vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 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: OH

Complaint narrative:
My rights as a consumer are being violated since the information in this credit report is not accurate. 
The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. If these standards are not followed, it jeopardizes the integrity of the data. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Via my previous employer, XXXX ( owned by XXXX XXXX XXXX ), benefits program, I was able to open an XXXX account and XXXX  account - both managed by Webster Bank under their " XXXX '' brand. Both accounts are solely funded by my deposits. There are no matching funds from XXXX placed into either account. Neither account has a " use it or lose it '' policy within a calendar year. That is, no unused funds expire and all unused funds roll-over into the next calendar year. 

I am no longer with XXXX but am still able to use my XXXX debit card until all of the funds are depleted. Since I'm no longer commuting to an office, I called XXXX XXXX asking to cash-out the {$880.00} in my XXXX  account. Instead of informing me how to withdraw the funds- and possibly issue a 1099 statement- they told me that I can't access the funds because I am no longer with XXXX. 

If the account was funded by XXXX or if it was a " use it or lose it '' account, I could accept Webster Bank 's response- but neither is the case. I believe it is illegal for Webster to take my funds and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.

Complaint narrative:
I had an account with XXXX and ported the number to a different carrier. At the time the account balance was XXXX. I have tried to solve the issue at hand with Convergent and 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 2023-09-01 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: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: OH

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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 have attached an FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2023, I received two checks from XXXX XXXX in the amount of {$5000.00} and {$500.00} which I deposited into my checking account. The rent was to cover 2 months. On XX/XX/2023 the bank send me a " Notice of Delayed Funds Availability '' for {$5500.00}. The reason was they stated that they believe the funds would not be received by me, as the check information was inconsistent. On XXXX XXXX XXXX I received another notice that the information was inconsistent, and they would hold the funds 90 BUSINESS DAYS until XXXX XXXX XXXX  I reached out to several branches in person and over the phone, and was told they could not speak to me. In the meantime, I reached out to potential XXXX  and provided them copy of the letters. They discussed with their bank, and their bank Said Citizens did cash the checks and were in possession of the funds. Yesterday, XX/XX/XXXX, the XXXX came to the house. We were forced to cancel the XXXX as I was not in possession of the funds. This will result in me loosing {$2500.00} in XXXX income. At that time, we reached out to their Bank, XXXX XXXX, and was advised by their branch manager, that to date ( 40 DAYS ) that the Branch nor back office of bank has ever had any communications via phone or in writing from Citizens trying to verify the authenticity of the check. My complaint is, is it legal for a bank to hijack funds and sit on it for 90 Business Days? Aren't they under some type of obligation or regulation to resolve the issue right away? Why did they cash the check if they questioned it? Why haven't they reached out to XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer. 

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, 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 2023-09-01 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: FL

Complaint narrative:
The following accounts and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of a consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Accounts : XXXX XXXX, XXXX XXXX XXXX, {$600.00} XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$590.00} XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and to my surprise, I did not receive a response. When I pulled my report again, I noticed that there were no changes made. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. 

There were no notations added to my profile and the accounts state " not disputed ''. I demand that each dispute is re-opened, reinvestigated and deleted due to inaccuracies. I want complete copies of every action taken to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. 
This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really 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 monetary relief
Consumer complaint received 2023-09-01 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Companys reported to my credit without permission thats fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the XXXX data breach. Please perform the necessary updates to my credit 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 2023-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX and I am here looking for help to dispute and remove 2 fraudulent accounts from my credit report. I'm not sure when these accounts were opened but I would love for them to be removed because they are ruining my life at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: GA

Complaint narrative:
Please delete the following items off my experian credit report. 

XXXX XXXX  XXXX XXXX : I have no knowledge of this account. Delete XXXX XXXX XXXX XXXX XXXX : Never made a late payment XXXX XXXX XXXX XXXX XXXX : Never made a late payment XXXX XXXX XXXX : Never made a late payment, inaccurate delete XXXX XXXX : I have no knowledge of this account XXXX XXXX XXXX XXXX : I have no knowledge of this account

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 2023-09-01 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:
COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF XXXX XXXXXXXX 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