vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened XXXX XXXX and Experian don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports

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 2024-06-06 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: Global Lending Services LLC
State: CA

Complaint narrative:
Global Lending Sevices LLC on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report XXXX on XXXX XXXX ran my credit report XXXXXXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report I have already did my FTC Report I also sent the FTC to the credit bureau, but they came back saying that this was correct, specifically stating that I would like for this companies to send the correct and proper documents showing that I applied with them ; they have not and have failed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
This is my last attempt to have this issue resolved, and I am increasingly concerned about the negative impact it is having on my financial standing and credibility. In regards of providing all necessary documentation and evidence to support the correction of this late open account, it remains inaccurately listed on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. Also, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. MoreoverI request compensation for the inconvenience, stress, and potential financial harm caused by the presence of this incorrect late open account on my credit report. It has adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial stability. The account should be corrected as soon as possible : XXXX XXXX XXXX Balance : {$290.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
This is my last attempt to have this issue resolved, and I am increasingly concerned about the negative impact it is having on my financial standing and credibility. In regards of providing all necessary documentation and evidence to support the correction of this late open account, it remains inaccurately listed on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. Also, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. MoreoverI request compensation for the inconvenience, stress, and potential financial harm caused by the presence of this incorrect late open account on my credit report. It has adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial stability. The account should be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
There is no account number linked to this negative posting by XXXX XXXX on my credit report. 

On XX/XX/year>, I noticed that XXXX XXXX was on my credit report with a balance of over {$8000.00}. I contacted them via certified mail asking who they are, who they are collecting for, and for proof of supposed debt. They received this on XX/XX/year>. 

I received no reply. On XX/XX/year>, I sent a cease-and-desist letter to XXXX via certified mail. They received this on XX/XX/year>. I sent copies of this letter to XXXX, Equifax, and XXXX XXXX. 

After a month, I noticed that XXXX was still on my credit report. I provided a second cease-and-desist letter to XXXX and all three reporting agencies via certified mail. They all received their respective letters in XXXX. 

As of today, XX/XX/year>, XXXX is still actively reported on my credit report by all three credit reporting agencies. 

XXXX XXXX is violating federal law by reporting a debt that was never validated or verified. Equifax, XXXX, and XXXX failed to adequately investigate and verify the supposed debt, even after I asked them to do this twice. 

This irresponsible reporting is hurting my credit score. Please have all three credit reporting agencies remove this account in accordance with federal laws. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CBC Companies, Inc.
State: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor XXXX XXXX XXXX XXXX FACTUAL DATAXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was unable to open and account with XXXX and Chase and I dont know what the reason was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was assured and guaranteed that the reporting history of both credit cards would be gone and match when the settlement proposed by Amex was paid in full and satisfied. 
The XXXX card history was deleted as agreed however the blue XXXX card still had the reporting showing on my account. Amex stated they sent the update containing no payment history its on the credit reporting company. The bureau stated the update must say no history reported or to history no longer applies. Ive stated this over two months and said it would be investigated and updated, they said they are going to update and still no update. They already required my credit out of the blue cancelled all my cards, claimed I never paid a settlement and harassed me for month about paying a settlement I already paid and continued to report incorrectly. I just want this finally done and gone its cost me my company a mortgage everything. Please can you help me get them to delete as they promised and agreed the payment history on the blue card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
Equifax is Stalling because instead of sending the information I requested within 15 days required by LAW ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) they sent me a request for my Photo I.D . and Social Security number that I submitted ( 7 ) times all ready via CFPB Portal each time and an additional 3 times Via USPS.

Please see the PROOF with the CFPB Portal serial numbers as each included a screenshot of my Pennsylvania State Photo I.D . and Social Security Card. 
I received a letter in the mail today from Equifax XXXX XX/XX/XXXX. The bottom of the letter has 2 sets of numbers XXXX and XXXX XXXX. 
After my dispute regarding FCRA 602 which states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS. I disputed XXXX XXXX  # XXXX that is reporting illegally because I did not give Equifax any written instructions any PERMISSION / CONSENT to ILLEGALLY PUBLISH this account on my credit report.

