vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I do not have any association with the creditors mentioned, and these inquiries are not related 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 2024-09-13 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: GA

Complaint narrative:
Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access. 

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home.

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report.

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home.

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed.

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report.

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access.

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home.

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report.

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home.

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed.

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report.

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer 's rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A, state 's I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnished an account without my written instruction. 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 and crimes which antedates the report by 7 year 's. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, a number of fraudulent XXXX charges were made using my checking account/debit card. I called Chase to have this rectified about XX/XX/XXXX. I explained that the XXXX  charges between those dates will not made by me. 

However, Chase decided to cancel all of my transactions made during that time, including some legitimate ones. To my knowledge, I did not request this. This included {$4500.00} made out to the XXXX XXXX XXXX XXXXXXXX for my XXXX XXXX. My account was credited for all purchases made, legitimate and illegitimate, between XX/XX/XXXX and XX/XX/XXXX. 

I called again a few days later ( I can't recall exact date ), to ask that the credits for my legitimate transactions, especially my tuition, be reversed. I was told that when the investigation ended they would receive their money, and that I had requested the reversals. ( To my knowledge, I did not. ) On XX/XX/XXXX, the {$4500.00} credit was removed from my account, presumably sent to the XXXX. At this point, the original {$4500.00} I paid should have been in the XXXX  's hands, as the credit back to me was reversed. 

Recently, my XXXX XXXX XXXX told me that I had not paid for my XXXX XXXX I called Chase bank on XX/XX/XXXX to tell them the merchant had not received any money, but that it had been removed from my account. I was informed that the funds were removed, disbursed, and definitely sent to the XXXX. 

The XXXX XXXX XXXX XXXX  still could not find the payment, even with the date of the payment provided. They asked me to call Chase and get more information on the transaction. I called Chase ( Still XX/XX/XXXX ), who once again told me that the money had been sent out. I asked for details on the transaction so that the XXXX  could locate my payment. 

After an extended hold, they did not provide me with this information, rather that the XXXX  would receive the money in 3 to 5 business days, as they were sending it again. They said they would send it again if it was still not received. 

As of today, XX/XX/XXXX, the XXXX  still does not have any payment from me. The {$4500.00} has been removed from my account but has not gone to the XXXX XXXX XXXX XXXX XXXX. I would like to get this rectified, and either have my {$4500.00} returned to me or sent to the XXXX. I have contacted the bank a total of 4 times, and spent a good part of my time reexplaining the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
This account was charged off on the following date XXXX, 2019 Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I made a transfer on Westner Union of XXXX XXXX XXXX XXXX, it was supposed to be delivered XXXX XXXX XXXX XXXX XXXX I received an email saying money was sent and a as of today the transfer still shows processing. Ive tried contacting them and they say to call but Im not able to call since I work in a XXXXXXXX XXXX Ive contacted them multiple times and they are always saying someone will contact me and escalation team is working ok it. I asked the money to be refunded and they said they will work on it, again saying escalation team. I tried contacting them thru XXXX XXXX XXXX XXXX. As of now, status shows processing. I have screenshots and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Fraudulent ACH Citibank , N.A . 
Indemnification ACH Payment Ref # XXXX # XXXX Citbank Account ACH Date : XX/XX/year> and XX/XX/year>. 
Drawer : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX Total Amount of ACH : {$56000.00} Dear Sir or Madam : I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( the Bank ) and am writing to request assistance in obtaining a response and resolution to two ( 2 ) fraudulent Automated Clearing House payments presented to Citibank, N.A ( Citi ). 

Two ( 2 ) fraudulent ACH payments for {$28000.00} each were presented to Citi on XX/XX/XXXX and XXXX respectively, resulting in funds ( the Funds ) being credited to the above-referenced deposit account maintained at Citi. The Bank immediately notified Citi as the aforementioned fraudulent payments and requested that Citi block access to the Funds for the lesser of ( A ) the Requested Amount ( {$56000.00} ) or ( B ) the amount of the Funds still on deposit in the Account or in any other bank account to which any portion of the Funds have been transferred ; plus the amount of any still outstanding instrument purchased with the Funds, including, but not limited to, cashier 's checks and money orders, ( " Outstanding Instrument '' ) ; plus the amount of any payment made with any portion of the Funds to Citi on any obligation due to Citi ( " Credit Payment '' ). 

In connection with this request, the Bank provided Citi with two ( 2 ) hold harmless agreements, copies of which are annexed hereto as Exhibit A, wherein the Bank agreed to indemnify and hold Citi harmless for the restraint of its account. 

On or about XX/XX/year>, the Bank was informed by XXXX, a Fraud Officer at Citi, that certain funds were restrained. Subsequently, on XX/XX/year>, the Bank was advised by XXXX, a representative from Citis Internal Fraud Department Call Center, that a claim ( No. XXXX ) concerning the restrained funds was being processed. Since that time, the Bank has made numerous attempts to contact Citi to obtain a status update on the return of the funds, but these attempts have been consistently rebuffed. 


The Bank recognizes that the use of the Complaint portal by a financial institution to obtain information and resolution is novel, however recognizing the importance placed by financial institutions on regulatory responses and the deafening silence from Cit, the Bank felt it, on behalf of its customers had no other alternative but to avail itself of this delivery channel. 

Your assistance in this matter is greatly appreciated. 

Sincerely, 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-13 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-13 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
My wife and I have a joint account with US Bank and have noticed that our account has some strange transactions such as another withdrawal of {$73000.00} under the other withdrawals section on the XX/XX/year> summary. We had a balance of {$91000.00} on XX/XX/year>. My wife gets a child of {$1700.00} bi-weekly deposited in the US Bank and my work check usually averages around {$3200.00} a month deposited in the US Bank. That is about {$6500.00} a month, enough to pay our bills. But recently the account has been showing differently with our bills being paid our bills are usually {$3400.00} a month and we don't have any other expense to account for the money to cause the bank to show for the withdrawal. Will you please investigate this matter? Enclosed are bank statements from XXXX to XX/XX/year>. Thank you.

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 2024-09-13 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: OH

Complaint narrative:
Equifax Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XX/XX/XXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


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 explanation
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Heres a more polished version of your statement : I am writing to dispute several unauthorized and unverified inquiries on my credit report. I previously filed a complaint on XX/XX/year> regarding this matter. 

At no point did I provide authorization to Experian or the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have never applied for any loans, credit cards, or financial products with any of these entities. Furthermore, I have never submitted written consent or granted explicit authorization to anyone affiliated with these companies, or to any other lenders. These inquiries are entirely unauthorized.

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 2024-09-13 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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