vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: OR

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XX/XX/year> {$680.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

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 2024-07-24 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: OR

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XX/XX/year> {$680.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The year of XX/XX/XXXX I had aXXXX a XXXX dollars in my account with navy federal credit union which I have XXXX checking account there saying that I did not oped these accounts until the year of XXXX and XXXX money was put in these accounts in the year of XXXX also on XX/XX/XXXX XXXX money was put in my checking account I wrote them a letter about funds been missing out of my account in the year of XXXX never got a response back please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
There are XXXX fraudulent inquires on my credit report : 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 2024-07-24 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: IL

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-07-24 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: IL

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NC

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-24 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX # XXXX Ordered a jacket online on XX/XX/XXXX. Was supposedly delivered on XX/XX/XXXX via XXXX ( originally shipped via FedEx ). Never received item. Reached out to XXXX ( via phone ) and was told to wait XXXX days, as XXXX marking an item " delivered '' may simply mean that it was on the truck for delivery. XXXX days went by and I reached out to XXXX again XXXX via phone ) and was told I needed to wait 5 days to file a claim. Filed a claim online for " Item Not Received. '' XXXX business days go by and it was denied. I called XXXX again ( via phone ) to appeal the claim. Another XXXX business days go by and I got an email that it was denied. 

I then opened a dispute with American Express. This dispute was opened/closed XXXX separate times. The first time, it was simply closed. The second and third times, American Express sided with XXXX and provided documentation with XXXX things ( XXXX ) proof that I initiated the order ( not disputed ) ; XXXX ) XXXX  tracking showing that the item was delivered ( no signature, photo, or proof of delivery ) ; 3 ) return policy stating that since 30 days had elapsed, XXXX would no longer accept a return ( I can't return an item I never received ) ). Since XXXX provided those documents, AmEx refuses to honor the dispute. I've even spent days and weeks on the phone with AmEx 3-way calling XXXX to try to get XXXX to share a proof of delivery or proof that they had opened a claim with XXXX. I never got proof that they opened any inquiry with XXXX. XXXX will not open a claim for me, as I am not the shipper. 

At various times, American Express disputes team told me : - That I could file a " XXXXhase Protection '' claim. Their purchase protection terms state that items in the possession of a " common carrier '' are not covered. As I never took delivery of the item, I could not say it was stolen from me.

- American Express requested multiple times via 3-way calls with XXXX that they provide proof of delivery ( signature or photo ) or proof that XXXX initiated a claim with XXXX. XXXX never provided either. 
- American Express told me that they would write off the charge. Then at another point they told me they would offer me half of the charge as a gesture ~ {$380.00}. Ended up offering me nothing. 

I am at a complete loss at this point. This was an expensive item that I bought myself for my birthday. I don't know what other recourse I have. I thought XXXX would have opened an investigation with FedEx and replaced the item. I thought AmEx would have my back once I filed a dispute. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I attempted to wire money from my XXXX checking account to a beneficiary at Bank of America. The beneficiary name did not match the account because of a mistake. Bank of America took a {$45.00} fee I never agreed to without any communication to me before sending a reverse wire. So I was returned {$45.00} less than I attempted to send out.

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 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: C2 Financial Corporation
State: CA

Complaint narrative:
I asked XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) for a loan estimate. She refused to provide a loan estimate " unless I have all your documents and full documentation for an application. '' I have received loan estimates from other companies, and per the CFPB website, I don't need to provide additional documentation for a loan estimate. https : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XX/XX/XXXX - This collection was removed before from my report, because another company had no validation or proof of debt XX/XX/XXXX - this collection was placed back onto my account by this company ( rent Recovery ) XXXX Disputed these charges because once again this company has not provided me with anything. 

XX/XX/XXXX - noticed this collection was on my account again XXXX I contacted company, they gave me refusal of account information XX/XX/XXXX - contacted company I was told by the agent handling my account that I will not be receiving a Validation of Debt Letter because they do not have to provide one anymore. I explained that was against the law to tell me I have no right to challenge the debt. I provided a mailing address where they could send the information and was once again denied. 
This claim was from XXXX and is also past the Statue of Limitations, I have asked this debt collector several times to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
We opened a XXXX with Citizens that matured in XX/XX/year> and we never received communication that it was maturing. Citizens has renewed the XXXX for XXXX more years, and will not let us access our funds without a hefty removal fee. We would like our funds transferred back to our original account at XXXX  XXXX XXXX, and Citizens is not permitting this. Not everyone is connected to email XXXX, and we never received the original email that our CD was due. Even more importantly though, we never received a phone call. I think for people who are not on technology all the time, a phone call would be a much better communication tool than email. 

Citizens responded to the first complaint with a PDF of a maturity notice that they said they mailed us. We never received this letter. XXXX people I spoke with said that Citizens does not mail letters. 

I am hoping you can help get our money out of this bank without a penalty fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
I was not aware of this loan. I did not create this account and have no affiliation with them. I was looking at my credit report to see what I could do to improve it and that's when I noticed. I tried to get in contact with them however there is no one picking up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: AL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on XXXX account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided 1 demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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 2024-07-24 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: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-07-24 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: IL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

Company response to consumer: Closed with explanation