vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: AR

Complaint narrative:
I am writing to formally complain about a persistent issue related to inaccurate information on my credit report. I have made several attempts to rectify this matter, but it has not been resolved satisfactorily. 

The issue in question pertains to a late open account that has been erroneously reported on my credit report. This account, as reported, is inaccurate and has been negatively impacting my credit score. I have taken the following steps to address this issue : Subsequently, I contacted your bureau to dispute the account 's accuracy and request its removal or correction. I provided all the necessary documentation to support my dispute. 

Despite my initial dispute, the inaccurate account remains on my credit report, and it continues to have a detrimental effect on my creditworthiness. 

I made additional attempts to contact your bureau to follow up on my dispute, but the issue remains unresolved. 

I understand the importance of accurate credit reporting and its impact on an individual 's financial well-being. The inaccurate reporting of this late open account is unjust and damaging to my credit profile, making it challenging for me to obtain credit and financial opportunities that I am entitled to. 

I kindly request that you promptly investigate and correct this matter by removing the inaccurate late open account from my credit report. It is crucial that my credit report accurately reflects my financial history and responsibility. 

Please provide a written response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). In your response, kindly inform me of the actions you have taken to address this issue, as well as any changes made to my credit report. 

If this matter is not resolved to my satisfaction within 30 days, I may be compelled to escalate my complaint to the appropriate regulatory authorities and seek legal remedies. 

I have enclosed copies of the relevant documents, including my credit report with the inaccurate information highlighted, as well as proof of previous disputes and communications. This late open account should be corrected by the credit bureaus immediately : XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
there are five hard inquiries on my credit report from XXXX... please remove 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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023, I submitted a payment of {$640.00} from a checking account ending in [ ask if needed ] which had XXXX XXXXXXXX on it to Citi Bank to pay my balance and keep my account funded. After a few days, I recognized a Return Check Fee. Confused to why that would be I would call Citi Bank for the first time on XX/XX/XXXX inquiring about the fee and why. The person on the phone did not explain the fee after I constantly asked why and I asked to get it waived which they agreed to do, I just had to wait until my statement posted on XX/XX/XXXX. Waiting until XX/XX/XXXX I would call Citi again as I noticed that another returned check fee appeared again. This agent wasnt informed on what it was either and once again said that when my statement is posted, they will reverse it and my account will be reflected to show the proper balance. So I wait until the next day where I receive an email saying a Replacement Payment is required. So I call Citi to ask about that as well as with an agent on the phone saying my account is fine all I have to do is make a payment. I used my account Ive been using with Citi to make payments to make a payment of {$680.00} which XXXX XXXX confirmed on a call I had with them minutes prior that they see the payment and it will be released, everything is all set. Hours later, I check my Citi account is closed with no notification after being strung along for a week and lied to before the account was randomly closed after taking a {$680.00} payment from me verbally after going through their verification process on each call. 

I reached out to Citi Executive Response Unit to explain the situation and they made a case to investigate it under the case number [ ask if needed ]

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 2023-09-16 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: TX

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
please remove any hard inquiries off 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 explanation
Consumer complaint received 2023-09-16 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: GA

Complaint narrative:
I currently have Fruad accounts and inquiries appearing on my credit report. I have attached an FTC Report for supporting documents.

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 2023-09-16 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 currently have Fruad accounts and inquiries appearing on my credit report. I have attached an FTC Report for supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX Inquiry : XX/XX/202 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry XXXX XXXX XXXX, 2023 XXXX XXXXXXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XX/XX/ 2023 XXXXXXXX XXXX XXXX  Inquiry : XX/XX/2023 XXXX Inquiry : XXXX. XXXX 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX 2023 XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX 2023 XXXXXXXX XXXX Inquiry : XXXX. XXXX 2023 XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX 2023 XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX 2023  Please remove it from 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 explanation
Consumer complaint received 2023-09-16 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX AMBULANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX  XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-09-16 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: CA

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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX I was talked into adopting a tortoise through XXXX. I agreed to pay the shipping charges only. The XXXX  Site called " XXXX XXXX '' agreed and promised they would send me the tracking # for the Rescued Tortoise " who needed a home '' and it would arrive on XXXX. They wanted me to send {$40.00} via Paypal to a specific Email address, stating it was his " wife 's '' email address. I sent {$40.00}, and the transaction added {$2.00} ( charging me {$42.00} ), so I know that is a foreign transaction. He had told me he was in Florida, sent me pics of the tortoise, etc. He then asked me to send more money to 2 different email addresses that had XXXX lettering and I asked if he was in America, he became offended. He said I had to send an addition {$50.00} because the tortoise needed a XXXX XXXX. He said he was at XXXX XXXX  and going to do the XXXX XXXX while there. At a point after I had unfortunately initiated the {$40.00} payment to ship the rescued tortoise, I told him I felt uncomfortable with the entire transactions and to refund my {$42.00} as it seemed fraudulent and nothing made sense. He again promised the tortoise would arrive and he'd send the Tracking #. Instead, he never sent the XXXX XXXX  tracking # or the XXXX. That same night ( XXXX ) he blocked the Messaging on XXXX and removed his XXXX XXXX called " XXXX XXXX ''. 

I reached out to Paypal on XXXX after I realized I was completely scammed and told them not to pay this as it was a Scam. 

They paid it the next day ( XXXX ) anyway, and the {$42.00} came out of one of my XXXX XXXX XXXX that I have NEVER used to make purchases. I only use my Credit Card which takes the money from my regular Checking ; or use my regular checking account. 

I made a complaint to XXXX ( my bank ) asking them to help, but they said Paypal has to handle it. 

I have sent additional notes to Paypal, as well as the person " XXXX XXXX '' ( the name of the person that is assigned the email address I sent the money per the request of " XXXX XXXX '' on XXXX ). 

Paypal 's response is- They will respond by XXXX which is over a month away. 

I sent a message to XXXX XXXX ( the recipient ) telling her to refund the {$42.00} received but she did not respond on Paypal, and blocked me from sending further messages on Paypal. 

Can you help me with this? Paypal should have stopped this immediately on XXXX, as I did contact them prior to them sending my money once I realized I was scammed. 

I have the entire XXXX XXXX that took place between me and the site called XXXX XXXX, before they blocked messages and removed their XXXX XXXX. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a XXXX dollar charge from freeshipping -XXXX  that I do not recognize. I do not know what this charge is. It had been recurring. I tried to call numerous times and I am put on hold and nobody ever answers. I want all charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: NJ

Complaint narrative:
There are hard inquiries from several companies I do not recognize. Such as, XXXX, XXXX XXXX XX/XX/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 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 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 2023-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
First of all we all know when a business uses the term XXXX it is just a big front. 
Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my 20s of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all spineless, I have enclosed two documents that shows who the liar is who had inappropriate things on their mind. 
Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my 1st amendment privileges which are freedom of speech and expression of what one believes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: CA

Complaint narrative:
Equifax I believe is retaliating against me for filing complaints and lawsuits by blocking me from seeing my accurate credit report. I filed complaints on XX/XX/XXXX and they have been providing creditors and myself with another credit profile since then. 

I noticed these actions on XX/XX/XXXX when I spoke with Equifax supervisor XXXX # XXXX and filed a dispute # XXXX letting him know that when I pull my credit report using my social security number ending in XXXX, Equifax generates a credit report for a social security number ending in XXXX. It has been over 30 days and Equifax is still purposely and negligently supplying inaccurate information to myself and creditors and refusing to allow me to see my real credit report, which is direct violation of FCRA section 623 ( a ) and CCRA 1785.15.1 ( a ) and 1785.16 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Yes A few days ago I logged into my Chime Account and it was locked. It gave a message to submit documents to verify my identity. Upon submitting documents I received a immediate response to send documents again. This repeated all day for 4 business days. Ive called Customer service they tell me to wait for email Everytime. I explain the issue to them and the response is wait for email 24hrs. This is the bank account my weekly paycheck from work goes to and they are not trying to solve my issue. I am requesting account deletion and funds to be transfered to XXXX account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX I XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-09-16 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: GA

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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