vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have received a hard inquiry after applying for a credit card with XXXX on XX/XX/2020. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I mailed dispute letters to XXXX, XXXX, and transunion on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, XXXX, and transunion remove the accounts I disputed on XX/XX/21.

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 2021-11-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I mailed dispute letters to XXXX, equifax, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, equifax, and XXXX  remove the accounts I disputed on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Titan Revenue Solutions
State: AZ

Complaint narrative:
We belong to a racing association that had a block of rooms back inXX/XX/2018. These rooms were limited so I called months prior and wanted to reserve rooms early before they were booked. When I called I spoke with someone in Sales and they faxed me a " request form ''. I faxed it back immediately and called to confirm if they had received this. I never spoke to anyone I had to leave a message. I called back numerous times and never spoke to anyone, I always left a voice mail with no return call. The day prior to the race I believe on XX/XX/2018. I called again and left a message stating I have not heard from anyone on the confirmation of my rooms and that I had to make a reservation at a different hotel as when I called the front desk for a regular reservations I was told the hotel was completely booked so I went elsewhere. The next day about XXXX XXXX as we were driving to our event, I finally received a phone call and was told my reservation was accepted. I told them I did not need the rooms as I never heard back from anyone even after weeks of trying to confirm my reservation with no success. I was told I could not cancel as it was after the XXXX XXXX cut off for cancellations. I explained my situation and I was told " to bad '' it was after XXXX XXXX  I never knew this went into collections until last month it showed up on my credit report. I have called the hotel to speak with the hotel reservation manager and have left two messages and AGAIN with no call back so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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:
I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but XXXX XXXX XXXX XXXX XXXX could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXXbut not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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:
I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but XXXX XXXX XXXX XXXX XXXX could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXXbut not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX- XXXX - I was never late on this account. 



XXXX XXXX  - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021, in the early afternoon, I went to the XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX  branch of the Bank of America. My wife and I are purchasing a house and in order to sign the contract with the seller, we were to wire 10 % of the purchase price to the sellers ( {$72000.00} ). I met with XXXX XXXX. I gave XXXX the wire information and she gave me a Funds Transfer Request Authorization stating the wire had been sent. Later that evening I received an email from the attorney 's office stating that they never received the wire transfer. I spoke with Bank of America and I was told that they had put an urgent label on my wire. I also reached out to XXXX and was told that the wire would be sent later that night or first thing the next morning ( XX/XX/2021 ). 

Today ( XX/XX/2021 ), I received an email from the attorneys around XXXX XXXX XXXX stating that they still had not received the wires. I immediately called Bank of America customer service. After speaking to numerous people who couldn't provide me an answer or locate my {$72000.00}, I was told that the back office who is in charge of the wire transfer process has no phone number and no way of being reached out to. No one can tell me where my money is, when it will be sent, where it is and who is in charge of the process. XXXX and BofA were well aware that I needed that money sent yesterday to close on our first home. I need to know where my money is as we are in danger of losing this home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted my Identity theft to the following credit bureaus Transunion and XXXX. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 I sent XXXX XXXX XXXX  a letter to settle the alleged debt but they ignored me and within a few weeks hired a company to collect the debt ( Key 2 Recovery ). According to federal codes & laws ( which overpowers state laws ), It's against the law to attempt to collect a debt unless one is a US attorney and has a contract to lawfully collect debt. This is false and misleading representation. Also, XXXX XXXX XXXX  and Key 2 Recovery are both conspiring against me which breaks 18 USC 241.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted my Identity theft to the following credit bureaus XXXX and Experian. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.

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 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a new checking account with Citi online and immediately transferred a significant amount of money into it from a XXXX  XXXX XXXX account ( by visiting a XXXX branch in order to make the transfer ). The funds showed up successfully in my Citi account within a few days. Next, I attempted to pay a contractor from the Citi account using a verified XXXX account that I've had for years and linked to said new Citi account. The payment was denied. When I called Citi to find out why, I was told a security hold had been placed on my account but was not given a reason why ( one customer service rep out of the 5+ I spoke with said they tried to validate a public records phone number associated with my name ; I have had the same phone number since I was 15 and used it to establish the account so not sure why they would take this action ). Now, I have received an email stating that my account will be automatically closed within 60 days because I " have violated the terms of your account per the client manual '' and I will be mailed a check for the amount in my account. I would like to immediately pull my money out and transfer back to XXXX  XXXX XXXX, but they are not allowing me to touch it. I am at my wit 's end and have never been so frustrated! Citi is holding tens of thousands of dollars that belong to me hostage without any sort of explanation.

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 2021-11-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX 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 and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, XXXX, and XXXX on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have experian, XXXX, and XXXX remove 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  from my credit reports .

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 2021-11-03 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: IA

Complaint narrative:
Firstmark Services is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with Firstmark. I have 2 accounts with Firstmark and on my credit report it is saying I have 4. They originally reported the two accounts under FirstmarkXXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the Firstmark/XXXX  accounts from my report. XXXX and XXXX said that they couldn't delete the accounts until Firstmark told them to, regardless of what documentation I send them. Firstmark didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, FM/XXXX XXXX XXXXXXXX XXXX They did not delete the accounts under the XXXXFirstmark name with XXXX and XXXX prior to reporting the same accounts under the FMXXXX XXXX XXXX name , so now the accounts are listed twice. I have disputed this with XXXX adn XXXX twice, but they keep coming back that Firstmark verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into Firstmark this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. Firstmark has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation