vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 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: GA

Complaint narrative:
I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.

Here are the list of accounts that are not reporting accurately delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Companys did not send requested info please delete account immediately. I will attach what I asked for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
This is ridiculous! I contacted Experian over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My mother and my sister co-owned a joint account at Chase XXXX, in XXXX Texas with no beneficiary on the account. When my sister died in XX/XX/XXXX, the account was locked. My mother died before we received my sister 's death certificate, which was required to modify the account owners or beneficiaries. As executor, I asked Chase XXXX for information on the account and was told the account was locked. The balance at that time was {$5900.00}. Chase XXXX distributed the amounts in my mother 's other accounts but never informed me that the consequence of that disbursal was that the minimum balance of my mother 's accounts therefore went below a minimum. 

Despite having death certificates and documentation that I was my mother 's executor, Chase XXXX required that I go through a court finding in Texas for a small estate ( I live in Maryland ) to obtain a Letter Testamentary in order to get information from Chase XXXX about this account, costing over {$3000.00}. With the pandemic and normal delays in Texas, that took until XX/XX/XXXX. At that time Chase XXXX informed me that the balance was {$5500.00}. It took months more to get bank statements to determine the reason for the loss, which was a monthly service fee of {$25.00} for being below the minimum balance, despite the fact that Chase told me the account was *locked*. Their delays added up to nearly {$500.00} in fees out of this locked account, all of which could have been avoided if they had respected the existing paperwork. Instead, they took money and cost the estate several thousand for a Texas pro-forma finding. 

Further, Chase bankers verbally told me that it was " wrong '' for the bank to deduct that money. Three separate efforts, over two years, to try to obtain a refund were entirely unsuccessful. I was finally able to close the account in XX/XX/XXXX, when the balance was down to {$5400.00}. Chase took {$480.00} in illegal charges, and I would like a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2024-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Ive recently checked my credit report and noticed inaccurate account reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
I received an email from Discover, whom holds one of my several credit cards requesting me to sign a document giving them full access to go to the IRS and get my personal information. 

After talking to multiple family members, a family attorney of ours, all of whom have had credit cards and a discover card for decades. I was advised against providing this information. 

The initial email said I could contact Discover to find alternates. When I called, the rep was absolutely useless and all she offered was to escalate so a manager maybe would give me a callback. 

Nobody ever called me. 


I was also told if I didnt comply with their bullying tactics, theyd close my account and Id be left with the bill up front. I do not have XXXX to just give them on the fly! 


At this point, I want documentation for the following from Discover : 1. What is the purpose of your request. Not a generic answer. I want to know what specifically you are wanting to see. It is MY personal information youre requesting, NOT yours. You dont get to tell me what you want and I just comply. Failure to provide this will result in me seeking legal council through a consumer protection attorney. ( The family attorney I mentioned ) 2. I also want the answer to this in writing. If my account is closed am I required to pay the full balance upfront or am I still able to make payments? 


This experience so far has soured my relationship with Discover and I expect a phone call from someone in LEADERSHIP. Not some XXXX  in a call centre with a script like that last XXXX I spoke with. 

You guys have severely overstepped and failed to provide any reasoning behind this other than this is just us doing business XXXX XXXX  not!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Global Lending Services LLC
State: CT

Complaint narrative:
Fraudulently inquiry done at Global lending service. I never inquired about a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have XXXX and XXXX accounts that show me FICO credit scores. 

My XXXX Monthly FICO Score based on Equifax data is XXXX as on XX/XX/2024 XXXX shows it XXXX as on XX/XX/2024 again the same FICO score based on Equifax data. 

How can FICO Scores from the same agency be so different?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX I Tele deposited a {$1000.00} check drawn on XXXX XXXX savings into my Bank of America checking acct!! 
XX/XX/XXXX BoA recieved funds from XXXXXXXX XXXX  ( confirmed by both banks ) XX/XX/XXXX BoA took a {$1000.00} from my account!! After hours of calls and abuse BoA said XXXX XXXX cashed the same check on XX/XX/XXXX?? 
I spoke to XXXXXXXX XXXX and they did not cash that check!! And XXXX never recieved a second request to honor the same check!! BoA said checks don't have to to back to where drawn on!! Doesn't make sense to me

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 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had a bankruptcy discharge in XXXX ; we're now in XXXX. I've been attempting to reestablish my relationship with Navy Federal credit union who was one of the creditors they have consistently denied me for regular credit cards, secure credit cards, any VA home loan. The reasoning on every correspondence stated " there is a loss associated with your Navy Federal account. '' I have credit cards with every major carrier. I've been preapproved for a VA mortgage with multiple carriers. I would like to reestablish my relationship with Navy Federal, but they are not giving me the opportunity, and they're not being fair in the process. Attached shows credit score as well as other factors. They're not denying me because of credit or my current credit history ; they are denying me based on one event that happened almost 15 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I received a call from the debt collector trying to verify my information regarding a debt I was told I owed. they wanted my SSN # dob, etc. which I would not give because I didn't know who they were. I advised them to send me the information they had on me to the address they had on file for me. I received the letter with me name on it. First it's for an apartment I've never rented in a city I don't live in and they sent it to me home address which tells them I've never lived in the city. I was told to forward my mortgage, SSN # and dob to prove it wasn't me that rented the apt . I have lived in my home for 22 years and never lived in XXXX. How can we get this cleared and my name taken off or my contact info if it was another person with my name which would have happened and the debt company looked up all the persons with my name and just sent me the letter trying to find the right person which is not me.

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 2024-03-03 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: CT

Complaint narrative:
I disputed these accounts numerous times to The creditors and the credit bureaus and they still refused to remove it of my XXXX report. Im attaching my police report and Irs letter for proof of identity theft Also I need all of these fraudulent accounts to be removed immediately and the inquiries listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ALL TO BE REMOVED OF MY XXXX AND EXPERIAN CREDIT BUREAUS!!

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 2024-03-03 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I disputed these accounts numerous times to The creditors and the credit bureaus and they still refused to remove it of my transunion report. Im attaching my police report and Irs letter for proof of identity theft Also I need all of these fraudulent accounts to be removed immediately and the inquiries listed below Comenity Capital Bank/Forever21XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ALL TO BE REMOVED OF MY XXXX AND XXXX CREDIT BUREAUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, around XXXX of XXXX i applied for XXXX to repair my credit i have made several payments rather has not reported to my credit profile then I tried calling them like 50 times and emailing them several times because I can't access to my account profile on XXXX they have not called nor emailed me back now it XXXX of XXXX and they are reporting nagitive on my credit report Experian

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 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MS

Complaint narrative:
They are saying my credit is bad I dont see how my credit is bad when I just turned XXXX on XX/XX/2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-03-03 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: Global Lending Services LLC
State: TX

Complaint narrative:
XXXX GLOBAL LENDING SERVICE XXXXXXXX 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 ALL OF THE ABOVE ARE USED XXXX XXXX AND XXXX XXXX XXXX. THERE IS NO WAY MY CREDIT SHOULD HAVE BEEN RAN IN ONE DAY! ALL THIS HAPPENED ON XXXX XXXX YEAR OF XXXX. I HAD MAYBE TWO COMPANIES TO RUN MY CREDIT BUT SEEMS LIKE IT'S BEEN SHARED. I WOULD LIKE FOR THIS TO BE RESOLVED BY HAVING THESE " PULLS '' REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-03 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: WI

Complaint narrative:
XX/XX/XXXX I disputed on MyEquifax portal 2 unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had already contacted the creditor and they have not provided me with proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal. I asked Equifax to DELETED these unconfirmed inquiries lacking certifiable evidence unless physically certified, verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Equifax failed to disclose the proper written authorization or permissible purpose documents and is in violation of the law.

Company response to consumer: Closed with explanation