vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I opened checking account on XX/XX/XXXX with XXXX XXXX and kept a stellar account history with them. I retrieved my EWS report only to find that on XX/XX/XXXX XXXX XXXX reported that I overdrew account. That is false and defamatory and I request they investigate to correct their error and remove this information. I would need to see proof of a bank statement showing the amount overdrawn otherwise remove this info from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had to open an account with chase bank back in XX/XX/XXXX, I EXPLAINED TO CHASE WHY I NEEDED A NEW ACCOUNT I HAD IDENTY THEFT PROBLEMS few months earlier that are not resolved & THAT IM CONCERNED FOR ACCOUNT SECURITY, I IMMEDIATELY HAD AN ISSUE WITH MY ACCOUNT I WAS GIVEN AN APOLOGY & AND NEW CARD WAS ISDUED I REQUESTED MY INFORMATION BE KEPT PRIVATE & PROTECTED WITH A NEW ACCOUNT NUMBER WHICH IT WAS NOT APPROVED? XXXX FORWARD I experienced more misinformation & QUESTIONABLE TRANACTIONS MADE WITH A TEMP CARD? WHICH WERE RESOLVED IN XX/XX/XXXX I WENT TO MAKE A CASH DEPOSIT INTO ATM & EVERY ATTEMPT I WIUKD RECEIVE AN ERROR MESSAGE TRANACTION NOT ALLOWED THEN I CALLED THE CUSTOMER SERVICE THE FOLLOWING DAY BECAUSE THEY WERE CLOSED THAT NIGHT WHEN I WAS ATTEMPTING TO MAKE A DEPOSIT. THE DEPOSIT WAS {$300.00} CASH IT WAS IMPORTANT TO KERP MY ACCOUNT FROM GOING NEGATIVE! WHEN I CONTACTED CHASE CUSTOMER SERVICE THEY INFORMED ME THEY DIDNT HAVE ANY INFORMATION TO WHY I WAS HAVING A PROBLEM WITH MY ACCOUNT THEY SUGGESTED TO GO INTO THE BRANCH, I WENT TO THE BRANCH TO MAKE A DEPOSIT AND YHEY COULD NOT TAKE MY DEPOSIT & THEY DIDNT HAVE SN ANSWER TO GIVE ME! SO I CALLED SEVERAL ORHER DEPARTMENTS CONCERNED ABOUT MY ACCOUNT WITH NO ANSWER TO WHY I COULD NOT MAKE DEPOSITS. I FINALLY RECEIVED INFORMATION MY ACCOUNT WAS CLOSED? I ASKED WHY I WAS TOLD IT HAD A NEGATIVE BALANCE FOR MORE THAN 60 days?? NEWS TO ME!! I USED MY ACCOUNT UP UNTIL XX/XX/XXXX IT WAS CLOSED ON XX/XX/XXXX? XXXX DAYS LATER I STILL DONT UNDERSTAND ONLY BECAUSE THE REASON I COULD NOT MAKE A DEPOSIT IT WAS BECAUSE MY ACCOUNT WAS ALREADY CLOSED & AND I WAS NOT INFORMED!! NOW TODAY I SPOKE TO A XXXX VERY RUDE IN THE RESTRICTIONS DEPARTMENT WHICH INFORMED ME THAT MY ACCOUNT WAS CLOSED OVER A DISPUTE?? I ASKED FOR MORE INFORMATION & DOCUMENTS TO CALIBRATE THE INFORMATION? I SAID MY ACVOUNT WAS CLOSED OVER A FRUAD DISPUTE ON MY ACCOUNT THAT I REQUESTED BE DISPUTED? I SAID YOU MAKING ZERO SENSE BECAUSE THE DISPUTES WERE MADE IN XXXX & THEY DID NOT MAKE A DECISION ON THESE DISPUTES UNTIL XX/XX/XXXX? ATTACHED ARE THE STATEMENTS FROM MY ACCOUNT SHOWING THE INFORMATION. I ALSO WAS TOLD THAT I PAY THE AMOUNT CHARGED OFF I WOULD ESTABLISH MY CHASE ACCOUNT? THE RUDE WOMAN IN THE RESTRICTIONS DEPARTMENT SAID I COULD NOT HAVE AN ACCOUNT WITH CHASE AGAIN!!?? I SAID WHY WOULD THIS DECISION BE MADE XXXX A DISPUTE? SHE HAD NO ANSWERS NO TIMELINE NO REAL INFORMATION!??? I WOULD LOVE AN EXPLANATION PLEASE THE TRUTH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-17 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: RI

Complaint narrative:
As described in a previous complaint the company did not afford me the opportunity to rectify a payment that was not processed by the bank before writing my loan off and sending for repossession they sent me email confirmation of payment never a notification that that payment did not go through. At a later date when trying to make a payment the agent on the phone told me if I payed the past due balance in full my loan would resume as normal I then made a XXXX XXXX payment to only find out after making the payment that my loan would never resume as normal and that it would now remain in collections. I am under the impression that it is illegal for an agent to lie to a customer over the phone? I then asked to speak to a supervisor and was refused by the agent to speak to one and then the agent stayed on the line without speaking essentially ignoring all request for long periods of time. A complaint was filled against the agent which I never received follow up. When trying to call the recovery unit no one answers the phone during normal business hours making it extremely difficult to gather information or make payments. When I called the main bank the agent on the line was also unable to reach the recovery unit. In the previous complaint the company never address several issues about notifying me prior to write off or repossession. Still no supervisory agent from the bank has personally contacted me from the recovery department to speak 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 explanation
Consumer complaint received 2024-02-17 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2024-02-17 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XX/XX/2024 at XXXX I logged into my US Bank Credit Card account to make my payment. I used my XXXX XXXX XXXXXXXX savings account for the transaction. Lately this establishe link to my XXXX  account has been failing. 
So later os same date XXXX at XXXX hrs I logged in again and I confirmed my payment failed. So at this time I did a transfer from my US Bank saving account to my Credit Card account for the sumn oif {$200.00}. 
I hit the submit button and noticed no confirmation email was sent to me yet my savings account was decremented. 
While checking viewing my Savings account and Credit CXard account I noted a {$40.00} Late fee was applied on same date I made the payment.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wallet was stolen this afternoon at XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX, with driver 's license, social security card, bank debit card, and credit card. Fraud purchase was made at XXXX XXXX store. on XX/XX/year>. between XXXX XXXX XXXX XXXX. I called bank XXXX and Chase credit card company to report card lost and stolen. Police report was filed at the XXXX police department. case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
I am contesting the information on my credit report that I believe is not accurate.I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the 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 non-monetary relief
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief