vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: AR

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
I Paid my credit card bill on time. TransUnion is reporting it as late. I have proof that they are reporting it wrong. I would like to have the late payment removed immediately. It is delaying me from getting a home for me and my family. The credit card bill is due XX/XX/XXXX and I paid it XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: LA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Unknown Creditor Reporting XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX Account Ending : XXXX Alleged Account Balance {$0.00} Alleged Credit Limit {$500.00} Allege Available Credit {$500.00} VALIDATION AND CEASE AND DESIST To Whom It May Concern : I received a notice from the national credit bureaus that you have listed a negative report on my credit report ; however, I have no idea who you are and have never had any business transactions with your company. If, in fact, I have an available credit of {$500.00} and a credit limit of {$500.00} and owe a XXXX balance, why on earth would you be reporting this to my credit reports? 

Can you supply me with a contract or agreement signed with your company? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED WHICH IS XXXX BALANCE. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR IF THERE WAS ONE. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount again showing a XXXX balance to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

______________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Unknown Creditor Reporting XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, OR XXXX Account Ending : XXXX Alleged Account Balance {$0.00} Alleged Credit Limit {$500.00} Allege Available Credit {$500.00} VALIDATION AND CEASE AND DESIST To Whom It May Concern : I received a notice from the national credit bureaus that you have listed a negative report on my credit report ; however, I have no idea who you are and have never had any business transactions with your company. If, in fact, I have an available credit of {$500.00} and a credit limit of {$500.00} and owe a XXXX balance, why on earth would you be reporting this to my credit reports? 

Can you supply me with a contract or agreement signed with your company? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED WHICH IS XXXX BALANCE. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR IF THERE WAS ONE. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount again showing a XXXX balance to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

______________________________ 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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2024 I was sent a text and emails saying to call Chase Bank because my accounts were at risk of closing. I called and was told my account is restricted and they made the decision to close my account ( with all my money in it ). They took the money. I had a direct deposit go in to my account ending in XXXX. And they are holding the direct deposit. I am a single mother with that being my only income to support my child. I need these funds released to me immediately. I tried going down to a branch. Tried calling multiple times. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
During the week of XX/XX/year>, I requested by way of dispute the removal of information in question concerning several accounts. They have not removed it from the accounts in question.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

- XXXX, Account # XXXX, REMOVE Late Payment - XXXX, Account # XXXX, REMOVE the remark " XXXX Potentially Negative Months ''. 

- XXXX, Account # XXXX, REMOVE the remark " XXXX Potentially Negative Months. '' - XXXX, Account # XXXX, REMOVE the remark " XXXX Potentially Negative Months. '' 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 or 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I reached out to Experian to remove the damaging information from my credit report and they have not done so.

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 2024-05-20 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: PA

Complaint narrative:
There was multiple accounts in my name with XXXX XXXX  that I did not open that was fraudulent. The total balance for all the accounts was {$4000.00}. I noticed this on my credit report and every time. that I disputed with XXXX XXXX they want to take so long getting the job done that they reported back to the Credit borough of being in mines so they can have more time with it because the three credit Credit Bureau Only allow 30 days and they dont allow any more time which is fine with the company XXXX XXXX they taking longer to do the investigation and reporting back to the creditors that the account is mine because it need more time. I just want this removed off of me, mess up and things like that.

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 2024-05-20 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: IL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have excellent credit - I decided to get a Citi cards travel card for the admiral 's club benefit. The annual fee for this club is XXXX. They decided to close my account after 45 days due to having an investment into a XXXX company in WA state... .which is 100 % legal. They did not disclaim that I could not be invested in a XXXX company before approving my credit card application. They said I would no longer have my benefit to the lounges and would not refund me the {$590.00} charge. I paid off my balance other then the {$590.00} charge which I refuse to pay since I did not receive the benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to formally dispute the reappearance of an item that was previously deleted from my credit report. The item in question pertains to XXXX XXXX  accounts # XXXX and # XXXX This item was deleted from my credit report on XX/XX/2024 after a successful dispute. However, upon reviewing my recent credit report dated XX/XX/2024, I have noticed that the item has been reinserted. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, the credit bureau is required to notify the consumer within five business days of re-reporting a previously deleted item. I have not received any notification regarding the reinsertion of this item. Therefore, I am requesting the immediate re-deletion of this item from my credit report. 

For your reference, I have included copies of the following documents : 1. The response letter from TRANSUNION confirming the deletion of the items dated XX/XX/2024 XXXX. The response letter from XXXX XXXX  confirming the deletion of the items dated XX/XX/2024 XXXX. A copy of my recent credit report showing the reinserted item dated XX/XX/2024 Please conduct a thorough investigation and provide written confirmation of the actions taken regarding this dispute. Additionally, I request that you provide a copy of my updated credit report reflecting the removal of this incorrect information. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,

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 2024-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/XXXX I opened a HYSA with Marcus by Goldman Sacs. I funded the account by connecting my XXXX XXXX HYSA with Marcus. Marcus accepted an incoming {$17000.00} ( the balance of my entire savings account ) and credited it. On XX/XX/XXXX I connected my XXXX XXXX XXXX XXXX account to my Marcus account. I then processed a {$4000.00} transfer ( withdrawal from Marcus ). It claimed it would take two - three days. On Thursday the XXXX I received three calls, back-to-back, while on a XXXX  call. I called them back as soon as my meeting finished and it was Marcus. The person I spoke to said she needed to verify me but because my cell phone number showed ported ( I have had my number and XXXX account for over 20 years ) that she could not verify me that way, she would need my license number. I gave her that and she said that also would not work so she had no way to verify me and would connect me to someone else. That person asked if I have a second cell phone and like any other person said no. She said she also could not verify me and a special department would call me back. I have called in again to only be told again they can not help me. I contacted XXXX XXXX XXXX XXXX  on Friday the XXXX and asked if they show any incoming funds ( at this time the Marcus account showed a deduction of {$4000.00} ). They said nothing was incoming. Today is XX/XX/XXXX and thinking maybe the issue was somehow XXXX XXXX XXXX XXXXXXXX, I connected my XXXX account. I have also had my XXXX account for over 25 years. I attempted to do a smaller

, {$2000.00} withdrawal and the system gave me an error and said call customer service. Who, can not verify I am me, even though they gladly accepted my {$17000.00} life savings! Currently Marcus is withholding my {$17000.00} and I can not access it or talk to anyone. I told the customer service person that was unacceptable and I would like to talk to a supervisor and she said " a supervisor can not help you, only someone from that department can help you and that may take a few days to call you, is this an emergency? '' I said " yes '' and she said " I will note that ''. That was Thursday. Today is Monday. As of this morning the full {$17000.00} balance again shows in my Marcus account. Please help me! They have my money and I can not talk to anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
I'm rewriting to complaint to TRANSUNION about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, and I go by XXXX XXXX XXXX XXXX 
My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

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 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RN Financial, LLC
State: MO

Complaint narrative:
I took out a {$500.00} installment loan. I paid {$200.00} of it off and was diagnosed with XXXX XXXX. I was no longer able to pay. I had been fighting for my life and was taken to court. A judgment of {$2500.00} was given against me on the {$500.00} loan. I also have a XXXX XXXX XXXX XXXX XXXX and have relayed all of this to them trying to work out some type of payment plan. They have shot down everything. They now say I owe over XXXX and are absolutely not willing to work on a payment plan with them. I have offered XXXX, XXXX, XXXX, and now XXXX and they would rather garnish my bank account that is negative. They are ruining my life over a {$500.00} loan. I believe they are not upfront with the interest charges as no where did it ever say I could end up owing XXXX XXXX dollars on a {$500.00} loan. I lost my mother to XXXX XXXX and have been fighting for my life and this company has no humanity at all. I just want them to be reasonable and work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
XXXX accounts open at m & t bank under my name without my consent. I called the banks customer service center and was told all XXXX accounts were closed.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX which was over 8 months ago regarding unauthorized inquiries and accounts on my Experian report. An FTC report was already submitted. Please see the attached dispute letter which is dated, and time stamped and remove the following authorized inquiries from my credit report within 7 days : XXXX XX/XX/XXXX and this unverified collection account XXXX XXXX ( Original Creditor : 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 explanation