vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
Trans Union, XXXX, and XXXX credit bureaus refuses to remove inaccurate, unverifiable, and fraudulent consumer information from my credit report even though I have submitted documentation that proves the account is inaccurate, unverifiable, and fraudulent. I have submitted my valid identification, identity theft report submitted to the FTC, Documentation submitted from the XXXX XXXX  providing information that the vehicle reported is unregistered and associated to someone else with a different name and birth date other than myself. This account being reported also does not have my written instructions to have opened an account with the consumer XXXX XXXX XXXX and Trans Union, XXXX, and XXXX refuses to delete this account from my 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 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-03 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: MT

Complaint narrative:
Hello! 
I just received my investigation results from Equifax. I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Equifax has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Registered Mail # XXXX XXXX XXXXXXXX XXXX US I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Money was sent from Chase bank to XXXX to make a payment on a XXXX credit card using Chase online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXXXXXX XXXX and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at XXXX and they claim that the money was sent back to Chase on the day it was received. Chase claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. XXXX is claiming that it could be the third party processor of chase that has the money but again Chase does not have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-03 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Goldman Sachs Bank, USA. did a federal backup debt on my CD for the month of XXXX for {$220.00}. My account ends in XXXX. Customer number is XXXX. I want this money put back into my account. I never even signed a signature card back in XXXX. So they sent me another one in XXXX. I HAVE NO FEDERAL BACKUP WITHOLDING I OWE THE FEDERAL GOVERMENT. I SENT THE NEW ONE BACK ON XX/XX/XXXX, INDICATING I HAVE NO FEDERAL BACKUP WITHOLDING FROM THE FEDERAL GOVERMENT. I CALLED ON XX/XX/XXXX. THE REP ADVISED THEY STILL DO NOT HAVE. I WAS PROMISED A CALL FROM A SUPERVISOR NAMED XXXX, ON XX/XX/XXXX. I NEVER GOT THE CALL. THEY WILL NOT SEND ME ANY SIGNATURE CARD, THEY SAID I SIGNED BACK ON XX/XX/XXXX. THAT'S BECAUSE I NEVER DID. IN THE MEANTIME I WANT THE {$220.00} PUT BACK IN MY ACCOUNT THEY TOOK OUT ON XX/XX/XXXX. I SENT THE NEW CARD IN TO STOP THE BLEEDING, AND THEY CONTINUE TO PLAY GAMES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: LA

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for 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 explanation
Consumer complaint received 2023-07-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this account start in my credit report on XXXX .... i dont recognize this as mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this account start in my credit report on XXXX .... i dont recognize this as mine..

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 2023-07-03 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 express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

IXXXX 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 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 2023-07-03 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
GENESIS CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Reported that I had a collection at an apartment that I never stayed at. Collection agency has no proof that I stayed at this apartment and will not provide any proof or remove from my account. In addition, this collection agency is fraudulently raising the amount that is said that I owe every month. Collection agency will not remove fraudulent claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase on XX/XX/2023 to internet retailer XXXX for merchandise in the amount of {$5600.00}. I received used, damaged, and not-as-described merchandise. I tried to return the merchandise but the seller refused and made the situation very difficult. I opened a dispute with Citi bank on XX/XX/2023 for help in this matter. Citi begun an investigation and initially ruled in favor of the merchant. I reviewed the materials supplied by the merchant and discovered blatant fraud, including forged documents and a false story that the merchant accepted the return and provided shipping labels. This was the first time I have ever seen these labels, and came as a surprise, because the merchant outwardly refused to provide them before. My suspicion is the merchant attempted to provide a different narrative but the story they provided made so sense and is also fraudulent. I called Citi bank to discuss this matter and on a recorded line, they advised me to " send the merchandise back so we may resolve this dispute in your favor. '' I did this. I sent the merchandise back with the newly discovered return labels the seller furnished to Citi bank on their dispute response. Citi bank then also asked me to submit a signed letter describing what happened and where the merchandise is. I did this. I sent back the items and supplied Citi bank their requested documentation on XX/XX/2023. I received notification on XX/XX/2023 per their website that the dispute was again resolved in favor of the merchant. Completely appalled, I called Citi bank on XX/XX/2023 to discuss this matter and they claimed the website is wrong and the dispute is still pending. They then asked me to provide the exact same signed letter I already had provided. I suspect gross negligence and incompetence on behalf of the investigative team at Citi bank and insist this complaint be used to re-examine the dispute and to properly resolve this matter in my favor.

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 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Money was sent from XXXX bank to Amex to make a payment on a Amex credit card using XXXX online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXX $ and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at Amex and they claim that the money was sent back to XXXX on the day it was received. XXXX claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. Amex is claiming that it could be the third party processor of chase that has the money but again XXXX does not have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-07-03 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: SC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: SC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: MA

Complaint narrative:
I dont recognize this inquiries on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is reporting incorrect information on my credit report in addition to reporting to Third parties. If I call by phone, the agent ask you to go through and identification process. I was asked to send a picture ID of your driver 's license. I asked for an alternate way. You are asked a series of questions, many of which do not make sense. Such as name a recent or past credit card account and what were your monthly payments? I explain to the agent it was not a good question because credit card accounts are payments are based on balance not monthly payments. If I miss a question, I am not authorized and can not move forward. If I call by phone and provide my information it always says it can not be verified, even though I am providing the information that they have on file. 

I wish to report that the address listed on my credit report on XXXX XXXX is not an active or authorized mailing address. I have never used it as a mailing address. It is to be removed. 

I have not received any usable feedback for my first complaint. Equifax sent me something stating I need to send them a picture of my driver 's license for them to authenticate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
When I opened the account in XX/XX/2023 I was promised two different cash bonuses of {$300.00} each after three months. One was for having a direct deposit to the checking account and one was for keeping a certain amount in the associated savings account. Not it's XXXX and neither bonus has been applied to my accounts. I have made several attempts to contact Citizens Bank by phone to inquire about the status of the promised bonuses but each attempt has been unsuccessful. They often have ended my call abruptly. I have nowhere else to turn. Please help. Thank you.

Company response to consumer: Closed with explanation