vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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: IA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: PA

Complaint narrative:
This company is not showing the update balance on my account. They only report when they feel like it. Also, I have an closed account with them that is still showing up on my report with late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX IS REPROTING INACCURATE INFORMATION ON MY CREDIT FILE AND REFUSE TO REMOVE THE VIOLATION OF THIS MATTER AS IT HAS BEEN ADDRESSED ON SEVERAL OCCASSIONS, THE ACCOUNT XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) IS REFLECTING A OPEN BALANCE ACCOUNT STATUS AND THE ACCOUNT HAS LONG BEEN SETTLED AND PAID OFF THIS INFORMATION SHOULD NOT BE REFLECTIN ON MY CREDIT REPORT AS A DEROGORTORY ACCOUNT AS IT IS NOT AN OPEN ACCOUNT. ALL OTHER CREDIT BUREUS HAS UPDATED THIS INFORMATION BY REMOVING THIS ITEM FROM MY REPORT BUT EQUIFAX HAS REFUSED TO REMOVE AS I WILL NOT CONTACT AN ATTORNEY AFTER SEVERAL ATTEMPTS TO HAVE THIS ITEM REMOVED WITHOUT SATISFACTION. Also Equifax, and XXXX IS FALSLY REPORTING XXXX XXXX XXXX, FILE # XXXX, AS OPEN STAUTS ACCOUNTS WITH BALANCES. I HAVE NEVER AUTHORIZED XXXX XXXX TO UTILZE MY PERSONAL INFORMATION FOR DEBT COLLECTION NOR DID I GIVE THEM AUTHORIZTION TO USE MY INFORMATION FOR THIS HARRASSING PURPOSE AS THEY REFUSE TO RELEASE THE AUTHORIZATION GIVEN THEM PERMISSION TO HARRASS AND UTILIZE MY INFORMATION FOR DEBT COLLECTION PURPOSES. WHICH I BELIEVE IS THE CAUSE OF MAJOR IDENTITY THEFT BECAUSE NO ONE GAVE XXXX THE RIGHT TO SELL PERSONAL INFORATION TO DEBT COLLECTION AGENICIES. ALSO XXXX IS REPORTING POTENTIALLY NEGATIVE INFORMATION ON MY CREDIT REPORT AS ALL ACCOUNT XXXX, XXXX XXXX ACCOUNTS ARE ALL IN GOOD STANDING AND REPORTING POTENTIALL NEGATIVE INFORMATION ON MY CREDIT REPORT WHICH IS INACCURATE INFORMATION VIOLATING MY CONSUMER PROTECTION RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Per CFPB report # XXXX : Santander has provided a completely false response to the Consumer Financial Protection Bureau . Santander claims they are unable to respond to this complaint because it " involves the same issues raised in pending or prior litigation. '' Santander continues to engage in unscrupulous business practices and this behavior has also been reported to the XXXX XXXX XXXX and Attorney General of XXXX 

I have NEVER before raised a complaint against Santander, let alone am I involved in ANY pending or prior litigation with this company. If Santander continues to assert this is true, it must provide proof of said litigation. If no proof can be provided, it must immediately update my account status to reflect " OK '' and/or " Open/Never Late, in accordance with legal requirements and factual correctness, per 15 US Code 1681a.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
UNDER THE LAW 15 U.S.C.1692C ( C ) IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CUNSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: MI

Complaint narrative:
I was contacted by the Resident adovacate-debt collector for a move out late notice charges of around XXXX dollars. I disputed the charges but they came back to me in XXXX days that I need to pay the money. I asked for evidence of late notice showing that I provided move out notice on XX/XX/27 but they are not providing XXXX. They repeatedly saying that they provided validated of charges but it doesn't have any late notice included. I emailed the debt collector multiple times not to contact me without the evidence of late notice but they keep on sending the emails. I sent XXXX 's of emails not to contact me without proof of late notice but they are sending emails every other day. 

XXXX : The debt collector contacted me within the same day of receving the notice from the apartment company. I find it too soon for the debt collector to reach out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I am writing to file a formal complaint against JPMCB ( Chase Bank ) for violations of the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies and improper reporting practices on my credit report that I believe contravene the FCRAs requirements for accuracy and completeness. 

Unauthorized Change of Account XXXX : JPMCB changed the name of the fraud account that I have already complained about and reported this change to the credit bureaus without notifying me. Seems as if they are trying to find a way too continue reporting this fraudulent account. This action has resulted in confusion and potential inaccuracies on my credit report. According to Section XXXX ( a ) ( XXXX ) of the FCRA, furnishers of information are required to report accurate and complete information. Changing the name of the account without my knowledge could lead to inaccuracies and misrepresentation of my credit information. 

Duplicate Account Reporting : JPMCB has reported the exact same account twice on my credit report. This duplicate reporting is a clear violation of Section XXXX ( a ) ( XXXX ) of the FCRA, which mandates the accuracy and integrity of the information provided to credit bureaus. The presence of duplicate accounts on my credit report inaccurately reflects my credit history and can negatively impact my credit score. 

Specific Violations Violation of Section XXXX ( a ) ( XXXX ) : By changing the name of my account without informing me, JPMCB has potentially reported inaccurate information. 
Violation of Section XXXX ( a ) ( XXXX ) : By reporting the same account twice, JPMCB has compromised the integrity and accuracy of my credit report. 
Failure to Notify : JPMCB did not notify me of the change in the account name, which can be argued as a failure to ensure transparency and fairness. 

I request that the CFPB investigate these issues and take appropriate action to ensure that JPMCB corrects these inaccuracies. Specifically, I request that : JPMCB removes these accounts from all credit bureaus, and also hrequest the cfpb, the XXXX and the occ to help me with a civil lawsuit against them to ensure similar issues from occurring. 

I have attached copies of my credit reports with the accounts showing multiple times as well as the name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-05-27 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, XXXX XXXX, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: AR

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-05-27 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: IA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX I have filed three complaints on Synchrony Bank for not closing a fake account in my name in XX/XX/XXXX. Synchrony refused to close the card which w

as an Amazon credit card. Then when they closed the card, It was a balance over {$5000.00}. Synchrony Bak put on my credit report and runin my credit score. I contact the credit report company and sent information about how I contact the bank and the report I filed with the XXXX  and the credit report company XXXX XXXX report the information off of my credit report. 

Then a few months later I started getting letters from Amazon Credit Card. Synchrony Bank is still trying to ruin my credit score. I get at least one bill a month from Amazon Credit card. The Amaonzon credit card is issue by Synchrony Bank. This bank is still trying to ruin my finacial record.

I need CFPB to do something here. This is unethical and you know it.

I want to file the complaint against Amazon Credit Card Company. They are filling report on my credit report after XXXX XXXX removed the false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

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 2024-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
I had done an ACH transfer of {$13000.00} USD from my XXXX  Checking Account to my XXXX XXXX  account ( XXXX ) on XXXX XX/XX/year> and I received an email saying that it would take a maximum of 3 days for the money to reach Wise. On XXXX XX/XX/year>, I tried checking my email to see if I had received any email confirmation that the amount has reached Wise, but did not see any concrete information. I then checked the app which says it would need more time for the money to reach Wise but I do have the option of cancelling the transfer now which would then have the money refunded to my bank account within XXXX days. Hence, I proceeded with the cancellation of the transfer request. Upon having the cancellation approved in the app, I did not receive any notification confirmation from Wise that the refund back to my bank account was to begin. This was concerning. 

Up to this point, on XXXX XX/XX/year>, there is still no signs of the refund being issued. I have contacted customer support multiple times for clear timelines and an investigation to be done on what happened to my funds that exited my bank account and are 'in transit ' to Wise . Yet, I continued to receive generic support to refer to details on their website which is unhelpful to my case.

Company response to consumer: Closed with explanation