When my dispute was VERIFIED I then submitted my request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which I am required by LAW to receive from Equifax in 15 Days. Equifax took more than 15 days and sent me NOTHING!!!!

Instead Equifax keeps STALLING and sent another request for my Photo I.D . and Soc Sec.Card. Please review the Proof below with the dates that I sent my I.D . already over and over again. 
XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX This is 7 times that I have sent a copy of my Photo I.D . and XXXX. A cursory check on CFPB Portal will proof I have sent my I.D . Info 7 times already. I am sending again in this CFPB Portal today. I want the information I am requesting, the name of the person ( s ) who is responsible for the investigation along with their telephone number and address along with ALL the records revealing the procedures used that led to verify the XXXX XXXX  account that Equifax Published in violation of FCRA 602 and FCRA 604 ( a ) ( 2 ) which states that a credit reporting agency can not furnish an acvount without my written instructions. Delete XXXX XXXX account from my credit report immediately. 
I will seek legal representation if coerced to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, l 'm entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: KY

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
In XX/XX/year>, my Chase credit card offered a no interest period on balance transfers. On XX/XX/year>, I mailed XXXX of their balance transfer checks to XXXX XXXX to payoff a {$630.00} balance. On XX/XX/XXXX, Chase posted the cleared check and charged my credit card {$630.00}. Around the same time, I received a letter from XXXX XXXX XXXX saying they received my check for {$630.00}, but couldnt find an account in my name. Thats because I dont have any accounts with XXXX XXXX I can only assume our terrible U.S. postal service misdirected the letter addressed and mailed to XXXX XXXX. The letter from XXXX included a copy of the front and back of the Chase balance transfer check, clearly showing the payee as XXXX XXXX. XXXX has refused to help and directed me to Chase. I called Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told, at first ( twice ) they would investigate and send me a letter in 7-10 days, which they never did. In XXXX, I was told a stop payment was attempted unsuccessfully in XXXX, which is not surprising since the check had cleared with Chase on XX/XX/XXXX. In XXXX, Chase refused to help and transferred me to someone at XXXX, who said I needed to talk to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am writing to address a concerning issue regarding my credit history. For the past 11 years and 2 months, dating back to XX/XX/year>, I have been a customer of Credit Acceptance. However, I must express dissatisfaction with the services provided by the company. 

The high annual percentage rate ( APR ) imposed by Credit Acceptance has significantly impacted me financially, leading to a considerable loss on my part. Moreover, the vehicle financed through Credit Acceptance has proven to be of poor quality, requiring frequent repairs that have not effectively addressed the underlying issues. 

Given these circumstances, I kindly request either a refund of {$10000.00}, representing the amount owed to me by Credit Acceptance, or the removal of Credit Acceptance from my credit report. I believe that this course of action is necessary to rectify the unjust matters that have arisen from my association with Credit Acceptance. 

I appreciate your attention to this matter and look forward to a prompt resolution.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: VA

Complaint narrative:
XXXX XXXX Account XXXX Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratingFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: TX

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/year> notified by Bank of America that our credit card was locked They couldnt open the account sticking by only a phone number to verify who I am. 
Despite, that I have all the transactions and amount owed. Very robotic replies, Sending me around and around. Just could not help us. 
The card remains locked. We informed them we were in business for several months in XXXX where there is XXXX branch XXXX miles away, they kept telling we had to go there to show ID. What? And kept repeating and repeating themselves. 
We were directed to the mobile app that fraud supervisor stated would clear the card. 
All the app virtual assistant did is tell me to call the bank again. 
The only way to get the card operating is to fly to a bank location. That seems a bit too much and abusive. The XXXX people we spoke with seemed clueless and confused. Often they were difficult to understand as they mumbled.

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 2024-06-06 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief