vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: NE

Complaint narrative:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Hello, I keep getting notifications of credit reporting from a discover card Ive never had Ive tried to fix the situation with discover and they didnt try to help at all. Someone I dont know who or when took out a credit card out in my name. I would really like to get it removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed fraudulent/unauthorized inquires on my transunion and XXXX report from XXXX XXXX on XX/XX/XXXX  it needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/, I initiated complaint XXXX XXXX with the CFPB regarding potential fraudulent actions related to a hard inquiry on my Equifax credit report. As a response, XXXX XXXXXXXX XXXX Executive Response Team sent me a letter confirming that the hard inquiry was not initiated by me. 

However, the credit report wasn`t adjusted and I initiated additional complaint XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Equifax Bureau responded to this complaint with the following : " ... XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE XXXX XXXX XXXX XXXX XXXX XXXXXXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ... XXXX '' Based on several resources ( XXXX XXXX XXXX XXXX XXXX' is one of them ) the address from the credit report ( XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) XXXX XXXX ( what stands for " XXXX XXXX XXXXXXXX XXXX '' ) and refers to XXXX XXXX Credit Bureau Dispute Center XXXX 

As the company states " ... THEY ( " INQUIRIES '' ) ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. 

However, having the inquiry mentioned above it is not equitable as it disproportionately reflects the plausibility of the situation due to the result of the fraud investigation by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I own a XXXX business and signed up with chase bank to be able to accept credit cards. The first credit card transaction I accepted roughly a month ago was flagged by chase and put on hold for almost a week and was ultimately deposited into my account. Fast forward to yesterday I accepted my second credit card transaction from my customer and chase flagged it again and said I have to wait a week before its deposited. They claim this is all for customer safety but it is just tying up my liquidity for my business. 

Branch manager called back office executive office and made them aware so I assumed it would be sorted out but the money is still tied up and frozen by chase and I have received no call from them. Not the branches fault at all it is back office corporate side that is absurdly tying up and freezing my money. This is two for two this has happened it is happening 100 % of the time when I accept a credit card payment. I suspect its because I am a XXXX veteran I am being discriminated against. This is very stressful for me and hurting my XXXX XXXXXXXX business-please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  sent two letters to Transunion to Remove the following accounts. 
XXXX XXXX balance of XXXX account was to be deleted immediately by all Credit companies as they are no longer collecting or pursing. 
XXXX XXXX balance of XXXX. 
These two accounts are in direct violation of my fcra rights I have two letters from the bank ordering the bureaus to delete this erroneous 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 non-monetary relief
Consumer complaint received 2023-08-04 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: IN

Complaint narrative:
The disputed item was initially disputed on XX/XX/23 and denied. I spent months working with XXXX XXXX to investigate this hard inquiry, as I knew it was not mine. I have never had or applied for any XXXX XXXX account. Eventually, XXXX XXXX determined the hard inquiry that is on my report was due to a fraudulent credit application that used my information. After that investigation, XXXX XXXX issued me 2 letters, dated XX/XX/23 and XX/XX/23, respectively. The first letter stated that XXXX XXXX is sending the update to the credit bureaus to remove the hard inquiry and that should take 4-6 weeks. The second letter specified that an investigation determined the application was fraudulent and reiterated that updated information to remove the hard inquiry from my report was being sent to the credit bureaus and it may take 60 days to complete. When I pulled my Equifax credit report on XX/XX/23 and still saw the hard inquiry from XXXX XXXX, almost 8 weeks after the 1st letter was sent, I filed a dispute to have this hard inquiry removed again, this time armed with the letters that XXXX XXXX provided to me. I spent XXXX hours with XXXX XXXX attempting to verify whether Equifax reached out to them to verify the accuracy as they state in the dispute denial. I was transferred 5 times and no one could even determine who handles disputes. The last person I spoke to, I'm not sure what position or dept she was in because she mumbled so much, but she kept reiterating that the letter says it could take up to 60 days. Yes, one letter indicated it could take up to 60 days and the other letter, also from XXXX XXXX, indicated it could take 4-6 weeks. I disputed this information almost XXXX weeks after the letter indicating 4-6 weeks and 55 days after the letter that indicated up to 60 days. I said I needed to know explicitly if Equifax contacted XXXX XXXX to verify this information in the less than XXXX hours the dispute was open because if they did dispute it and XXXX XXXX denied the accuracy of my dispute simply based on the fact a full 60 days had not yet passed, even though they themselves deemed it fraudulent activity to be removed, then XXXX XXXX is not abiding by the FCRA. However, if Equifax is stating they reached out to XXXX XXXX and did not and decided to close the dispute without investigation, then THEY are not abiding by the FCRA. Whether XXXX XXXX was refusing to provide me with this information or simply could not, I do not know, so since I can not tell which company did not abide by the law under the FCRA and the duty to fully investigate all claims and remove all inaccurate information upon notification by the consumer that it is inaccurate, then I have to file complaints against both and let the agencies sort this out. Either way, SOMEONE did not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I've Disputed this bill multiple times, I've went in and also called in. They first told me they couldn't find the account. I've written into all 3 credit companies stating this account isn't mine. It was removed before and a year later added again. This account should belong to XXXX XXXX NOT XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was charged fees for overdrafts prior to my debits being paid and I wasnt overdrawn, this happened quite a few times, I paid once my check was automatically deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( identity theft affidavit and police report ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at [ your contact information ] at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am filing a complaint about a collection agency that has been attempting to collect a debt from me without proper validation. The debt was initially associated with a bank and is now managed by the collection agency. 

The last date of activity on this debt was XX/XX/2023, which is also the date it was reported. I have received numerous letters from the collection agency regarding this debt, despite never having directly communicated with them. 

Upon receiving these letters, I disputed the debt with both the collection agency and the credit reporting agencies. However, the collection agency 's response to my dispute was insufficient. They provided only statements of the debt, without any signed contract or concrete evidence proving that the debt is mine. 

In light of these facts, I believe that the collection agency is attempting to collect a debt that has not been properly validated. I request an investigation into this matter and ask that the collection agency ceases all collection attempts until they can provide proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TX

Complaint narrative:
XXXX, XXXX, & Equifax failed to comply with the Fair Credit Reporting Act. XXXX failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. XXXX, XXXX, & Equifax all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TX

Complaint narrative:
Please assist me with the removal of the fraudulent accounts listed on my FTC reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Good evening, Wells Fargo keeps denying my rights to arbitration under section 6 of my credit card agreement. I have requested arbitration to contest the results of two disputes : # XXXX & # XXXX many times but keep getting told I can not do so, despite it being in my credit Card agreement. I even have audio recordings of phone calls to Wells Fargo customer service, which show them denying my request ( attached ). 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through XXXX XXXX for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. XXXX XXXX has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TX

Complaint narrative:
Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through XXXXXXXX XXXX for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. XXXX XXXXXXXX  has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
As I was checking my records on my consumer report I have noticed a couple times that it says XXXX XXXX XXXX which is not my name I never use that name ever so I believe that somebody would use my identity back then and it's on my on my report on my credit report and I would like to find a way to change this cuz he's charges are being used under my name or coming up and hurting me

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