vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 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 XXXXXXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this 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 2023-11-07 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: NY

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-11-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : AMEX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: TX

Complaint narrative:
Please refer all my complaints about Keybank. I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX XXXX XXXX XXXXXXXX that i need to call the bank. As I have two bank account with Laurel Road XXXX Keybank. Checking ending in XXXX and saving ending in XXXX Today I received this letter from Keybank that they closed my account and sent me a check for {$10000.00}. I asked them to provide me all the statements as I am not able to access it online. Keybank hasnt provided me the statements till this point of time. I want to make sure that my direct deposits from employer happened on time and right amount. Plus I also want to see whether I got my {$300.00} cash back bonus or not plus whether Keybank applied interest correctly or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-07 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-11-07 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: TX

Complaint narrative:
I am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action.

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report.

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history.

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Immediate removal of the inaccurate information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account : XXXX XXXX Balance : {$470.00}.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have checking account with PNC. Whenever I call PNC - there is a very annoying and bugging bot who doesn't go away or let the customer talk to human being. Finally I was able to chat with PNC and thus asked them to close my account once my account balance reaches XXXX. But PNC want me to contact them again for the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: PA

Complaint narrative:
I request that the Federal Student Loans program consider the removal of all loans associated with XXXX XXXX. This institution, which recently lost its accreditation, deceptively claimed to be accredited. It is imperative to acknowledge that this school 's deceptive practices should not burden students with loan obligations. I kindly urge you to remove all loans incurred from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : 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.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
After I received something in the mail that informed me about a debt I was being asked to pay. After calling the number provided on the notice, I disputed things. When they sent me the verification they had, it was different than what I had been received from my previous property manager ( the creditor ). After speaking with XXXX XXXX, they asked me to send them what I had showing I did not owe anything. I sent them what I had, that included the more detailed itemized list of what the creditor is wrongfully attempting to collect, as well as a stipulated agreement signed by the courts that states clearly that I would not be held responsible for certain things that is what Im being now billed for. I did recently realize that the date shown as the date that I allegedly moved out by is not correct. The creditor put down that I moved out on the XXXX of XXXX. I actually moved out by the XXXX of XXXX. If I had stayed past the agreed move out date then I assume that something would have been filed with the courts or the sheriffs would have been contacted to remove me. Nothing of the sort ever happened because I was out by the date I agreed to be out by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NY

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2023-11-07 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: CA

Complaint narrative:
I need clarification as to why you are reporting certain information on my credit report. Please review the following accounts. 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 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  You are reporting these accounts as charged off yet you also reporting a monthly payment? Delete these account immediately for inaccurate reporting.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTIC E TO AGENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HERE ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY, INTEREST AND RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXXWELLS FARGO YOU HAVE RESPONDED THAT YOU ALLEGEDLY NEED MORE INFORMATION ON WHAT I AM TALKING ABOUT. FOR HOW IS THAT A FACT WHEN YOU HAVE BEEN RESPONDING TO ME IN REGARDS TO MY CREDIT APPLICATION WITH YOU FOR IF YOU NEED MORE INFORMATION HOW IS IT POSSIBLE FOR YOU TO RESPOND ACCORDINGLY IN THIS MATTER. ENOUGH WITH THE STALL TACTICS, I AM TIRED OF THESE CHILDISH BACK AND FORHT GAMES WITH YOU, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SO I WILL KEEP THIS UPDATE CLAIM SIMPLE. ACCEPT MY ORIGINAL CREDIT APPLICATION AS PRINCIPAL INTENDED OR RETURN TO ME MY ORIGINAL CREDIT APPLICATION/SECURITY UNDER TRUTH IN LENDING OR YOU WILL BE HELD LIABLE UNDER TRUTH IN LENDING, THE SECURITY EXCHANGE ACT OF 1934 WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO ENFORCE LIABILITY FOR SECURITIES FRAUD AND WILL BE HELD LIABLE UNDER THE EQUAL CREDIT OPPORTUNITY ACT FOR DISCRIMINMATION DENYING ME A GRANTED RIGHT TO CREDIT AS WELL AS HAVE IRS FORMS 3949a AND 211 FILED AGAINST YOU. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE IN FACT ATEMPTED TO CALL 3 TIMES AND HAVE EVEN LEFT A MESSEGE AND HAVE RECEIVED NO RESPONSE FROM YOU -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE HERE BY PUT ON PROPER NOTICE OF YOUR VIOLATIONS AND ALL COMMUNICATION WILL BE KEPT AND RECORDED SUCH IN CASE MATTERS SHOULD ESCALATE.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted XXXXXXXX XXXX to request to have my payment adjusted in good faith since I have NEVER made any late payments and was advised that I am not able to have any adjustments on my account. I then asked the representative when did they send out my period statement and was it sent out 21 days before the due date and was advised that the statement went out in the mail and not sure exactly when the statement would have out. Which according to what Congress has stated is that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''. I also questioned on why a consumer who is never late on payments can not have an adjustment on their account and the representative stated that they do not have away to adjust the payment history once it has been reported to the credit reporting agency. I am sure that if you can report something you can also send a notice to have to have the information updated. I also sent in a complaint and haven't do not see where they have notified the credit reporting agency of the account being in dispute due to a billing error. This reporting has caused my credit worthiness and general reputation to be in question and is not fair and unequitable. Please update my payment to reflect a good payment standing the account has been paid as agreed and should not reflect anything negativity on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Contacted XXXXXXXX XXXX to request to have my payment adjusted in good faith since I have NEVER made any late payments and was advised that I am not able to have any adjustments on my account. I then asked the representative when did they send out my period statement and was it sent out 21 days before the due date and was advised that the statement went out in the mail and not sure exactly when the statement would have out. Which according to what Congress has stated is that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''. I also questioned on why a consumer who is never late on payments can not have an adjustment on their account and the representative stated that they do not have away to adjust the payment history once it has been reported to the credit reporting agency. I am sure that if you can report something you can also send a notice to have to have the information updated. I also sent in a complaint and haven't do not see where they have notified the credit reporting agency of the account being in dispute due to a billing error. This reporting has caused my credit worthiness and general reputation to be in question and is not fair and unequitable. Please update my payment to reflect a good payment standing the account has been paid as agreed and should not reflect anything negativity on my credit.

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