vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have a security freeze on my equinox report ( that I never placed on there ) & once I called to have it removed the company running my credit was still unable to acces my profile. After calling in again to remove the freeze completely the company still had NO LUCK accessing my profile. Today I call & cant get verified with the EXACT same documentation that I used in the previous phone calls but now Ive failed the verification process. I was under the assumption that once Ive asked them to remove the freeze that it was supposed to be done within a hour. Plsss reach out to them because this is a big hindrance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: PA

Complaint narrative:
My Lexis Nexis report indicates that XXXX XXXXXXXX XXXX  ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my Lexis Nexis file was frozen. 


XXXX XXXXXXXX XXXX didn't have my permission to request a report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have had incorrect information reporting negatively on my account for years now. I eventually gave up trying to remove it because Experian had no interest in helping me and it was supposed to be falling off my report soon anyway. However, it keeps getting updated and the date of removal pushed back. I have no knowledge of this account nor did I ever give consent for my info to be used with this company. Experian needs to provide proof of these things, by law, to continue reporting the account in the first place. 

Now, I have disputed this with them multiple times to no avail, with them stating that they refuse to process the dispute unless I provide new information. This account has been keeping my score low with only Experian for a long time now, despite my excellent credit management. I'm tired of it and they need to be held accountable. 

Lastly, I would like to state that from the research I've done on the company reporting this erroneous info, it is a timeshare company, and they shouldn't be reporting info on ANYBODY 's credit report, as it's common knowledge that they are scammers.

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Last year I was notified that I had a debt from best buy/city bank regarding a debt that I hadn't paid. However, I had never made an account under the city bank or best buy. Then When I tried contacting them for an invoice or proof of purchase, they were unable to provide that information.

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 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. 

The letters are stated with items and issues. 

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 2023-06-26 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: EQUIFAX, INC.
State: NV

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. 

The letters are stated with items and issues. 

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 2023-06-26 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: GA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had XXXX late payments. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on XXXX credit bureau report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I am not liable for this debt with Capital One Auto Finance. I do not have a contract with Capital One Auto Finance they did not provide me the original as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, 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.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delaware XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Greetings, While reviewing my credit report I noticed an unauthorized inquiry that I do not recognize. I did not authorize any of these 3rd parties in reviewing my credit report on this specified date. There is also no corresponding open accounts on my credit report. According to the FCRA, anything posted on my credit report must be AUTHORIZED, ACCURATE, and VERIFIABLE. I have listed this unauthorized inquiry below : XXXXXXXX XXXX XXXX  XX/XX/XXXX I am confident that your agency will do your due-diligence in correcting this erroneous error in hopes of not damaging my reputation as a consumer and resulting in escalation. 



With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I can't access the new Wells Fargo account I open

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 2023-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
There at XXXX, XXXX dollar charges having been withdrawn from my account. From XXXX separate chase banks. 
I informed the police, and they did their investigations. They found that someone other than me, and my mom ( both on account ) withdrew money off a " device '' not from a card. 
When I gave chase bank the information they said it was fraud on XXXX separate occasions. 
So I submitted a " formal complaint '' and that was also declined. The fraud department says there weren't any " new devices '' added to have even withdrawn the money. 
Yet refuse to explain how that person could have done it without a " new device '' nor has my mom XXXX XXXX ever used a phone or smart watch to have any access to her savings account. 
Police report number XXXX Fraud number through bank XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I paid my car loan off with CapitalOne Auto on XX/XX/2023, by transferring the loan balance directly from my local bank account to the lender. I need the XXXX released at this time. They acknowledge receipt of the funds from my account, but I am told by their representatives that they can not send the release for XXXX business days following payment, which is simply an electronic transaction, as " that is the process. '' I asked to have the release process expedited, as I am leaving for an extended vacation, I have given the subject vehicle to my daughter, and we need the title before I can leave in order to transfer ownership to her. Their response to my request to expedite the process was a flat denial, saying they have to follow their " process. '' They offered to have me speak to the " XXXX '' but then came back on the call and said that person would be out for the next 3 days, so their response was, in reality, no response at all. It was a customer service nightmare and the representatives, who were clearly not in this XXXX, while polite, were absolutely no help whatsoever. I informed them I would never again do business with Capital One, for any reason, and would advise everyone I know to avoid doing business with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.

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 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Airtm Inc.

Complaint narrative:
I have been experiencing an ongoing issue with Airtm, a financial service provider specializing in money transfers and virtual currency. Despite my attempts to resolve this issue through their customer support, my communications have been disregarded. Specifically, my messages were moved to a new ticket and previous unanswered communications were deleted. I have documented the conversations anyway. 

Furthermore, under the pretext of 'Know Your Customer ' ( KYC ) verification, my account was unexpectedly locked, hindering my access to my funds. Not only has this been inconvenient, but it also raises serious concerns about the security and reliability of Airtm 's services. 

In addition to my personal experiences, I have found numerous similar complaints on XXXX, indicating that other Airtm customers are also experiencing issues. The primary concern is Airtm 's tendency to hold customers ' funds for extended periods without providing clear reasons or adequate customer service. 

This pattern suggests potential fraudulent practices on Airtm 's part and a failure to uphold standards of professionalism and customer service. Despite giving Airtm ample opportunities to address my concerns, the issue remains unresolved. Given the gravity of the situation and potential legal implications, I am seeking an immediate resolution and assurance that such unprofessional conduct will not be repeated. 

Should the issue not be resolved to satisfaction, I am prepared to take further legal action if necessary. As a legal professional, I am fully aware of my rights and am prepared to defend them to ensure that my case, as well as those of others who may be in a similar situation, are appropriately addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank 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 2023-06-26 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: VA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on 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 explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: NV

Complaint narrative:
I got notifications on XX/XX/23 that my cash app account was closed for my business. I made a number of calls and chat asking to explain how and why and can I voice my concerns and report a complaint many agents hung up in my face and stated they dont have any information for me but I broke a rule they cant even explain to me and wont allow my account to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I experienced fraud and a security breach at Chase Bank. Fraudsters has breached Chases customer service phone number and managed to access my online banking credentials. They tried to wire transfer $ XXXX ( my entire bank balance multiple times ) over the course of two months. 

B/c I've been banking with them for XXXX years, I tried to work with them in changing my debit card info, also closing my older checking account, but Chase has been unable to stop the repeated attempts. I was told Friday XX/XX/XXXX, that their customer service system was breached. It took two months for them to disclose this information to me. 

I finally closed my checking account, changed my cell phone number ( got a number cell number form a different carrie ) and I am now getting Chase customer fraud care calls on my number cell number and text on this new number. I did not give this number out to anyone, my husband doesn't even know this new number. However, this morning I received a call from " Chase customer service '' and a Chase mobile number asking me whether I authorized a charge and asking for verification. I gave Chase the local bank branch my new cell number. 

This has been a two plus month ordeal and Chase is not telling the public or anyone about the breach. This seems really irresponsible and not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.

Company response to consumer: Closed with explanation