vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: IL

Complaint narrative:
I mailed disputes to equifax, XXXX and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX equifax, and XXXX on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the 3 credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: IL

Complaint narrative:
I mailed disputes to XXXX, experian and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. I requested the verification of the account and in accordance to section XXXX, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all XXXX bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another XXXX disputes to experian, XXXX, and transunion on XX/XX/21 and again no responses. Another XXXX disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received XXXX response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have XXXX days to respond and it's now been about XXXX months and I haven't received XXXX response. I would like the CFPB to remove all of the accounts that I have been disputing for the last XXXX months from my credit reports because the XXXX credit bureaus have violated the law and not completed their investigations accordance with the XXXX. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.

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 2021-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
hello, my name is XXXX XXXX and I am a victim of id theft. Someone stole my personal information and rented an apartment in my name, the following account was fraudulently opened in my name : RESERVE AT XXXX XXXX XXXX XXXX  ) OPENED : XXXX XXXX I HAVE ENCLOSED MY FTC 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 2021-12-02 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: CA

Complaint narrative:
I spoke with transunion representatives multiple times about these unauthorized inquiry accounts, and sent them letters and documents to their mailing address but they didn't remove then accounts. 

Also spoke XXXX, and they did nothing to rectify this inaccurate and unauthorized inquiry.

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 2021-12-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently ordered my Consumer reports and Experian and XXXX are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection 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 explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/2021 on my chime account I tried to send a money transfer of {$380.00} to wrong person but the person has the my phone number linked to there account so it sent the money to them and chime Doesnt have option to cancel or stop a money transfer at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: IL

Complaint narrative:
American Adjustment Bureau and XXXX XXXX are piling collections that I have tried to dispute directly and indirectly through the companies and XXXX for over two years. I was on XXXX at the time, then XXXX, and worked to get rid of the debt through the hospital that treated me ( XXXX XXXX XXXX ). I am requesting that these debts be completely relinquished from my current record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX 7 times challenging the accurate, compliant, and factual reporting of these 3 accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The options provided to me on your complaint website did not apply to my situation. So I just chose whatever options you had available. 

My complaint is in regards to how a fraud complaint was handled with Capital One 360 Bank. For the most part I am happy with the way they have handled it. But my complaint is based on something I don't think is right. 

My understanding of FACTA is that the bank has to provide me with whatever information I request ( as long as its relevant ) regarding my fraud incident. A fraudulant/stolen check was cashed in my account. I requested that they provide me with the LOCATION of where the check was cashed. They told me they would not provide me with that information. 

My understanding is that I have a right to that information as the victim of fraud. And they have to provide it within 30 days of my request. But they tell me they will not share that information with me. And they said their investigation takes up to 90 days. 

I mentioned I was at the police station and they told me to have the police contact them. 

side note : they said they don't know where it was cashed YET but would still not provide that information to me even once they had it. And also told me I could not communicate with the investigator to obtain the information on my case. 

I spoke with XXXX, a manager, in the customer protection department. employee number XXXX Fraud case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I spoke with XXXX representatives multiple times about these unauthorized inquiry accounts, and sent them letters and documents to their mailing address but they didn't remove then accounts. 

Also spoke equifax, and they did nothing to rectify this inaccurate and unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: FL

Complaint narrative:
Per my Equifax report it is reporting inaccurate information. Equifax also is not updating my information every month as it should. I have a XXXX XXXX auto loan on my Equifax report is shows no new data or reporting since XX/XX/2021 which is showing I have a reported balance of {$4500.00} which is inaccurate and affecting my credit score. Equifax also shows that I have XXXX late payments, and this is inaccurate and negatively affecting my payment history rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am requesting that all companies that I don't have business with, provide a validation and a legitimate reason why they have access to my personal business information. If there is no claim against me or no account please remove the Fraudulent Inquiries off my Consumer Report. It is causing harm to my person, as well as stopping me from getting a Fair Credit reporting. I would like to ask for a validation from All credit bureaus immediately. It is my right as a consumer to challenge anything that I deem to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: SC

Complaint narrative:
I recently ordered my Consumer reports and XXXX and Transunion are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection 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 2021-12-02 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover bank as violated my consumer rights according to the FCRA. 

Under 15 U.S.C 1681a ( 2 ) ( B ) Exclusions from a consumer report. This account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security was used in the transaction. 

Under 15 U.S.C 1681- Permissible purposes of consumer reports. I never gave discover bank any written consent to report anything on my consumer reports. No consent is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of these XXXX accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of these XXXX accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,

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 2021-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX I was notified that Wells Fargo had closed XXXX of our savings accounts without any prior notice. The account was closed XX/XX/XXXX. After a number of calls with various Wells Fargo customer service people, I was finally told that the company had made a decision to close the account due to inactivity over the past 60-90 days. I have several other savings accounts with Wells Fargo that have not had activity for more than a year, yet those accounts remain open still. If there is a policy that governs this action, it is not being applied equally. Second, I was told that the account did not have the minimum balance required. When we opened the account there was no minimum balance requirement. The customer service agent acknowledged that this updated policy occurred in XX/XX/XXXX. No notification was sent to us regarding this change in policy ; we have XXXX other Wells Fargo accounts and have not received any notice of updated policy for any of these other accounts either. Between closing our account without notice and changing policy regarding an account 's minimum balance requirements without notice, we find this activity to be in breach of their agreement with us. I also believe this to be illegal activity for which Wells Fargo has already been investigated by the Federal government ( XXXX ) and the Consumer Financial Protection Bureau. In order to resolve this issue, Wells Fargo has asked that I take my time to speak with a local branch to see about having a new account opened ( they can not re-open an account once closed, per their policy ). I have no interest in spending my time to resolve an issue they created. I will be moving my XXXX remaining accounts to a new bank.

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received a notice today around XXXX est that my Chime account was to be closed. No explanation as to why, no explanation as to whom to speak with, nothing beyond an email address. I have money in both my chime spending account and credit-builder account. I have done nothing wrong or dubious in any way. I have been with Chime for a few years and have my work dd set up through them. I have absolutely no recourse, when i emailed them i received this as a response : Our issuer, The XXXX XXXX, provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however, we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2021-12-02 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have attempted to contact each company to validate the inquiry. NO response was recieved. I have an inquiry from XXXX XXXX on XX/XX/XXXX, overstock XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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