vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: MI

Complaint narrative:
The Complainant alleges that despite submitting at least thirty-four ( 34 ) detailed notices of dispute, along with copious documentation evidencing inaccuracies, Equifax has consistently failed to correct the erroneous information and facially false information pertaining to the XXXX XXXX XXXX XXXX ( Card Account XXXX ). This ongoing failure to address the inaccuracies has caused significant harm to the Complainants creditworthiness, financial stability, housing stability, employment, and health. The attached document serves as the Complainant 's formal demand for the immediate deletion of the account/tradeline XXXX from any and all consumer files Equifax maintains and disseminates regarding the Complainant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: VA

Complaint narrative:
XXXX XXXX  reported a few late status on my credit report. I paid on time and the account is now closed.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Basically, I am locked out of my online credit card/checking account and customer service is unable/unwilling to help me regain access to my account... 

It all started a few days ago when I attempted to add a new bank account to my checking account ( all accounts are linked under the same ID ). When I added it, it asked me to enter my debit card number and pin to verify my account. I'm thinking 'fine, no problem. ' Well, I entered it and I get a message saying that 'this information does not match our records '. So I'm thinking 'Fine, I mistyped something ; stuff happens ' and tried it again. After 2 more tries, that's when I get an error message that my account has been locked out and to regain my access to my account I simply need to reset my password... 

And that leaves me to where I am now... 

Whenever I attempt to reset my password, I keep getting the error message that my account is locked and that none of the information I enter seems to match their records ... doesn't matter what card I use, what method I use to confirm my ID, nothing ; I keep getting the same error message...

I've contacted chat several times ( I included one of the screenshots ) and they keep telling me to keep doing the reset method, one of them told me to contact technical support. I did call tech support a few days ago and got disconnected...

I attempted to call tech support back and they never answered...

Yesterday I called customer service directly and after customer service repeated the same steps that chat told me about for resetting my password, they connected me to tech support, and guess what, I got disconnected again...

I called customer service back this morning and after waiting for 45 minutes, nobody ever answered my call.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I'm a disaster victim and I reached out to Navy federal and they representative informed me that Navy federal was assisting member who were affected. He went on to state that he would reduce my payments to {$200.00} on all cards and that would remain in affect for a period of 1 year. However, that is not what they did. They charged me extra fees, gave me a loan for only {$5000.00}, but now they have all the card payments due at the same time. Moreover, all of the information that was told to me are now a mistake on the representative part and they have increased everything. Placing me in a worse situation than before the disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
This company keeps calling saying I owe them money, I dont know them never did business with them, I opted out of them communicating with me and they still call, I block their number they call from another number. The callers are being threatening and aggressive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> a transaction of {$410.00} was made to a merchant by the name of XXXX XXXX. 
Also on XX/XX/year> a trasaction of {$140.00} was made to see tickets. 

Both of these transactions were unauthorized transactions as I had lost my card. Both of these transactions were disputed after I realized my card had gone missing. The money was given to my account by chase temporarily however chase is now stating that I made these transactions and are taking both {$410.00} and {$140.00} from my account again. I did not approve this transactions. However chase is not helping to understand this or guiding me to appeal this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: VA

Complaint narrative:
XXXX XXXX reported a few late status on my credit report. I paid on time and the account is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: VA

Complaint narrative:
XXXX XXXX reported a few late status on my credit report. I paid on time and the account is now closed.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME : XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME : XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX 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 explanation
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$2300.00} XXXXXXXX XXXX LOANS XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX CREDIT XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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:
Upon the review of my consumer report i notice inaccurate information. The presence of this informatio violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ). This section stipulates that a consumer report may only be furniished in accordance with the written instructions of the consumer to whom the report relates.

The inaccurate information is as follows : AccountXXXX XXXX XXXX  Account # XXXX I did not provide written authorization for the furnishing oof my consumerreport for the purposes that would justify the inclusion of the disputed information. Therefore, the presence of this infrmation on my consumer report is unauthorized and in direct violation of 15 USC 1681b ( a ) ( 2 ).

I request that you promptly investigate this matter as required by the FCRA and remove the inaccurate information from my consumer report.Please provide me with written confirmation once the investigation is complete, detailing the actions taken and the results of the investigation, along with an updated copy of my consumer report.

You have 30 days to delete this information from my consumer report Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime did a charge that was not mine I was actually in XXXX  when this happened I called when I got notification of pending charges they closed. Add and stated they would investigate. At first they reversed the charges then they did an adjustment then they denied claim then they approved it and they stated my funds had already had been given to me Ive attached where it shows that everyone they recharged there is no even amount there represent said that transaction show odd amount of XXXX transaction they clearly did not give my funds back but every time they Escalade nothing has been done. Ive been going back and fourth for XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXX BANK XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX CREDIT XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX BANK XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: VA

Complaint narrative:
XXXX not liable for this debt with XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX. They did not provide me with the original contract as requested.

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 2024-08-05 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: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX I was notified from my credit monitoring services of a frudlint inquirie on my XXXX credit report, then on XX/XX/XXXX I received XXXX more alerts of frudlint inquiries from U.S. bank I also notified them immediately to get them removed from my XXXX credit report, I've reached out to both companies with no luck I would greatly appreciate your help with removing theses frudlint inquiries from my XXXX credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I noticed an odd transaction post to my pending transactions list on XXXX that was titled PURCHASE AUTHORIZED ON XX/XX/01 XXXXXXXX XXXX XXXX for a total of XXXX dollars. 
The WF site says it is in the category of " rental car '' I don't know where you could make a purchase of this nature on instagram. 

I immediately called WF to dispute this transaction and was told that I needed to wait until the transaction posted before the claim would be started. 
XXXX it posts and I'm out XXXX dollars, and awaiting feedback on what seems to be a clear cut fraudulent charge. 

I call on XXXX for an update - as I just received an email that my account has hit XXXX dollars ( I'm missing XXXX dollars and my insurance bills have auto-processed ). I was told that the system is processing things automatically and that there was nothing further that the agent would be able to do about expediting the dispute.

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 monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief