vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: VA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: VA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I pulled my credit report and noticed a collection company that I never did business with. I do not have a signed contract with this company and Im not aware of who they are. 

I would like this company to delete the account and request that the credit bureaus remove the account from my credit report. 

I have attached a copy of my drivers license, social security card, and utility bill for identity verification purposes. Please send me proof once this account is removed. Thanks!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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 requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.

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 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXXXXXX XXXX XXXXXXXX Balanced {$1300.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2024-08-29 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: MO

Complaint narrative:
On XX/XX/XXXX 2024 Equifax removed over XXXX accounts from my credit report including the mortgage for the house I live in, and every single XXXX of my credit cards. After requesting my credit report I noticed that they were now reporting my name as " XXXX XXXX XXXX XXXX '' when every single piece of identification I have, including my social security card, my passport, and my driver 's license has my correct name of " XXXX XXXX XXXX XXXX ''. When I filed XXXX different disputes with the company Equifax, and provided all the above reference identification, they failed to rectify the situation. I was also never able to get XXXX of their agents on the phone because I could not get through their automated answering system because they did not have the correct information to verify me, and I there was no option to talk to a live person. In fact, on my second dispute, after providing all the above identification, their report said they were deleting the correct name I provided and changing it to the false name that they had been reporting since the unexplained change on XX/XX/XXXX. This was completely opposite of what I requested on their form. So after XXXX disputes and the inability to get anyone on the phone I am making this complain as their errors have cause my reported credit score to drop over XXXX points just when I was attempting to make a large purchase that required the running of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: UT

Complaint narrative:
I'm now dealing with brown and Joseph they are flat out ignoring me. Won't return my calls or emails. And claim I'm ignoring them. I can prove ive reached out. They are trying to force it into court. They are the 3rd or 4th agency I've delt with on the matter. Non of the others or them have been able to send me proof this debt is mine. So kinda don't think it is. Or they would have just sent proof instead of playing XXXX games attached is just one of the emails I sent. i also sent emails to XXXX which took a couple tries to get the spelling correct I also mailed in responses. and called and left messages. so I find it hard to believe that they didnt get any of my responses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I am seeking your help to address the incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I require your support. Due to your errors in handling my credit report, my reputation has been severely harmed. It is crucial that you remove these inaccuracies so I can live normally with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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 seeking your help to address the incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I require your support. Due to your errors in handling my credit report, my reputation has been severely harmed. It is crucial that you remove these inaccuracies so I can live normally with my family.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MN

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
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, I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I DO NOT HAVE A CONTRACT WITH XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT. 

I requested that all negative items to be remove from my XXXX, XXXX XXXX XXXX XXXX XXXX credit report. I in fact asked the companies to provide me with all documentation that they have which proves that I owe any debts for the account that is reporting as a collection account. Any documentation requesting for my credit report to be pulled resulting in a hard inquiry. This information is damaging my credit reputation and I am unable to obtain financing for my household. 
I do not agree with the information that these companies are reporting on my credit and I ask for it to be to removed it permanently.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have a credit card through PNC Bank. Since XX/XX/2024 they have charged me with 3 late fees when in fact I make my monthly payment before the due date of the XXXX of every month. They give me the excuse that it takes long to process my payments, therefore the late fees. To date, only one late fee has been refunded. I have called them 3 times over the last week about the XX/XX/2024 late fee, and I am told something different each time. The late fee will not come off. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: DE

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- - X XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX - - X XX/XX/XXXX Inquiry In Dispute XXXX XXXX - - XXXX XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX - - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - X XX/XX/XXXX Inquiry XXXX Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX X XX/XX/XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) - - X Negative Was CO days late 22 time ( s ).

KOHLS/CAPONE X Negative - X Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was CO days late 2 time ( s ). 

XXXX XXXX Negative - X Negative Was CO days late 23 time ( s ). Was CO days late 20 time ( s ). 
In Dispute XXXX XXXX XXXX ( Original Creditor : CREDIT XXXX BANK N.A. ) X Negative - X Negative Was CO days late 14 time has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to XXXX XXXX XXXX they are suppose to 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 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America for its failure to honor a promotional offer and for the subsequent inadequate customer service provided in relation to my small business checking account. 

On XX/XX/XXXX, I was contacted by XXXX XXXX from the sales department regarding the opening of a small business checking account. During this conversation, I inquired about a {$1000.00} promotion I had seen advertised online. XXXX XXXX verified my eligibility for this promotion, given my longstanding 18-year relationship with the bank, and assured me that the promotion had been applied to my account. He explicitly stated that I would receive the {$1000.00} bonus after depositing {$30000.00} in new funds and maintaining that balance for 90 days. 

Relying on these assurances, I opened the account on XX/XX/XXXX and deposited {$31000.00} within 30 days. I have maintained this balance as required. However, as of today118 days since the account openingdespite my repeated efforts to resolve this matter through multiple calls and direct communications with your team, the promised bonus has not been credited to my account. 

The lack of response and accountability from your representatives, especially XXXX XXXX, has been profoundly disappointing. Despite several attempts to contact him and even after being assured of a resolution, there has been no substantive update or effort to rectify this situation. The service teams recent claim that no such offer was linked to my account directly contradicts the information and assurances given to me at the accounts inception. 

This situation not only represents a failure to honor a financial incentive but also exemplifies a significant breakdown in customer service and trust. The handling of this matter reflects poorly on Bank of Americas commitment to its long-term customers and tarnishes its reputation for reliability and customer satisfaction. 

I urge the Consumer Financial Protection Bureau to intervene and assist in resolving this matter promptly. I expect Bank of America to honor the promotional offer as originally stated and to address the deficiencies in customer service that have exacerbated this issue. 

Thank you for your attention to this serious matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-08-29 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:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>

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 2024-08-29 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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