vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the past 6 months I have disputed items on my credit report, each time all XXXX credit reporting agencies along with the companies reporting fraudulent information. This has been since XXXX of XXXX, I have had to make a police report along with sworn statements, certified letters and notaries to correct the violations of my consumer rights. They have failed to show any proof of any account that has been disputed. I have personally called and been told that the credit reporting agencies have their own laws and dont have to remove anything on my credit report, this just happened XX/XX/XXXX. Attached are documents of arbitration in which I am demanding monetary relief for their blatant disregard for my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These account belong to someone else, Please investigate and remove these accounts.

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 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
I sent {$440.00} through PayPal to a friend and she never received it. I first thought that she didnt have PayPal but had Venmo but the PayPal agent said she did have an account and that she could see the transaction. We checked my friends PayPal account and there were no transactions listed. My bank did show the transfer out of my account on XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Upon applying for residency, I was notified in form of numerous application denials that my rental history is unsatisfactory. I contacted XXXX, XXXX and XXXX, whom stated that they had no knowledge as to why I was being denied. The credit bureaus does not have record of unpaid rental balances. I contacted Lexis nexus whom stated that their records show past evictions. I disputed the evictions with Lexis Nexus by phone but have not received any further correspondence as far as efforts on Lexis Nexuss behalf to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank credit card closed even though the account was in a good standing. Efforts to keep it open didn't work. The company even erased the online account such that payments can not be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-03 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-03 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: DC

Complaint narrative:
On XXXX a fraud alert/a frozen file was place on my Experian credit report and file, as I am a victim of ID theft. There is specific instruction to contact me before releasing my information. Experian has chosen to forgo federal regulations and shared my credit report with the following finance companies without my consent : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 -XXXX XXXX XX/XX/2024 -XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 -XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 ( not an error ) XXXX XXXXXXXX  XX/XX/2024 -XXXX XXXX  XX/XX/2024 Moments later I received an email stating my credit report was unfrozen and XXXX XX/XX/2024 I received another email from Experian stating that it is frozen again. I have not authorized any other these transactions. 

I called Experian on XX/XX/2024 and a representative confirmed that these hard inquiries were made. I asked for the Legal Department, I was placed on hold for XXXX minutes then hung up on.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I noticed unauthorized and unverified inquires on my Credit Report without my consent. 
Remove : XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023

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 2024-04-03 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: TX

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 3rd party. They in fact did not come from a 3rd 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank decided to close my account without any notification or explanation. I have a credit limit with them for {$4000.00}. My balance is only {$3500.00}. I have made all my payments on time. When I asked why they closed my account without my permission they said they have the right to do that. I asked them to reopen my account because I did not permit them to close it and they wanted to run my credit to reopen my account. I told them no, they could not run my credit because I already had an open account with them. So because I refused to allow them to run my credit, they refused to reopen my account.

The only response I received was that I continue to make my payment on the card. See Attached

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 2024-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I have asked for the wet signature, original contract, the account is showing " open '' with a " past due balance ''. Name of the original creditor and account number. An itemized statement of the current amount including interest, fees, payments and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I called the Chime Fraud Support and reported several transactions that had been done on my account with my card and pin on the dates of XX/XX/XXXX and XX/XX/XXXX for the amounts of $ XXXX $ XXXX $ XXXX $ XXXX {$400.00} and {$48.00} all done at the same place and same location of XXXX  XXXX XXXX. I was at this location myself on XX/XX/XXXX However my card was stolen after trying to use it at the ATM. So therefore there was a total of 2 days of transactions totaling {$1300.00} with the {$2.00} fees which I was also charged when the person used the ATM. I by the way did not realize the card had been stolen until XX/XX/XXXX when I reported it. There were a total of XXXX {$2.00} fees. I reported all of this on XX/XX/XXXX. On XX/XX/XXXX my claim reported for this was DENIED and the explanation was very unclear and did not prove to me how or why this decision was made. These funds were taken from me. I am a single mother with one income and I explained this to them when making the claim. I can not afford for a Rent payment to be stolen from me and not get the funds returned. So on XX/XX/XXXX @ XXXX after a very long day at work I called again to the XXXX customer service and asked why my claim was denied and if they could reopen it and the representative XXXX XXXX yes it would be opened and they would review it again. On XX/XX/XXXX at XXXX for a second time I received a email that AGAIN the claim was denied Claim # XXXX same claim number as the original call and claim on XX/XX/XXXX. I am beside myself loosing this much money and not getting the funds returned to me. I have resorted to this because I am totally not willing to let this be just be ok and denied when this was my hard working money stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
i'm a victim of identity theft and today XX/XX/2024 i logged into my credit file to get a new updated credit report and noticed that after several disputes CAVALRY PORTFOLIO SERV is still intentionally reporting a fraudulent debt of {$410.00} to credit reporting bureaus, i have never done business, signed any contract or documents with CAVALRY PORTFOLIO SERV or anyone they are collecting for, I do not wish to contract or do business with CAVALRY PORTFOLIO SERV. i have requested all all itemized transactions and statements so i could investigate CAVALRY PORTFOLIO SERV has not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC.
State: LA

Complaint narrative:
On XX/XX/year> I deposited a check with Axos bank. The check came from XXXX XXXX. The check was supposed to deposit XX/XX/year>, but Axos could not deposit it because they said XXXX XXXX stopped the check. XXXX XXXX says they never stopped the check and Axos should be able to disperse the funds. I am now overdue being paid by over a week and I may have defaulted on a loan because of this mix up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MO

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: OH

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief