vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
I'm writing this complaint and there is no third party involved. 
This company Equifax is very deceptive and unfair, they keep ignoring the situation based on the istrunction I'm giving them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me and send me the same document asking for Proof of Identity. I sent them my SSC, my Florida ID, and a bill with my current address and they keep coming out with the same excuse that they need to verify my identity, ( document they sent attached ) They already sent it to me 3 times. later on I found out that Equifax like to use that technique to ignore the letter consumers send. 
This is my privacy and I take very serious and if Equifax wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. 
Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. 
Equifax broke the law and they keep doing thing with my consumer report without my consent. No consent is Identity Theft. 
Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG XXXX CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. 
I don't want the same thing happen to me. I need Equifax to take responsibility and stop sending me the same document avoiding everything IM asking for...

Im attaching all the copies that I have sent to equifax, attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: OH

Complaint narrative:
I have been going back and forth with Experian for 90 day 's about a few account 's that should not be on my consumer report. Ive expressed my concerns with Experian and made them aware that they are in violation of the FCRA pursuant to 15 USC 1681c-2 ( A ) Experian refuses to delete information that was reported as identity theft. The law says, in case of identity theft a consumer must provide 1. Ftc identity theft report 2. identification ( my Id ) 3.Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume responsibility. 

The Facts I sent over all 3 appropriate document 's to Experian I mailed the documents certified on XX/XX/2022 they recieved the document 's on XX/XX/2022 XXXX XXXX, pursuant to 15 u.s code 1681c-2 Block of information resulting from identity theft the blocking of such information should be blocked not later than 4 business day 's I will submit proof showing it's been way over that time frame. Experian 's actions has caused me actual damages of mental anguish and economic loss for being willfully non compliant pursuant to the FCRA. The supreme court has held that in order for a violation of the FCRA to be willful. It must have been committed knowingly and recklessly. I have been reporting this to Experian for the past 90 day 's way past the 4 business day time Frame.

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Lending Club Corp
State: NC

Complaint narrative:
On XX/XX/XXXX, LendingClub Bank, banking partner of XXXX XXXX, suspended my account, demanding an external investment account statement ( from an account that doesn't provide statements ), info regarding my recent debit card transactions, and a copy of my XXXX Tax return. The freeze caused two returned ach deposits at different institutions that were in transit to the account before the account was frozen, hurting my relationship ( and causing another freeze at a different bank, where I have to explain why the ACH was returned ). 

Paradoxically, the reason for the freeze and intrusive investigation is a result of LendingClub/XXXX " taking my security and privacy seriously. '' I can't reach them via phone as they're always " helping other customers '', and their email support is unresponsive, despite the 24 hour SLA. I reached out by email at XX/XX/XXXX XXXX XXXX XXXX, and I haven't heard back yet. I'm hoping that by filing this complaint, LendingClub/XXXX can institute an actual customer support channel, and in addition, will close my account+return my funds promptly to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

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 2022-01-27 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: Albert Corporation
State: MD

Complaint narrative:
On XX/XX/2022, I received in the mail an unsolicited Albert cash card. The card reflects my name and was mailed to my home address. On XX/XX/2022, I sent an email to XXXX notifying them that this was a fraudulent account opened in my name. I requested that they close all accounts in my name and send me confirmation that action to close all accounts in my name were closed. On XX/XX/2022, I received an email from XXXX thanking me for bringing to their attention the Albert cash card I received in the mail. They asked me to confirm the full name printed on the Albert cash card and the last 4 digits of the debit card number. They indicated they would close the account once this information was received. On XX/XX/2022, I responded with the full name on the Albert cash card and the last 4 digits of the debit card number. I requested written confirmation that the account was closed and also confirmation that there were no other accounts open in my name. As of XX/XX/2022, I have not received any further communication from Albert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MI

Complaint narrative:
I asked the bureau for validation ( in the form of an original contract ) for the fraudulent account. In addition to the bureau request, I submitted a letter and anXX/XX/XXXX report. I have not received any original contracts, and the information is still on my report. 
Their response was that the information was accurate, and they blatantly ignored my request to see the document that they have on the file between me and this company, even though the law states that I am entitled to that information.

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 2022-01-27 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I see I have another 2 accounts, I dont understand where you get from them I believe that someone have my personal information. I m disappointed!

