vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have requested my yearly credit report XXXX, XXXX, XXXX and did not recieve a responce. I requested twice this year XXXX and have not recieved a responce. 
The Company name is Equifax. It very hard to buy property without this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-03-20 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXXXXXX XXXX XXXX Account # : 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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a phone call from the debit collection supposedly a XXXX credit card it is over XXXX XXXX XXXX they are trying to get the money from which, I signed the tolling agreement. I have not heard or been notified over tens and now they want to sue me for XXXX. Can this be possiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
As of XX/XX/XXXX Chase XXXX ( aka WePay, Inc ) canceled my XXXX XXXX account. They began withholding my funds as of XXXX XXXX. After several attempts to contact and reach an understanding - the best reason they could give me was that there wasn't a reason and their team just decided it was time. 

I tried appealing the case and they turned me down once more. After multiple emails regarding the appeal I ended having to call in a couple more times as they didn't answer my email. 

To date- they are indefinitely withholding {$3200.00}. Being that I'm a small business owner this is obviously a very big deal. Trying to make payroll with funds that never came through is tough to say the least. 

I believe this also breaches their deposit agreement since they're holding the funds indefinitely without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
Despite numerous written requests, the unauthenticated accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureaus have neglected to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the stipulated timeframe, persisting in reporting unverified information. Considering all my efforts to resolve this matter directly with the creditor, this now amounts to deliberate negligence and non-compliance with federal regulations. I urge you to completely remove the following accounts from my credit reports. 
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 explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Demand for Immediate Action and Compensation for Inadequate Removal of Fraudulent Account *NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT* *Complaint Details : * This complaint is filed against TransUnion LLC for their failure to remove a fraudulent account from my credit report, despite clear evidence and multiple disputes. This failure has resulted in unnecessary emotional discomfort and financial harm.

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 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I attempted two times to open an account online and I was directed by email to take documentation to a branch office. I took the documentation and both times were ad used they could not assist in opening the account and could not give me any reason. I was given a number to call and they also were not helpful. The bank refuses to provide me the exact reason why they refuse to open a checking account in my name. I pulled my chexsystems report and there is nothing there that is negative and nothing on my credit report either. I have even taken off the credit alerts from 2 of the 3 major credit agencies. 1 of them is forcing me to submit the request by mail.

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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no association with the listed creditor and did not authorize this inquiry. This unauthorized inquiry is affecting my credit score and financial standing, and I kindly request that it be promptly removed from my credit report.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have 2 credit cards with Citibank. Both have balances close to the max credit limit due to making balance transfers to take advantage of low interest or zero interest offers. On both cards, I have made large payments to lower my utilization since the cards are hurting my credit score for being maxed out. Each time I make a large payment, my credit line has been reduced so I am still maxed out on both. Most recently, I made a {$3000.00} payment on one yesterday, and received a notification today that my credit limit has decreased by a little over {$3000.00}, so my utilization is still almost 100 %. Citibank only gives the generic answer of " credit is often monitored and adjusted due to risk factors ''. I have never had a late payment with this company and no late payments showing on my credit report.

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 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I was seen for XXXX XXXX XXXX  at XXXX XXXX. There were several bills related to this service, and for some reason XXXX XXXX XXXX XXXX XXXX ( my medical insurer at the time ) did not pay for one approximately $ XXXX. I was not notified by the XXXXl that the insurance did not pay for this bill until over a year later. I contacted XXXX to try and resolve/dispute the claim not being paid. Myself and the Medical Insurance advocate company XXXX contacted XXXX XXXX to let them know we were in the process of appealing/working with the insurance company. During this time XXXX processed a deduction for a " true cash pay '' to lower the amount to {$4800.00}. Instead of holding off while I worked with XXXX XXXX XXXXXXXX instead in less than 15 days after this contact sent the claim to AMSHER in AL, a collections company. This was in XX/XX/XXXX. 

I never received written correspondence of this until it showed up on my credit report as a collections account in late XXXX XXXX. 

My wife 's boss was able to work through their HR Department/Company and XXXX reprocessed the claim paying it in full for the $ XXXX. 

XX/XX/XXXX I received the EOB from XXXX XXXX XXXX  showing it was paid in full. I contacted XXXX XXXX and verified the account was paid. 

I then contacted XXXX and disputed the XXXX XXXX XXXX as the account had been paid and needed to be removed as it was paid by insurance and should not have been on my account. The bureaus validated the claim with AMSHER who still showed it as outstanding in the amount of the $ XXXX. 

I contacted AMSHER XX/XX/XXXX and was told they would refuse to remove without providing proof of being paid. I requested we contact XXXX XXXX and so we could provide that and was told " no, you need to get paperwork to prove it was paid. '' I asked for them to email the information so that I COULD provide it to them and was told " No, I won't email you. You can write down the email to send the documentation to, and that it could take up to 75 days before they process anything they receive from XXXX XXXX. '' I believe AMSHER is A ) not properly notifying people of a claim against them in a timely manner before opening a 'line of credit ' regarding the outstanding collections. B ) Not processing/updating their information in a timely manner. C ) Not verifying if/when accounts they have opened with a creditor have been paid in timely manners D ) Showing accounts that should have been closed-paid Medical Debt, as still open/owed collections on peoples credit reports negatively impacting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2024, I made a XXXX transfer to a friend 's email linked with Capital One. 

