vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 



I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 



I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX   XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 



I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 



I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NC

Complaint narrative:
Dear Afni Representative, I am writing to bring to your attention an issue that has recently arisen. I have been contacted by your company regarding a debt that I have already paid off. While I understand that mistakes can happen, I believe that your actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ).

I kindly request that you review your records and correct any errors that may have led to this situation. Additionally, I ask that you refrain from any further attempts to collect on this debt until the matter is resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: LA

Complaint narrative:
XX/XX/XXXX I sent a letter to TransUnion requesting they investigate the hard inquiries that I did not approve on my credit report. I have not heard back from them. 

Please remove the following hard inquiries from my consumer report : XXXX XXXX - XX/XX/XXXX ( this is up here twice which is illegal. ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX And any other hard inquiries as I have not approved any.

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 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
GAP Insurance paid off the remaining balance all the way back in XX/XX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract NATIONAL CREDIT ADJUSTERS. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK is unreasonably holding my social security deposit. 
Federal government benefits like social security benefits are protected from withholding. 
Also, generally government checks like social security checks deposited into a bank account have to be made available by the next business day. 
And your response dated XX/XX/2023 to my CFPB complaint # XXXX does not address the key issue of the unreasonable hold to my social security direct deposit completed on XX/XX/2023. 
To date, US Bank has held my social security benefit direct deposit for at least 9 days. 
The length of the hold on my security benefit deposit is unreasonable. 
US Bank did not provide prior notice for the need for a longer hold on the availability of my social security benefit deposit.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
First national bank purchased my accounts from XXXX XXXX XXXXXXXX in 2015 without my knowledge and transferred my XXXX accounts ( which at XXXX were non fee based ) into fee based accounts of which the balance didn't meet the minimum threshold to avoid fees. They then subsequently drafted the accounts down to nothing and closed them for insufficient funds. When contacted, they offered to move my miniscule remaining funds into non-fee based accounts. ( If that was an option, why weren't they transferred into those accounts to begin with? ) Regardless, they refused to make me whole and reimburse me for the funds stolen. In light of the news about the B of A finding and the trouble that XXXX has gone through with a very similar situation. I would like the CFPB to begin diligent investigation into FNB and realize they've stolen my money for no services rendered. I, not once, deposited, withdrew, or utilized any of their services. They simply transferred my money in, placed it in nonequivalent accounts, debited without my knowledge, and then closed my accounts, effectively stealing from me ... .all " legally '' of course. I reached out to many individuals giving them the ability to make it right, all, of course, falling on deaf ears. They acknowledge that they took the money in accordance with their fee schedules... .fee schedules that I never acknowledged or understood until it was too late... .I 'm still shocked this has been condoned by the company rather than apologies issues and restitutions paid... .simply stunning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On approximately XXXX XXXX I called XXXX XXXX bank regarding a balance showing on my credit report with two of my cards that had been paid off since XXXX XXXX. Upon speaking with a representative I was informed that the payments made on my accounts wouldn't update to my credit report until XX/XX/XXXX and XX/XX/XXXX. I explained that I had submitted a dispute through the credit bureau to update my report with current payment information and that XXXX XXXX had reported back to Equifax that the information reported was correct when it was not. The representative went on to explain that the information would update on the corresponding days above and again I insisted that they lied to the bureau by stating that the balance reported was the balance on the card when it wasn't and had been paid off. After going back and forth I asked for a supervisor. After speaking with the supervisor he apologized for the misunderstanding and explained that it was a different department that handled that and I would need to call back on Monday as this was a Saturday. So as time went on I forgot to call back as I was working 11 days straight. So on this morning XX/XX/XXXX I checked my Equifax report and once again the balance showing is incorrect. I will say that this balance is showing only on my Equifax report. So this could very well be Equifax posting incorrect information. Either way I need it fix as it is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: VA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America 's refuses to credit cardholder {$2300.00} for a fraudulent transaction based on prior history the merchant submitted to BoA, and not on any documentation which proves the cardholder originated and approved the fraudulent online transaction being disputed. The cardholder does not deny having a prior history with the merchant since the cardholder was leasing an apartment from the merchant. Prior relationship with the merchant does not constitute proof that the cardholder originated or authorized the fraudulent online transaction payment of {$2300.00} to XXXX XXXX, and is the reason why the cardholder filed a fraud complaint to begin with. BoA 's automated fraud filter decided to unilaterally close the cardholders claim without allowing the cardholder the opportunity to respond in a timely manner, thus denying the cardholder 's due process rights to receive a fair dispute resolution process. The cardholder was then forced to pay the {$2300.00} charge plus {$220.00} interest charges in order to avoid his excellent credit rating from being damaged.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
It is frustrating for me to continue requesting corrections of this inconsistent information regarding my credit history and account age. I want consistent and accurate information exactly like my consistent and accurate XXXX credit report information. One out of 3 credit bureaus being accurate and consistent is unacceptable. 

My credit history is very important. It tells businesses how I pay my bills. Those businesses then decide if they want to give me a credit card, a job, an apartment, a loan, or insurance etc. 

My account age is considered a medium impact credit score factor as it's not as influential as my payment history or credit utilization, but a higher average account age still positively impacts my credit score. 

Due to the numerous unsuccessful attempts, I have made to have this information corrected and to be consistent I have decided to forward this serious problem to Congressman XXXX XXXX for his assistance in this matter.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX is both identfied wrong on my credit file it should br XXXX XXXX not XXXX  the correct listing is XXXX XXXX and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
mr cooper is both identfied wrong on my credit file it should br mr cooper not XXXX  the correct listing is mr cooper and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX IS CONTINUING TO VERIFY FRAUDULENT INFORMATION TO XXXX, XXXX, AND TRANSUNION I'VE ASKED FOR A FULL INVESTIGATION INTO THIS ACCOUNT DUE TO THE INACCURACY AND I DID NOT MAKE THE CHARGE I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX AND XXXX IS IN VIOLATION OF THE FCRA

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