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 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I applied for an SBA loan with Huntington Bank and the representative took my information and submitted the application supposedly to underwriters on XX/XX/XXXX. The issue that I have with Huntington Bank is their representative lead my business partners and I that the loan was still being reviewed but was already decision without a notice or letter of denial which is a violation. I called on XX/XX/XXXX and spoke with another representative in the branches stated it was denied and reasons did not fit my financials. SBA loan originators need to viewed by the government to vet their lending practices because they are making it hard for middle class and small business owners to utilize this product from the government. They advertise that they help out veterans and minorities and yet the loan originator stated that they treat everyone the same to avoid " prejudices '' or " treat others indifferent '' how can that be when they advertise it means they really dont believe it and they really dont understand the business practices that the SBA lender guidelines require. The government really need to look at their lending practices they also stated that the industry " coffee '' is high risk supposedly when it is on the SBA lending approval. The company needs to revisit their business practices and go by the guidelines set by the SBA also there should have been a letter of denial explaining the reason for the denial. I'm not for sure how we were denied my credit was not pulled and he gave me scores from one bureau that did not reflect an inquiry from myself or business partners. This experience has felt very prejudice, biases and insensitive to people trying to start a business that will benefit the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: AR

Complaint narrative:
I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Equifax dated XX/XX/2021. Equifax stated in the previous complaint that they would send me investigation results within 60 days. ( see attachments ) The FCRA states that consumer reporting agencies have 30-45 to complete an investigation, verify or the account must be deleted. It has now been 105 days since my complaint and I still have not received anything regarding the investigation from Equifax. I called Equifax and spoke with a rep who told me to file a fraudulent identity theft report with the FTC and local law enforcement in order to have the account deleted. Equifax has broke XXXX XXXX by continuing to report inaccurate information. Trying to resolve this has caused me stress, mental anguish and headaches. I want this account removed from all consumer reports and credit files immediately and permanently or I WILL SEEK AN FCRA ATTORNEY AND FILE A LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied for a Chase Freedom Unlimited credit card in XX/XX/XXXX. One of the perks of the card was 5 % cash back on grocery purchases for one year. I was approved for the card and when I received the card it did not include any information regarding the 5 % cash back on grocery purchases, so I called Customer Service. The Customer Service Representative assured that I would be receiving the 5 % cash back on grocery purchases, so I was satisfied at that point. 

When I received my first statement ( Opening/Closing Date XX/XX/XXXX - XX/XX/XXXX ) it listed 10 grocery purchases totaling {$170.00}. There was no 5 % Cash Back for Groceries listed. I called Customer Service XX/XX/XXXX. After describing everything I have said above, then a long wait on hold, the Customer Service Representative said that I did not qualify for the 5 % Cash Back on Groceries. I said that in the form that came with the card, Chase indicated my XXXXredit score was XXXX, why would I not be qualified? She did not know. Also, the promotion for the card said nothing about qualifying separately for the 5 % Cash Back on groceries. That was just one of the perks if you qualified for the card. 

I called again on XX/XX/XXXX. After describing everything, the first Customer Service Representative I spoke to transferred me to another Representative. After explaining everything again, he said the 5 % XXXX Back on groceries was not a perk on my card. 

I told that Representative that if you look at the current Chase offer for the Freedom Unlimited card ( https : //creditcards.chase.com/ ) it is the same as it was when I applied except the 5 % Cash Back is now on gas station purchases, CHASE FREEDOM UNLIMITED CREDIT CARD {$200.00} bonus plus 5 % gas station cash back offer Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. And earn 5 % cash back on gas station purchases on up to {$6000.00} spent in the first year. 
Earn 1.5 % cash back on all other purchases No Annual Fee He did not change his position and he said that he was the last person I could talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: NC

Complaint narrative:
Experian consumer reporting agency has been reporting a unauthorized and fraudulent collection account on my credit report since 2017 without my consent or permission. The account currently has a cease and desist order against it with the company thats furnishing the information and I filed a identity theft report against them as well. This is very impartial to me because experian did not ask me if the fraudulent account was mine or one that I had opened. This account has been a thorn in my side and I have been denied credit because of it! I have mailed experian a copy of the cease and desist order and a copy of the XX/XX/XXXX report and im aware that they have to stop reporting the fraudulent information immediately.

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 2022-01-27 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: TX

Complaint narrative:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CO

Complaint narrative:
I received a letter from XXXX XXXX, of Viking Billing Service XXXX XXXX XXXX MN dated XX/XX/XXXX stating that a car I rented fromXX/XX/XXXX in XXXX XXXX CA was damaged while in my possession and that I owe {$410.00}. There was no description or evidence of the alleged damage, and in fact, I drove the car only XXXX  miles without incident. It was parked for all but the trip to and from my parents ' farm. When I returned it, no mention was made of any damage. 

I talked to a representative at Viking who said she could send documentation of the damages, but I have not received any such documentation as of this writing. Not that that would somehow change my mind -- no damage occurred to the vehicle while in my possession. I contacted XXXX and they told me they have no record of damaged related to my rental. 

I have mailed a letter to XXXX XXXX using one of CFPB 's templates asking that he provide evidence of damage, and otherwise desist from contacting me. I also filed a complaint about this episode with the Minnesota and North Dakota XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

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 2022-01-27 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: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

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 2022-01-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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