After I had made the XXXX transfer, she received an email from XXXX XXXX with this email address : XXXX Stating the following : Dear XXXX XXXX We have successfully deposited the {$130.00} payment ( confirmation number XXXX ) into your account ( XXXX XXXX, XXXX, Simply Checking, XXXX ). 

My friend notified me immediately of this email from XXXX XXXX and informed me that she does not have a bank account with XXXX XXXX  and she never did in the past. 

According to Capital One 's investigation that led to my fraud claim being denied three times, I was responsible for inserting the proper recipient information such as email address linked with XXXX. I want to reiterate that I DID use the correct email linked to my friend 's XXXX/Capital One account. However, for some unknow reason the documentation provided by Capital One which was my XXXX transfer to my friend had her banking with XXXX. XXXX could not explain why my friend 's email was linked to XXXX BXXXXnk in the first place. XXXX was not helpful and directed me to Capital One to discuss. They are just a third party app. 

I had the correct email for my friend. She can not retrieve {$130.00} deposited into an account ending in XXXX because she does not have a XXXX XXXX  account. She has no idea why XXXX would had linked her with XXXX to behind with. 

I submitted a fraud claim with XXXX XXXX  and unfortunately, they were not able to create a reference number since I am not banking with them. They did review the documentation and confirmed verbally that my friend never had an account with XXXX XXXX. 

I requested Capital One to contact XXXX XXXX  Manager in XXXX XXXX, XXXX, Maryland, She would confirm this information. I dont believe this was done by Capital One Fraud Investigation Team . 

As a side note, my friend also went to file a fraud claim with XXXX XXXX  and she was not able to since she is not banking with them. 

I want to ask if you can please investigate this issue that is alarming. I expect more from my financial institution and mainly the skills of their fraud department to conduct an investigation that is affecting their customers. 

As of now, {$130.00} was taken out of my account thru XXXX and Capital One. XXXX XXXX  does not have them and my friend cant retrieve because she is not banking with XXXX XXXX  and never did. 

I did an internet search and others were scammed the same way I was. They received that same generate email with different names of financial institutions. 

How is it that a multibillion financial institution cant seem to get their expert on this to get to the bottom of this and protect their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I Was Looking At My Consumer Report And these Accounts Look Weird To Me : The Last Date Of Activity, The Last Date Of Payment, The Account Number, The Account Balance, Everything On these Credit Items On My Consumer Report Looks To Still Be Incorrect & Incomplete. I Have Disputed These Accounts Multiple Times With Both You ( XXXX  ) and Experian And Both Of You Have Failed To Throughly Investigate & Update The Account To Be Complete And Accurate. I Refuse To Pay These Alleged Debts And I Am Now Asking You To Please Delete These Items From My Consumer Report Because They Are Not Accurate And Not Complete Even After Multiple Reinvestigations. I Never Gave My Authorized Consent to Report These Accounts and You Have Also Failed To Disclose Of My Right To Opt Out Of Reporting. Please Delete The Accounts. I Greatly Appreciate You. 

Please see attached. 

Account Name- XXXX Account # XXXX ( {$290.00} ) Account # XXXX ( {$63.00} )

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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I tried to dispute through XXXX and get it removed because of its inaccuracy .This company is claiming I owe {$11000.00} I have original bill states I owe XXXX $ statement date XX/XX/20 I feel like this company is taking advantage will be seeking out to a attorney if this is not resolved the proper way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I would like to draw your attention to the fact that I have doubts about the correctness of the information that is affecting my consumer rights and appears on my credit record. I feel that I am entitled to be handled fairly by the people in charge of this data. Please provide me all of the information that is available on how the errors happened and how you plan to fix them to guarantee adherence to the Fair Section 611 of the Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681I ) and XXXX XXXX compliance requirements. 

XXXX  - THE XXXX {$880.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$880.00} XXXX XXXX CO XXXX XXXX {$0.00} CALIFORNIA XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX {$570.00} XXXX XXXX - XXXX {$3400.00} XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$3300.00} XXXX XXXX XXXX - XXXX {$3400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXXXXXX {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20 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: CA

Complaint narrative:
I would like to draw your attention to the fact that I have doubts about the correctness of the information that is affecting my consumer rights and appears on my credit record. I feel that I am entitled to be handled fairly by the people in charge of this data. Please provide me all of the information that is available on how the errors happened and how you plan to fix them to guarantee adherence to the Fair Section 611 of the Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681I ) and Metro 2 compliance requirements. 

XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$880.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX - XXXX {$570.00} XXXX XXXX - XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$3300.00} XXXX XXXX XXXX - XXXX {$3400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX - XXXX {$880.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
I did not consent to any of these inquiries as these inquiries were not mine.

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 2024-03-20 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with explanation