vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NY

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

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 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MN

Complaint narrative:
We didn't aes inform me consolidate my loan through a direct loans so I would be eligible for payment pause and loan forgiveness. The company willfully withheld information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In late XX/XX/XXXX, I was working at the XXXX XXXX XXXX XXXX XXXX in XXXX, Al ( XXXX ) and I owned a XXXX ( XXXX ) XXXX, and for some reason, my Insurance Policy was CANCELLED, in XXXX. As of today, XX/XX/XXXX, my Bank, the XXXX XXXX XXXX XXXX, has been allowing XXXX XXXX XXXX XXXX, to withdraw funds out of my Checking Account. Even though, XXXX has corrected this problem, this has been going on for THREE ( 3 ) YEARS NOW!!! This is causing my Credit Score to bottom out, creating other Financial Problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to Experian today asking why they keeping XXXX XXXX Bank account {$940.00} on my consumer report? They received my ftc report. According to the Law 15usc 1681c -2 a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as a information that result from an alleged identity theft, not later than 4 business days after of receipt by such agency. Experian received the certified mail on XX/XX/22 at XXXX. As of today is the 5 day. She stated they have to keep it 30days. Thats not what the law stated. This is a violation. 
15usc1681I for a negligent wanton investigation 15usc1681e ( b ) for failure to keep and follow reasonable procedures to assure maximum possible accuracy.

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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
{$950.00} was withdrawn from a checking account by an XXXX XXXXXXXX. I do not know this person at all. This money was taken by fraud. The bank said I authorized this transfer, but I didn't. The bank sent my husband an alert after the fact. this is Santander Bank. The bank told me they have nothing to do with it. My husband and I have spent many hours with the bank trying to resolve this.

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 2022-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
From the date of XX/XX/2022 until present I've been a constant victim of identity theft and fraudulent bank account openings please help me

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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a Wells Fargo checking account on XX/XX/2022, and today is XX/XX/2022. I just found out that this newly opened account has been closed WITHOUT any prior notification! 

Should the bank at least send a letter or an email before they close any account? Is this a violation of consumer rights? I believe there is a violation of law here. The account was closed for Loss Prevention, but it has unspecified details. Please note, I have called the phone number they provided, but they have no details to give me. I do have a right to know more specific details about the information they gathered about me in order to take action and prevention on my side. 

Im also writing this to prevent Wells Fargo Bank reporting me to XXXX since I have done nothing wrong, if they report me to XXXX, they will have a lawsuit.

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 2022-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
A fraudulent charge, of {$83.00}, was made on XX/XX/2022, from my checking account by the merchant name " XXXX XXXX XXXX XXXX XXXX, XXXX. '' It also charged an international transaction fee of {$0.00}, as my bank account is Allybank in the U.S. 
As I have never had any kind of relationship with the merchant, it is apparently a fraudulent charge by the merchant or transaction made by a scammer using my account information. 
Ally bank initially credited provisional money {$83.00} for the fraudulent transaction. However, Allybank ruled in favor of the scammer on XX/XX/2022 and took the provisional money back from my account. 

I called multiple times to request the evidence they used to make the decision, however, they continuously told us to wait until they called back, and failed to present the evidence they used to make a final decision. 

Ally bank made an unjust and irrational decision, and owes me {$83.00}, and it has caused my account balance to drop to below {$0.00}.

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 explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX has Incorrect personal Information is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names Transunion XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flexible Finance, Inc.
State: AL

Complaint narrative:
Flex is a company that pays people rent in halves. I was charged XXXX by the company without my authorization and my rent was not even paid by Flex. Already struggling with my bills, Flex set me back even further. I immediately disputed the charge with my bank and after about a week the dispute was approved and I was refunded. Now, Flex is claiming I owe another {$400.00} and if it is not paid promptly it will be sent to collections and reported on my credit. 

I never authorized Flex to attempt to pay my rent, take money from me, or anything of the sort. I have emailed Flex numerous times trying to get this resolved to no avail and they do not have a phone number. I have been scammed and money has been stolen from me and now Flex is trying to take more and threatening to make my credit look bad and I feel as though I am a victim of minor identity theft as I never authorized this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 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: IL

Complaint narrative:
Experian is reporting a fraudulent account on my credit report XXXX XXXX XXXX they keep ignoring me and will not remove it they are violating my rights please help. 
attached is a copy of the fraudulent account. it needs to be deleted asap

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 2022-08-29 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: NY

Complaint narrative:
I've ask Experian to dispute an account by name of XXXX XXXX. The account is been open past 7 years and also paid. They refused to follow the status of limitations.

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE REQUEST FOR XXXX RE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX It is my belief that the information on the consumer report is reporting inaccurately or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation. 
Please verify this information is reporting accurately or completely. I am disputing the Date of last payment and open date XX/XX/XXXX. 
Once verified please send a copy of my credit file. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is about four fraudulent activities which have occurred the day after my application for an Amazon/Chase Credit Card XXXX 

On XX/XX/2022, I applied for an Amazon Credit card and I lift the freeze on my credit report on XXXX on XX/XX/2022. 
On XX/XX/XXXX, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. 
The day after, there was 4 fraudulent paiements on our checking account ( in an other bank ) for a total of {$14000.00} I called Chase Fraud Department at XXXX. I spent more than an hour with Chase employees calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 
Obviously, the fraudulent activities were made possible because my credit report was thawed and according to XXXX and my other credit monitoring services only JPMorganChase opened my credit report. 

Following are all the details, day by day. 

XXXX, I applied for an Amazon Credit card XXXX, I received the letter from Chase with the phone number to call after lifting my XXXX XXXX XXXX, XX/XX/2022 : I lift the freeze on XXXX. 

-Monday XX/XX/2022, about XXXXXXXX XXXX Pacific Time, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. ( Unfortunately, I shredded the letter from Chase since my application was accepted ) -Monday XX/XX/2022, in the afternoon, I freeze the credit report on XXXX XXXX XX/XX/2022 : there are 4 fraudulent paiements on our checking account : XXXX XXXX remittance XXXX XXXX : {$5900.00} -Discover E Payment XXXX XXXX : {$1900.00} XXXXDiscover E Payment XXXX XXXX : {$1100.00} XXXX XXXX : {$4800.00} The total of the four ( 4 ) fraudulent transactions is {$14000.00} XXXX : I called Chase Fraud Department at XXXX. I spent more than an hour calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 

XX/XX/2022 : I cancelled my credit card on the phone, at XXXX XXXX XXXX. 

I believe it should be easy for Chase Bank to find out who is responsable for these four ( 4 ) fraudulent transactions for a total of {$14000.00} My bank refunded the money since it was fraudulent but I am making this complaint because I want these people to stop doing this. 
I sent 3 letters to Chase : JPMorgan Chase Bank Corporate Headquarters : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Chase Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX Chase Bank card member service XXXX XXXX XXXXXXXX XXXX XXXX Il XXXX I sent 3 emails : XXXX XXXX XXXX I called Amazon customer service : XXXX XXXX XXXX I am at your disposal should you require any clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account has been on my credit for over 10 years now. I have asked the to update the amount because it has been paid down. They keep saying this information is valid and current when it not. Plus this date is pass the status of limitations for reporting.

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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dont recognize these hard inquiries or ever did them myself.

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 2022-08-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been disputing these inaccurate accounts off my credit for the past 3 months. I need them gone so i can close on my house.

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 2022-08-29 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: AZ

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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