vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: NY

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. 
Account name : 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 15 USC 1681s-2 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 2024-11-05 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: IN

Complaint narrative:
1. FRAUDULENT REPORTING 2. ENTRIES W/ THE BALANCES & CREDIT LIMITS EDITED TO {$0.00} 3. FRAUDULENT COLLECTION 4, FRAUDULENT INQUIRES 5. FRAUDULENT CREDITORS 6. FRAUDULENT CLOSED ACCOUNTS I HAVE PLACED DISPUTES SEVERAL TIMES ON ALL OF THESE FOR IMMEDIATE & PERMANENT REMOVAL & NO REMOVALS WERE EVER MADE.

THIS MEANS YOUR Bureau CONTRIBUTED TO FRAUDULENT REPORTING AND ARE LIABLE TO THE VICTIM FOR {$1000.00} DOLLARS PER FRAUDULENT REPORT AND EACH FRAUDULENT REPORT IS LIABLE FOR A {$5000.00} FINE AS PER ENFORCEMENT OF FINING FROM THE FAIR CREDIT REPORTING ACT.

THE ONLY THING THAT SHOULD BE ON MY CREDIT REPORTS ARE 2 OPEN REVOLVING ACCOUNTS FROM XXXX FOR A {$5000.00} CREDIT LIMIT AND XXXX  FOR A {$1000.00} CREDIT LIMIT. THERES NO BALANCE OWED TO EITHER AS I NEVER RECIED MY CREDIT CARDS A YEAR AGO WHEN I OPENED THEM BUT I AM CALLING TO HAVE THEM MAILED TO ME.

2. I KNEW FOR YEARS I WAS AN IDENTITY THEFT VICTIM BECAUSE OF THE CONDITIONS AND ENTRIES ON MY CREDIT REPORTS.

I JOINED XXXX XXXX XXXX XXXX XXXX XXXX AND THEY LOCATED ONE OF MY IDENTITY THEFTS.

DATA BREECH THAT RESULTED IN MY GOOD NAME AND SOCIAL SECURITY NUMBER DEBUTING ON THE BLACK WEB.

THIS HAS PROBABLY ENDED UP SAVING MY LIFE AS ONCE YOUR INFORMATION MAKES IT ONTO THE BLACK WEB YOUR IDENTITY IS NO LONGER SAFE TO MAINTAIN.

THERE IS A PERSONAL RISK TO DANGER ONCE YOUR INFORMATION HAS BEEN FOUND ON THE BLACK WEN & I AM WORKING WITH XXXX XXXX XXXX XXXX  FOR FUTURE INCURRED LOSSES SO THAT I MAY RECOVER FROM IDENTITY THEFT AND GAIN A NEW SAFE IDENTITY FOR MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
CHIME HAS FAILED TO SUPPLY A REFUND FOR CLOSED ACCOUNT ON XXXX XXXX IN THE AMOUNT OF {$1500.00}. I HAVE NOT RECEIVED ANY ACCOUNT CLOSURE CHECKS THOUGH THEY STATE TO ME THAT THEY HAVE MAILED THEM OUT. I HAVE NO KNOWLEDGE OF WHO HAS ACCEPTED DOCUMENTS OR MAIL ON MY BEHALF AND DID NOT SIGN FOR THE CHECKS TO BE CASHED AT ANY POINT. I DEMAND THAT I BE SUPPLIED WITH MY CLOSURE CHECK OF {$1500.00} and the additional amounts of {$600.00} AND {$370.00}. The amounts of {$600.00} and {$370.00} are for a charge for merchant named XXXX that falsified records and I had to make a police report about XXXX and the fraud that took place. TOTAL AMOUNT THAT CHIME IS TO ISSUE A CHECK FOR IS {$2500.00}. Attached is a police report regarding the XXXX incident. Attached is a XXXX report showing that I did not receive any package and that it was signed by a " XXXX XXXX " which is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report that resulted from a recent data breach compromising my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts from my credit report. 
XXXX Accounts XXXX. XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$690.00} XXXX. XXXX XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$0.00}

