vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX  XXXX Balance Owed : {$680.00}

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 non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022, XXXX, and XX/XX/2022 my credit report was accessed and utilized for promotional purposes without my written consent authorization or permissible purpose by Capital One AUTO Located at XXXX XXXX XXXX XXXX, TX XXXX. Phone Number XXXX. I Have sent communication to the Company which will be attached down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express attempted to withdraw {$40.00} on XX/XX/XXXX from my XXXX XXXX checking account. For some still unknown reason on XXXX XXXX side this transaction did not go through. 

On XX/XX/XXXX, a {$29.00} charge was assessed. 

On XX/XX/XXXX, I have paid the credit card in full ( a total of {$310.00} ) from a Different ( non-XXXX XXXXXXXX ) banking account. 

Since XX/XX/XXXX, the issue has billed me multiple " Return Payment fees '', charged Interest on those fees, attempted to withdraw money from XXXX XXXX, which initiates a failed withdrawal and triggers a " Return Payment fee ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/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 2022-11-03 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: FL

Complaint narrative:
In according with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) Section States : no consumer reporting agency may make any consumer reporting any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2022 navy federal credit union transfer XXXX to a credit card that my husband was past due and we had the money save up of XXXX in our savings account and when we went to go try to pay it online it was not there no more this was on Saturday ( XX/XX/2022 ) the guy we were talking too told us that department was close was will be open on Wednesday to call then. So when we went to check the bank accounts everything was gone. They dont call us to let us know our money was taking away. Then like couple hrs late we get a call. We call the bank to tell them what was going on why we had no money and no one couldnt help us into one lady was disrespectful telling us thats XXXX you lost your money and you cant get it back before hinging up the phone on us they can keep the XXXX. But we want our XXXX back we need someone help bc this its XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CITIBANK, N.A.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my third attempt to exercise my rights and complain to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting.

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint.

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.

I am more saddened at the fact that my account is open and in good standing and I still can not have the decency of a simple removal that will benefit my family and not hurt this organization what so ever. It shows that the best interest of their customers do not matter. I am also very disappointed in the way the CFPB is allowing this process to continue with little investigation.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX checked my Experian credit profile and realized they had 3 different names and incorrect address. That I viewed Experians website. I called into Experian to have inaccurate information removed. I couple hours later I received a email stating that the information was updated and not removed. This is a clear violation of the fair credit report act. By Experian reporting incorrect information unaccarute information. Which is causing lenders to deny me of lines of credit and personal loans. Attached to this complaint is a screen shot of the innacurate information that I pulled from experian website. And needs to be immediately removed. Also attached is my documents of my identification

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/XXXX I went into my Bank Bank of America located XXXX XXXX XXXX XXXX, NY XXXX to initiate a wire funds transfer to a friend in XXXX. The process was handled by a bank employee the obtained my personal credentials to verify who I was and completed the paperwork I had to sign those papers to affirm it had requested the funds wired. The only way I have ever done a wire has been in person at the bank. on XX/XX/2022, when I was on my mobile app I noticed the funds in my account were lower than they should have been, and with further research, I noticed 2 other wires were done from my business checking account on the same day I went to the branch to do the wire in person. when I realized the problem I call my bank and open a fraud report and was told that it need to XXXX investigated by their fraud unit and was given a claim # and was told it would take 45 days to complete the investigation. Later went into the branch to let them know what happened to my account and was told by the manager that there was little she could do the Fraud unit would be in charge.I had to go into the branch because the fraud unit suggested I close the compromised account and reopen a new account and with the remaining fund being frozen the branch would help transit the remaining funds to a new account that I had to open. At that time the bank manager also suggested me to file a police report. a week after reporting to the fraud unit I continued to call and follow up on my claim and I asked for paperwork to be kept apprised of their status in that time I went to the local police station to file a theft report and was told that I needed an affidavit from the bank on my loss. I requested numerous times from the fraud unit for the affidavit to be emailed and was told on 3 separate occasions I would be receiving it shortly along with a status report from the person doing the investigation. It's important to note I can only speak to the fraud unit about my situation and the Bank Branch offers no remedy or advocacy on my behalf not to mention any time you call your hold for 45 mins to upward to 2 hours and 10 mins if you can believe that. I have asked for some consideration to partial reimbursement of my monies to allow me to conduct my business which they have declined to do so. Making matter worse this Friday I spoke to someone who see all of my notes in the file and informed me that 1 ) the time period would be 90 days, not XXXX 2 ) no written report can be sent out until the investigation is completed 3 ) and no affidavit can be given until the investigators complete his findings. I feel as if the entire time of their investigation I have been lied to and given false answers

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 monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXXRecently checked my Experian credit profile and realized they had 3 different names and incorrect address. That I viewed Experians website. I called into Experian to have inaccurate information removed. I couple hours later I received a email stating that the information was updated and not removed. This is a clear violation of the fair credit report act. By Experian reporting incorrect information unaccarute information. Which is causing lenders to deny me of lines of credit and personal loans. Attached to this complaint is a screen shot of the innacurate information that I pulled from experian website. And needs to be immediately removed. Also attached is my documents of my identification

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I submitted a claim that the inquiries from XXXX XXXX  were fraudulently reporting on my credit report. Equifax responded I should contact them but there is no contact info or person / phone numbers. Equifax is negligent and doesnt do fair or thorough investigations. The inquiries better be removed immediately or I will be contacting lawyers for monetary damages.

Company response to consumer: Closed with explanation