vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: AR

Complaint narrative:
I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all 3 credit bureaus ( Experian XXXX and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW! 

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall.. 
( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX an unknown transaction of XXXX was charged to my Citibank NA Costco card for a charge in the Costco Facility. On XX/XX/XXXX is when I noticed the charged and filed a fraud claim. XX/XX/XXXX the denied my claim, reasons because I still had the card in my possession, an authorized charge of XXXX was conducted moments prior in the same facility. I never purchased or utilized or authorized my card for a transaction of XXXX, never received confirmation or receipt, product or service. My usual charges in the card never exceeds $ XXXX ( 5 plus years ), lady on the phone rudely mentioned to escalate as necessary.

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 2024-03-20 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: Experian Information Solutions Inc.

Complaint narrative:
I was looking to my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-20 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: LA

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 2024-03-20 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

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
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2024-03-20 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: LA

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 explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am formally disputing and requesting the update of incorrect data from my credit report concerning late payments. It's crucial that these accounts are corrected to reflect the payments accurately and any erroneous information is rectified promptly.

The late payments in question pertain to the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

In instances where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.

Moreover, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.

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 2024-03-20 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: NY

Complaint narrative:
I am formally disputing and requesting the update of incorrect data from my credit report concerning late payments. It's crucial that these accounts are corrected to reflect the payments accurately and any erroneous information is rectified promptly.

The late payments in question pertain to the following accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX 

In instances where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.

Moreover, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NJ

Complaint narrative:
I opened an account on XXXXwith Revolut, operating as XXXX XXXX XXXX for US customers .

The terms were that I would have up to {$800.00} USD of free withdrawals and pay XXXX on anything over that. Then on XX/XX/2024 to my surprise when I tried to withdrawal cash while on vacation I was told that deposit accounts have a weekly limit of {$1700.00} USD cash withdrawals. I have been going in circles since then with them and they refuse to increase XXXX it's stating it is online with US policies? To me this seems illegal to not allow someone access to their own cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-03-20 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 explanation
Consumer complaint received 2024-03-20 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: CT

Complaint narrative:
XXXX and XXXX XXXX XXXX account open on XX/XX/XXXX and XX/XX/XXXX I have no knowledge of these account they were deleted of my credit report at XXXX point I been a victim of many glitches were my identity has been stolen through XXXX XXXX XXXX, the post office as well as Experian and I also. Have a fraud alert which I am never notify of and inquiry made on my accounts I have try requesting validation of these account and have not received any they just update the account with out removal I want the accounts removed I also have a hard inquiry that I did through Experian and it was said I will not affect my credit and it did from XXXX XXXX on 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 2024-03-20 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: CA

Complaint narrative:
The imposters are claiming that they have my social security number and that they are collecting a debt. They call me a few times a day from different phone numbers.

I don't have any debts! As a matter of fact, my identity was stolen a few months ago, and I filed a report with all the credit card bureaus and also with all the credit card issuing banks about the fraudulent inquiries in an attempt to open credit card accounts using my stolen information. Perhaps if these offenders received harsh punishments, such as life imprisonment, there would be fewer crimes. Sadly, crooks have more rights than law-abiding citizens in this country.

Here is a list of the phone numbers they are calling from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I refuse to provide these crooks with any of my information. They already have my phone number and can look at my account with that.

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 2024-03-20 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: CA

Complaint narrative:
I've diligently followed the correct procedures in disputing this account. I've reached out to the bank regarding this issue, and they assured me it was resolved. Additionally, I've contacted law enforcement and submitted a report and affidavit, which they confirmed as valid for identity theft. Furthermore, I've contacted the credit reporting agencies, and both XXXX and XXXX have already removed the account as required by law. However, Experian seems to believe I haven't followed all the necessary steps. 

Specifically referencing the account with the identifier " XXXX XXXX XXXX, '' I request its deletion as both XXXX and XXXX have already removed it due to a recognized error. I'm perplexed as to why Experian still has it on record despite the removal by the other bureaus. Please rectify this discrepancy and delete it from my file, as it is inaccurate, erroneous, incomplete, or unverifiable.

Understanding the leniency towards banks and credit reporting agencies in legal matters, I refrain from pursuing a lawsuit. However, after XXXX months of submitting my claim to Experian and facing repetitive dismissals, I feel frustrated. Despite multiple complaints, Experian continues to invalidate the documents I've submitted. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly examine this case, as it appears Experian is failing to fulfill its legal obligation in processing the identity theft report, which I've filed with a law enforcement agency, specifically Identitytheft.gov.

The emotional and physical distress caused by this identity theft and the resulting lack of access to my credit are overwhelming. It's impacting both my professional and personal life significantly. I implore for urgent attention to this matter as I'm feeling increasingly overwhelmed and helpless.

Please note that I am the sole individual submitting this complaint, without the involvement of any third party. I trust that you will handle this matter with the urgency and attention it deserves.

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 2024-03-20 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: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Amsher Collection reported to collection a paid debt. I requested them to delete the report from my credit bureau and they sent me a letter as a confirmation of the request to delete it. But I still see it on my records. I request to delete it. Please see attached letter from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
The address is as follows... 

CBSA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX www.cbsasolutions.com. 
Reference # XXXX My problems are numerous and are as follows. I was hospitalized XXXX  in XXXX months and the bills are CRAZY. I go to their website and everytime I go there it says their servers are down. I've finally gotten most of these bills payed off but admittedly have gotten behind. On top of that I was recently hit with credit card fraud and my account will be short XXXX XXXX on this coming XXXX. I can begin paying them little by little. 

Just tell them to resend the bill and I can pay it. 

SLOWLY. 

I still owe about XXXX XXXX  for medicine. 

Also, this is not a dispute. I actually owe the money but haven't been able to pay just yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, during the process of attempting to purchase a vehicle, the dealership conducted a routine credit check. To my surprise, they informed me of negative entries on my credit history. Given that I had no prior reason to suspect issues with my credit, this revelation prompted me to investigate further. 

Utilizing the XXXX XXXX application, I meticulously reviewed my credit history. It was during this review that I discovered several accounts had been opened under my name, using my address and Social Security number. Alarmingly, these accounts had already been closed but were showing outstanding balances. 

This unexpected discovery in XX/XX/XXXX marked my first awareness of potential identity theft and unauthorized financial activities conducted in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX : Open Date : XX/XX/XXXX - Amount {$5900.00} ( XXXX  ) Capital One : Open Date : XX/XX/XXXX - Amount {$3400.00} ( 3 ) Capital One : Open Date : XX/XX/XXXX - Amount {$3000.00}

Company response to consumer: Closed with explanation