vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express issued a XXXX XXXX to XXXX, XXXX - a company I helped manage, though I was not the primary owner ( 12.5 % while the majority owner, XXXX XXXX had 83 % ). In late XXXX, the company was placed into Receivership and on XX/XX/2024, XXXX XXXX XXXX the Receivership Trustee with the help of Company Attorney XXXX XXXX XXXX sent a settlement letter to AMEX regarding XXXXXXXX XXXX  account. 

AMEX cashed the Receiver 's settlement check, tacitly accepting the settlement offer, but then didn't close the account. Nor, if AMEX didn't want to accept the settlement did it contact XXXX XXXX, XXXX XXXX or myself. 

As a result of the XXXX XXXX XXXX account not having been closed out as paid, AMEX treated it as past due and then shut off my personal AMEX platinum card. When I called in to inquire, AMEX said I am the guarantor and responsible for the account. I asked for documentation of this - because I don't recall ever agreeing to being a guarantor. To date despite numerous calls and requests, I have not seen any documentation that I am a personal guarantor. 

Since late XXXX I have had numerous calls with AMEX, frequently being passed between departments and getting differing answers. On XX/XX/XXXX, a very helpful member of the XXXX XXXX asked me to fax XXXX XXXX ' letter and proof of the cashed check to the XXXX XXXX XXXX which I did along with contact information for XXXX XXXX and XXXX XXXX so AMEX could be in touch to communicate on the resolution or any further issues. After two weeks of no one hearing from AMEX, I called again today. 

I was told by the Credit Department that they can not contact XXXX XXXX or XXXX. They don't recognize the matter settled because they don't take settlements. Despite my pointing out that they did accept the settlement, they said it's against their policy and they have no one in any department who can speak with me further about the issue - or who will speak to XXXX XXXX or XXXX XXXX. I pointed out that this leaves XXXX XXXX and XXXX XXXX only the pathway of legal action to resolve the issue- which seems silly and wasteful and that there must be someone in AMEX who can discuss the issue with XXXX XXXX and XXXX XXXX who are better versed in the law and the requirements that go with accepting money from a Receivership account than I am. But since I can't find any contact, I'm registering a complain here in hopes of finding someone empowered to communicate and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-13 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:
I have tried to resolve my charged off/closed accounts by requesting a 1099-c for each account. The credit reporting agencies and creditors are in clear violation of sec 15 usc 1681eb of the FCRA. 

XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX, XXXX, XXXX XXXX  acct # XXXX XXXX  is in violation by reporting a balance on each 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 2024-05-13 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 saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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.
State: FL

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Received the uploaded letter requesting private personal information I hope from Citi Bank 's card service with a short timeframe threatening suspension of account. Phone number on back of credit card was answered with third part recorded ads. Manager of unit ultimately reaching by looking up the number from a statement and being transferred twice requested different personal information than what was originally requested. She could not put an accurate request on stationary or provide a deadline to allow a properly formatted request after XX/XX/year>. 

Citi should be much more professional in their requests.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Lexis nexis was not authorized to place a bankruptcy on my report. The bankruptcy court does not report to the credit bureaus. Lexis nexis is in violation under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: Central Portfolio Control Inc.
State: NY

Complaint narrative:
i was out the country for family emergency and had no use for my credit, now i go to apply for a job and found multiple accounts on my credit i did not sign for... I called the companies asking how they got my info they said from, i asked for proof and they still have not mailed or email... anything with my signature or social. This has kept out of work and unable to support my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).

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 2024-05-14 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: PA

Complaint narrative:
Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. 
Account name : XXXX XXXXXXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX  XXXX Account Date : XX/XX/XXXX Account name : XXXX Account Date : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. 

This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. 

The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. 

Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. 

In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. 

I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. 

Thank you for your immediate attention to this urgent matter.

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 2024-05-13 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: GA

Complaint narrative:
I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. 
Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX  XXXX Account Date : XX/XX/XXXX Account name : XXXX Account Date : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. 

This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. 

The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. 

Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. 

In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. 

I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo claims hey are in compliance with XXXX, for which I am very familiar with XXXX XXXX XXXX XXXX XXXX ( XXXX ) rules and regulations, where I am in touch with XXXX myself. Wells Fargo also knows that I am a customer of theirs for over 45 years and know very well that we are XXXX XXXX  and DO NOT RESIDE in XXXX, but they had us sign an " XXXX XXXX '' that is required of " individuals who are ordinarily residents in XXXX or part of the Government of XXXX ''. 

Both my wife and son are XXXX born citizens and none of us are ordinarily residents of XXXX. We live in the United States and are not residents of XXXX, so the fact that they had us sign this form was discriminatory in nature and careless of their system for relying on their poorly programmed computer system that raised a flag when I had to open a new account, because Wells Fargo 's Fraud Unit, closed my checking account due to my checking and routing number been given to Austrian Airline to refund money for the flight they canceled on us. This blocking of our account had nothing to do with forcing us to sign their XXXX XXXX to re-open our account. 

They were not following XXXX 's protocols and did not check facts that we have already filed our XXXX Passports with their branch in XXXX. They refer to having to abide by various sanctions laws, without due diligence of checking our records of being XXXX XXXX and being residents of XXXX and not XXXX. 

Wells Fargo discriminatorily blocked our accounts while we had to quickly find alternative ways to pay for our mortgage and other statements.

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 2024-05-13 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: NE

Complaint narrative:
XXXX XXXX opened a collection with XXXX XXXX XXXX for an account I've never had or received statements on. I've requested verification of debt and disputed with TransUnion but within 24 hours it states meets FCRA requirements, but no debt validation has been provided.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have requested on numerous occasions to have item removed from all credit bureaus, as this item is over seven years old.

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 2024-05-14 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2024-05-14 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a {$100.00} AMEX gift card. Tried using it at several shops and online stores, adding it to my XXXX XXXX, adding to XXXX, etc., none of it worked. Called multiple customer services phones, no solutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 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: MN

Complaint narrative:
XX/XX/24 On or around XX/XX/24 I spoke with Experian customer service, and kindly requested them to update my credit file with the correct address. I shared that disputed info must be updated or deleted.The agent refused my request. I reminded them that my credit file needs to be reported 100 % accurate per FCRA guidelines. The agent still refused to update incorrect address.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally complain about ongoing issues with inaccurate banking information appearing on my consumer report provided by Early Warning Services ( EWS ). I have been a victim of identity theft which has severely impacted my financial integrity and capability. 

The report inaccurately lists multiple banking accounts and transactions that were not initiated by me. These errors have made it impossible for me to open new bank accounts with any institution, as EWS reports are critically considered in the banking sector. My efforts to dispute these inaccuracies directly with EWS have been persistently unproductive and exceedingly slow. 

Moreover, due to the shared services between EWS and Zelle, I am also unable to use Zelle for transactions, further restricting my financial options. It appears that EWS has a monopolistic impact on my ability to conduct ordinary financial operations, which is unfair and unjust. 

I have already initiated legal counsel to address these issues ; however, immediate intervention by your agency is crucial to prevent further damage to my financial life and reputation. I urgently request the CFPB to : 1. Investigate the inaccurate entries reported by EWS.

2. Facilitate the swift removal of all erroneous information from my report.

3. Examine the monopolistic practices affecting my ability to use banking services, as these practices are not only detrimental to me but potentially to other consumers as well. 

Enclosed are copies of my correspondence with EWS, documentation supporting my identity theft claim, and other relevant personal information. I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving these issues that are critical to my financial future.

Company response to consumer: Closed with explanation