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 2024-11-04 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: 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 antedat
es 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I review my consumer report and notice there was a bankruptcy being reported or XXXX of my credit report. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never filed bankruptcy but it saying I filed XX/XX/XXXX with Experian reference number XXXX with XXXX bankruptcy, Ohio XXXX XXXX. But on my XXXX, it says I file bankruptcy XX/XX/XXXX. with federal court. Reference number. XXXX. The dates file and reference numbers are not even the same. I have included a Screenshots and sent this complaint on. XX/XX/XXXX. Please investigate and provide proof which shows the bankruptcy is mine. If no proof cant be provided I demand the bankruptcy be removed from credit profile Thanks please see attached screenshots.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year> at approximately XXXX CT I called capital one to get a check for {$660.00} hold released. They claimed they verified the check and it was good however they will not be removing the hold nor following regulation CC of making {$220.00} available next business day. The check was deposited on XX/XX/year>. They advised me that I had to wait until the hold falls off on XX/XX/year>. I escalated the call to a manager and he told me he wont release it until the hold falls off and I had no choice but to wait even though I have deposited a check from this company before and it cleared next business day. When I brought up the regulation to him he got standoffish and kept referring me to deposit holds on the website. They admitted to having the check verified with the paying bank and still refused to release any of the funds causing my account to get overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: KS

Complaint narrative:
AS of XX/XX/XXXX I have reviewed my credit report and see that there are still fraudulent accounts reporting from XXXX, EQUIFAX, AND XXXX XXXX reports upon looking the accounts that I see are XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$5500.00} )XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( XXXX ), XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$500.00} ) These accounts are all fraudulent and I have provided the supporting documentation down below. According to the FCRA CODE SECTION 605B if an account is the result of fraud the data furnisher has 4 business days to remove the fraudulent accounts as long as supporting documentation is sent in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: MO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Theres a bankruptcy on my credit report that dont belong to me i am uploading XXXX XXXX report stating they removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-04 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: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I review my consumer report and notice there was a bankruptcy being reported or two of my credit report. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never filed bankruptcy but it saying I filed XX/XX/XXXX with XXXX  reference number XXXX with US bankruptcy, XXXX  XXXX court. But on my Equifax, it says I file bankruptcy XX/XX/XXXX. with federal court. Reference number. XXXX. The dates file and reference numbers are not even the same. I have included a Screenshots and sent this complaint on. XX/XX/XXXX. Please investigate and provide proof which shows the bankruptcy is mine. If no proof cant be provided I demand the bankruptcy be removed from credit profile Thanks please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NE

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-04 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: NE

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been constantly calling Transunion for the last 6 days and they will not help. This is my 8th time calling trying to fix this situation with Transunion and they do not seem to care what happens, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 30 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Transunion has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant XXXX and stress, please help.

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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX went online to make a cc payment to Amex. I thought the payment went through until I received an email XX/XX/XXXX saying the payment was not received yet. It was due XXXX first. I immediately went online and paid it again and the payment was accepted the first was a XXXX  and the XXXX a XXXX. I called customer service knowing that Amex would charge me a late fee and they had. I spoke with an associate and then a supervisor and both claimed that they could not remove the late fee. The reason they gave me is because there was a payment mishandled in XXXX of XXXX and XXXX of XXXX. I told the supervisor I know what happened as I got correspondence from Amex regarding what happened to the mishandled payment for XXXX and XXXX. I had lost my credit card prior to those months and when I made payments Amex posted them to the lost credit card number rather than the new credit card number. And they say as a courtesy they refunded both late fees and I received an apology in writing. I was told by both Amex associates that this is why they would not be able as a courtesy to refund my payment that did not go through their system this month because the incident was considered negative??? I said well it was your fault not mine that you had posted my payments to my old account number in XX/XX/XXXX and XX/XX/XXXX and not mine as I made both payments online. Still no they will not waive the late fee of {$29.00} for this month. The account only has a {$60.00} balance and they are charging me almost XXXX XXXX each month and I have good credit! They have treated me very poorly and need to stop taking advantage of consumers with not adjusting late fees as a courtesy if there was a problem with making the payment. And not because they claim the payment was late due to a fault of their customer.

Company response to consumer: Closed with explanation