vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Equifax and XXXX to reinvestigate these accounts : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has been reported to Equifax in the amount of XXXX XXXX XXXX and XXXX Dollars. XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( ME ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX XXXX has failed to notified me of debt therefore requesting Equifax remove this Collection from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian violated my rights under FCRA, 15 U.S. Code 1681a, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; If this statute is law, then you can not report any of the aforementioned 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 explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS IS MY 3rd ATTEMPT. IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.

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 2023-06-03 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: KY

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 2023-06-03 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax not only conducted a botched dispute on my behalf but they completely destroyed the information on my credit report. I contacted them with a dispute that the company XXXX XXXX was showing twice on my credit report. I advise them that I paid the account off in full and was never late. This information was reflected on their credit report. Then they had the same company on my credit report as never being paid charged off and paid off by the dealer. This account was inaccurate. In stead of then fixing it during their dispute. They deleted the correct information and left the incorrect information. The other two credit reporting agencies has this information reflected correctly. Equifax not only has this information correct but even on my credit report they have no information to back any of their claims. No payment history nothing everything is now blank. The only thing showing is paid off by the dealer for a joint account that I never owned. This is negatively effecting my credit score under equifax. XXXX and XXXX have my score reflected correctly at XXXX however equifax has my score at XXXX. How are they allowed to report inaccurate information and still be considered reliable for reporting credit. Can someone please look into this. I paid this company every month on time and paid off the car with no problem. They did not conduct an investigation because the company responded to the other 2 reporting agencies that the information on me owing a debt was incorrect. Equifax lied on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
RE : XXXX XXXX XXXX has been reported to Experian in the amount of XXXX XXXX XXXX and XXXX Dollars. XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( ME ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX XXXX has failed to notified me of debt therefore requesting Experian to remove this Collection 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 2023-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email from Capital one stating my profile phone number was updated. I do not have an account with them. Then, a week later, I get a letter stating my application for a checking account was declined. 
Recently, the IRS sent me a notice that I must verify my identity before they process my refund. I have not filed a 2022 return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Apex Mortgage LLC
State: MD

Complaint narrative:
On XX/XX/XXXX Apex mortgage had reach out to me asking if i was in the market to obtain a Heloc i said yes XXXX XXXX run my credit and offered me a personal line of credit based on asset but he said i need to give him XXXX so he can put it in escrow account, he then changed the amount to XXXX i gave him a cashier check then he asked for XXXX send via XXXX XXXX he then proceeded of asking for XXXX with an excuse of the underwriter kept changing the amount. He then never get me the line of credit and neither my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: FL

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 2023-06-03 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2023, I purchased XXXX tickets for {$770.00} on XXXX using my Chase credit card visa ending in XXXX. I immediately became suspicious of the website and believed this was a fraudulent website I tried to cancel my purchase immediately by calling the website numerous times at XXXX and was repeatedly unable to get a live representative on the line. This just made me even more concerned and worried so I texted via the website 's group chat support to communicate my desire to cancel the purchase immediately. When I could not get any feedback from the website I decided to call Chase and reported this as fraud. Chase immediately changed out my credit card and I received a new visa ending in XXXX. The following day, on XX/XX/2023, XXXX emailed me a credit refund for the full amount of {$770.00}. See attached. 

On XX/XX/2023, I noticed that the charge of {$770.00} was placed back on my Chase credit card statement ending in XXXX. I called the Chase credit card customer service to dispute the charge and was placed on hold for over 3 hours. I actually called Chase using two different phones, both times I was placed on hold for several hours. Finally I was able to speak with a Chase customer service representative, At this point I was very agitated due to the wait time. Chase customer service representative ( CCSR ) told me that I had to pay the vendor even though I received the full credit refund. I told the CCSR that made no sense to me if I received a full credit refund. The CCSR could see the credit however he insisted by saying I owed Chase {$770.00} and he insisted that I pay the line item on the credit card statement that reads : XXXX. However I do NOT have any tickets. This conversation created more frustration for me because even though I was able to get a refund with the ticket agency website on XX/XX/XXXX why now on XX/XX/2023 was the charge reappearing on my statement for tickets that I do not have. I would like Chase to pull this charge off my credit card statement as it was a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: FL

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 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX of 2023 I got emails and text messages saying I got approved for {$10000.00}, {$8000.00}, {$5000.00} etc they even send XXXX I signed i literally put my whole personal information from ssn, bank account and router number address everything. After that I got 30 plus emails saying my email and my information was found on the DARK WEBSITE, DEEP WEB I have a screenshot of the docusign its not that clear it shows my name on it shows a number to call I call someone will answer and hangs up Its to companies one name XXXX XXXX XXXX and the other one called the XXXX XXXX, and upstart loans I honestly think its the same people. They got my information when ever they run bank account numbers and routing number they say the dont do business with XXXX  XXXX they black listed thats when I know its to late my personal information is out there XXXX XXXX XXXXXXXX one I ask how do you know that I have XXXX  XXXX they hang up in my part locked my credit and freeze it as well I still dont know what else to do.

Heres 2 of the emails address XXXX ( XXXX ) XXXX & & XXXX XXXX Upstart XXXX ( XXXX ) XXXX Everyone of these sent documents agreements to on XXXX All ask for personal information from ssn bank account and routing numbers.

The 3 companies said I can go up the loan store and pay fee through cash app, XXXX, XXXX, gift card, etc. thats the fact after I sent the company ( s ) all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Every month I paid {$24.00} I had send a few times to my Credit Bureau my disputing Errors on my report with proof. I also send them my legal documents. 

1. Court order by XXXX with the only information on it XXXX XXXX and no other information, no job information, no home address information, no I.D or ony other type of information. Attached you will find the information that is incomplete, wrong, inaccurate. 

2. Attached you also will find a letter with information inaccurate. XXXX is ignoring my Identity theft. I'm tire of speeding, my enemy, time, money. Is not right they are taking my money monthly and don't do anything anything to check the documents that proofs incorrect information. 

XXXX is taking advantage of me. And who knows of how Many millions of people who Don't keep degin or fighting for information that is incorrect In there Credit file. Their negligence and reputation needs to be on the social network for people who are not aware of this inquires unjustified. 

I also have a proof XXXX XXXX account dispute with equifax who with the proof I submitted they did their job and Delete or fix the incorrect information report on my EQUIFAX as negative and they also deleted the negative information report XXXX Which is the only one who did Their job Equifax, XXXX, XXXX, if I have a FRAUD ALLERT where expecify that I called needs to done to my number in other to run a hard inquiry they still denied my dispute. Some they run my credit 2 a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
I started the transfer process to move my XXXX from Optum Financial to XXXX XXXX on XX/XX/2023. All investments were transferred to cash at Optum on XX/XX/XXXX. XXXX overnighted the documents to Optum to request the transfer on that date. I received a {$3.00} HSA Account Maintenance Fee on XX/XX/2023, then a {$20.00} transfer fee on XX/XX/2023. The transfer out which took the money out of the account creating a XXXX balance was on XX/XX/XXXX as well. So it took a month from request to closure. However, the story has not ended there. XXXX has still not received the funds as of XX/XX/XXXX. 

I called Optum a couple of times between XXXX and XXXX to find the status. Their customers service was totally lacking as the only thing they could tell me was what I could already see online. 

I called on XX/XX/XXXX after I received a call from XXXX asking if I could follow up with Optum as they still have not seen the funds. When I called Optum, they said it was going to take another 4-6 weeks to cut a check. I said that was unacceptable and asked for this issue to be escalated. They said someone would contact me within 48 hours. 

On XX/XX/XXXX, I received an email from Optum simply saying that we have completed all actions on your request. Case # XXXX. What action? I had asked for a call back to see why it was taking so long. I called them back at that time and was told that the check was actually mailed to XXXX on XX/XX/XXXX. 

As the check never made it to XXXX, I asked them to reissue the check. They said they would, but now it has been over two months, and I have over {$19000.00} that has been sitting in limbo not growing or earning anything. 

It is like they are purposely trying to XXXX the customer so they can earn money on the float.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: FL

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