vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX 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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo bank in XXXX XXXX ca. closed my account even though I complied with there request for my resident address. 

I received a notice stating there was a compliance problem with the address on file ( even though I have been with the bank for number of years ). They said that account would be closed if I did not do so I made an appointment with the bank, give them the corrected address and they entered it into the computer. They said all was well I received another letter a week later stating the same thing. So, I made another appointment and went back to the bank. They apologized and said was entered incorrectly. So, I gave them the same information and they said that it was correct and that all was well. 

Then a few days later I logged into my account and my account had been closed. 

I had direct deposits from XXXX, XXXX and my pension check. 

Now I do not know where my direct deposits are or how I can retrieve them. 

I am on a fixed income and this puts me at risk of being displaced, because I can not pay my rent. It has caused me a great amount of anxiety. As a senior citizen it been extremely difficult to say the least

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 2024-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I'm concerned about an unfamiliar inquiry on my credit report to which I didn't applied to. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681EB!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681EB!

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a dispute regarding the unauthorized reinsertion of an account on my credit report. The account in question is a XXXX XXXX account ( Account Number : XXXX ), which was fraudulently opened on XX/XX/year>. I previously disputed this account, and it was removed from my credit report after investigation. However, upon reviewing my updated credit report, I discovered that the same account had been reinserted without my authorization and without the required notice, as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to notify consumers within XXXX business days when a previously deleted account is reinserted and must verify the accuracy of the information. I did not receive any such notice, and this failure to comply with the law is a serious violation of my rights. This account is not mine and is related to identity theft. I request an investigation and the immediate, permanent removal of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NV

Complaint narrative:
XXXX popped up on collections. Never heard of this company. Cant get ahold of them.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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 nephew, 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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management INC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : # XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following infor

mation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing 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 provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another co llector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
1. I was charged a late fee on my XXXX payment for being 1 day late. The reason that I was late because Bank of America failed to send me any notification or statement in advance. I had no idea when the bill would be due. 
2. Bank of America 's bill pay does not have the option to set up autopay. I have recorded a screengrab where I tried to find autopay. I have a perfect on-time payment history because I setup autopay with every other bank in the country. Bank of America is the only bank that does not make it easy to pay the bill.

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 2024-10-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if 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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MT

Complaint narrative:
After several months with Chime I had to finally come to the CFPB to get my refund back after my car was broken into and my bank account stolen. I tried for almost XXXX months and multiple attempts to reconcile with the company. Finally on XX/XX/XXXX the CFPB was given a response from chime. In that response Chime determined that an error had in fact occurred after this investigation and that a refund had been issued as well as an email informing me of all this. As of today XX/XX/XXXX I have yet to receive my funds back and the email sent to me on the XXXX was instead another denial. I have again opened a dispute with Chime and submitted screen shots of the response provided to the CFPB. They have again told me it could take up to 90 days to complete this investigation. Chime fully lied to the CFPB about refunding me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
v '' The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Credit score decreased effectively causing trouble financial problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Credit score decreased effectively causing trouble financial problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NC

Complaint narrative:
Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system XXXX XXXX XXXX is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an apt with a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me XXXX XXXX XXXX XXXX XXXX XXXXXXXX then I have to wait weeks for my report thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system XXXX XXXX XXXX is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an apt with a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me XXXX XXXX XXXX XXXX XXXX XXXX then I have to wait weeks for my report thankyou

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a human trafficking survivor/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation