. 
Additionally, on XX/XX/ 2024, I visited the Chase branch near my home and asked the branch manager for an update on my refund and requested a letter acknowledging the fraudulent activity on my account. Unfortunately, the branch manager rudely denied the request, and I also asked the bank for a letter head from chase saying about all the fraud into my account and the manager XXXX XXXX said no. 
I am formally requesting that Chase Bank refund me the {$3700.00} of unauthorized fraudulent charges processed on my account and I need your help with this issue please because they do not want to, they offer me only a low amount less than {$1200.00}. I also filed a police report on XXXX XXXX, 2024 case # XXXX with officer XXXX XXXX - ID # XXXX District XXXX. 
I have the bank statements as proof but has my name, address, account #, etc...

Also the notices from the bank saying no to my all money stoled.

These are the months and amounts when the fraud occurred : XXXX XXXX 2024 through XXXX XXXX 2024 {$140.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$1100.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$670.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$1700.00} A total of {$3700.00} In advance I would like to appreciate all your help on this issue.

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: VA

Complaint narrative:
Original balance XXXX XX/XX/2023 current balance XXXX XXXX XXXX monthly Payment XXXX = XXXX plus returned items totaling {$800.00} Reporting Predatory lending the Original Creditor is not Showing on the credit report and balance has not been changed from initial use and returns made regardless of the payment made the installment is not being paid down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-25 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Approximately one month ago, a debt collection company named XXXX XXXX XXXX XXXX ( XXXX ) sent me a letter directing me to pay them {$8700.00}. I then reached out to them by calling XXXX. A representative answered and I explained to them that I do not have any such contractual obligation to pay them any money. The representative kept telling me that if I did not pay I would be arrested. I asked them to send me a contract that states that I have any obligation to pay them and all they kept stating was that I will be in big trouble if I don't make a payment. Again I explained to them that I do not owe them or any of their affiliates any money for any reason. The representative called me names and then I disconnected the call. They have yet to prove to me any type of contract bearing my name. I do not owe these people and do not have any contractual obligation to pay them.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed for bankruptcy in 2018 and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now XXXX states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or XXXX they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the Biden Administration but still that doesn't reflect either.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed for bankruptcy in XXXX and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now XXXX states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or XXXX they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the Biden Administration but still that doesn't reflect either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: AZ

Complaint narrative:
I filed for bankruptcy in XXXX and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now XXXX states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or XXXX they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the Biden Administration but still that doesn't reflect either.

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 2024-06-25 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: NY

Complaint narrative:
I have been unable to access my XXXX  account for nearly a year since XX/XX/XXXX of XXXX i have been requesting access to my myEquifax account and being given no help apart from case numbers for an escalation to their " TECHNICAL SUPPORT TEAM '' they said there would be a XXXX turnaround of XXXX business days til i would be given access this began in XXXX of XXXX where I have been calling and begging someone to help me. My most recent case number made today in an effort to give them one last chance is XXXX, once again the agent could give me no help in actually accessing and using my account and assured me it would be handled in XXXX business days.

Company response to consumer: Closed with explanation