vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: OH

Complaint narrative:
I recently submitted a complaint about Equifax through the CFPB here is the number associated with the dispute that is still open XXXX. Equifax continues to not follow procedures according to the FCRA and continues to provide stall tactics to prevent my disputes from being heard and my report being rectified. They are in violation of sections 607, 609, and 611 of the FCRA. I recently received mail indicating that they need more identification in order to open my dispute when my drivers license and proof of address documentation was given in the complaint listed above. I am requesting the CFPB step in in order to rectify what Equifax is doing. I am attaching the letter I received when my identification has clearly already been provided I've requested an investigation and here is exactly the request according to the open dispute XXXX : The account reporting is in violation under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy. XXXX XXXX XXXX  Account Number : XXXX. Not only that but the account was never properly investigated through Equifax. I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. FCRA Section 623 states the responsibilities of furnishers of information to credit reporting agencies. FCRA Section 624 has information concerning the responsibilities of credit reporting agencies upon receiving notice of disputes. I am demanding to see verifiable proof of what is on file for the accounts listed in my dispute. Failure to provide this proof has adversely impacted my ability to obtain credit. Removal of Unverified Accounts : As per the FCRA, states that when information on a consumers report can not be positively verified must be removed from my credit report. If you are unable to furnish a copy of verifiable proof, you are obligated to remove the accounts listed in my dispute or update it using the facts given to you by the consumer. This account listed is a clear violation of FCRA Section 609 ( a ) ( 1 ) ( A ) : This section explicitly requires the verification of original signed consumer contracts for all accounts posted on a credit report and I should have been given a proper investigation. My report is still misrepresented and none of the information reports the same on any of my consumer reports. It is evident that my dispute must be adhered to and I am requesting the CFPB to step in to ensure it is rightfully executed. Please refer to my attachments for my complaint in order to adhere to my request and please send an updated copy of my credit report as well. Another violation that has happened which is a violation of 1681g ( a ) ( 1 ) which requires a consumer reporting agency to provide consumer reports upon requests which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
I did a transaction on XXXX of XXXX XXXX XXXX, on the same day itself due to exchange value increased, i cancelled this transaction to do another transaction. 
1st transaction, ( cancelled by me ) but the funds deducted from my account, when i called the remitly, they said funds are safe with them it take XXXX days to process. Today on XX/XX/XXXX when i again called them, they said they never received the funds from my account. 
They are so confusing and frustrating, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: EQUIFAX, INC.
State: CA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is related to the previous complaint against Citi in regards to closing my account. After receiving the complaint I issued previously, they called on Monday, XX/XX/XXXX at XXXX XXXX EST and left a vmail. Upon hearing the vmail, I immediately tried to return the call to 'XXXX  XXXX XXXX ext XXXX. The phone rings ONCE and then HANGS up on their end. I tried calling 6 times yesterday and once today getting the same result. I now have gotten a notice that I owe {$1.00} for interest on a dispute that should have never been on the bill at all. I also received the attached email to call their Executive Response team at the phone number and extension listed above.

This is nothing more than another DELAY TACTIC on the part of Citi who REFUSES to close my account. I also have another Citi credit card that I just received that I want to cancel as well. I should also not have to pay the {$1.00} interest charge for a charge that was not mine. I will NEVER back with Citi, nor recommend it to anyone. This is the worst I have ever had to deal with any financial institution!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX XXXX Account number : XXXX This is my SECOND request. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up. ( Attached is the recent update on the alleged VERIFIED account from Experian ) The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries.

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account is set up to overdraft on reoccurring bills. I have used this program multiple times with no issues because I've always paid off the overdraft. Including last month on the same monthly rent bill. They rejected the overdraft this month without warning and without listing the reason as to why it was rejected. I spoke to 3 ppl in customers service. The first couldn't help me with the actual problem, but she did reverse some fees as a curtesy. The second straight up lied about a monthly limit that doesn't exist in their policy first claiming it was XXXX and then changed to XXXX when I pointed out the payment was for {$810.00}. The third confirmed that the second one lied and that it'll be marked on her record, but then gave me attitude and a circular logic argument about the reason my overdraft was rejected is because my account doesn't have enough money in it. Which makes an overdraft policy completely useless as it's literally there to cover accounts not having money. All three of them acted really skittish when the point came that I asked to speak to someone above them and the third one just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital credit card is not mines and need to be off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: UT

Complaint narrative:
XXXX not only closed my account without any notification, despite having just a single {$200.00} dispute but also withdrew over {$20000.00} from my direct debit card on XX/XX/XXXX without prior notice ( see attached ). Currently, nearly {$20000.00} is being held, preventing us from paying our contractors and employees, which is severely disrupting our business operations. This is unacceptable, and I demand the immediate release of all funds. 

When I reached out to customer service, they couldn't even provide a breakdown of the funds being held. 

Given our ongoing relationships with customers, we could recover the money by asking the customers to dispute EVERY TRANSACTION and then we recollect from them, but XXXX would then face XXXX disputes from customers. To avoid this risk, I urge XXXX to respond promptly with a resolution.

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 2024-08-13 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number : XXXX, XXXX XXXX Account opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account Number : XXXX, XXXX XXXX under account number XXXX, The XXXX XXXXXXXX XXXX under account number XXXX, XXXX XXXX XXXX  under account Number XXXX, XXXX XXXX  under account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  under Account Number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. And the address XXXX XXXX XXXX XXXX which is associated with my credit profile needs to be removed and updated to XXXX XXXX XXXX, XXXX Oh. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NE

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>. I sent a letter to Equifax, XXXX and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.

Company response to consumer: Closed with non-monetary relief