vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: LA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
as of XX/XX/XXXX this year 2023  Chase bank ( jp morgan ) double charged my wife 's ( XXXX XXXX ) bank account in the amount of {$1100.00}, my wife did not have the funds for which Chase bank transferred the fund twice ( double payment ) on XX/XX/XXXX of this year 2023 resulting in a tranfer to my checking account of {$2200.00} from wife 's account. We contacted Chase bank both myself and my wife and notified Chase bank on XX/XX/XXXX of this year 2023. Chase bank declined acknowledge their mistake, instead Chase bank was blaming us their customer for their own mistake then Chase bank credited my wife 's account in the amount of {$1100.00} on XX/XX/XXXX of this year 2023. Chase bank then cause my checking account to go negative- {$10000.00} on XX/XX/XXXX of this year 2023. Again i contacted Chase bank and was advised i caused this issue, again Chase bank did not acknowledge their mistake and Chase bank did not warn me or let me know other charges would be returned. This happened after i made my credit card payment to XXXX  XXXX on XX/XX/XXXX of this 2023 the funds were taken out by Chase bank on XX/XX/XXXX of this year 2023 causing my account to be negative but that charge was returned never credited in my account and Chase bank also charged me insufficient funds fee of {$34.00} for that transaction but the fund of {$450.00} from XXXX  XXXX was never returned by Chase bank back into my account. Today XX/XX/XXXX i called Chase and again they were accusing me of causing my own account to go negative. I don't understand how Chase can take advantage of their customers with their own mistake, they need to return my funds of {$450.00} immediately and without excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: TN

Complaint narrative:
Arvest Bank failed to pay my taxes out of escrow, and I have now been charged interest by the county. I owe {$870.00} in taxes, plus {$52.00} in interest. This happened last year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
I want to file this complaint with EXPERIAN. I sent them a letter dated XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX : Company 's Response In your complaint, you request that information, including a bankruptcy, be removed from your XXXX Credit Report. You also claim that XXXX took more than 30 days to conduct a previous dispute investigation. In response to your complaint : Per your previous request, sent by mail dated XX/XX/2023 and XX/XX/2023, XXXX reviewed your request and informed you that all of the information referenced in your letter is not on your XXXX Credit Report. The investigation results were mailed to you in our letter dated XX/XX/2023, which means the investigation was completed on the same day your request was received. While XXXX does not have public records, such as bankruptcies, on our Reports, accounts on your XXXX Credit Report may still include a bankruptcy status. Currently, none of the accounts on your XXXX Credit Report include a bankruptcy status. You reference Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which permits a consumer reporting agency to furnish a consumer report at the written request of the consumer. However, that is not the only section that authorizes a consumer reporting agency to furnish a consumer report. Section 604 ( a ) lists several scenarios where a consumer reporting agency may provide a consumer report to a third party, including in connection with a credit transaction ( Section 604 ( a ) ( 3 ) ( A ) ). All of the other information referenced in your complaint is not on your XXXX Credit Report. The investigation results have been mailed to you separately. Please visit our XXXX XXXX on XXXX for more information regarding your 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 explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
someone staying in my home used my information to obtain credit cards and unemplyment in my name, i am a nurse and never stopped working, worked long hours, and she would get the mail, so id never see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im writing in the hope that someone can tell me how on earth decisions to lower or raise credit scores are made by XXXX, XXXX, and TransUnion. 

My credit score for a long while was XXXX - XXXX. I have just short of {$85000.00} deposited in two savings accounts, I have ZERO long term debt, NO car payment, NO student loans, NO medical bills, NO overdue bills of any kind. Still my credit score was dropped a full XXXX POINTS over a {$2500.00} charge that was paid off FOUR DAYS after it was charged??? 

I received an XXXX alert yesterday about a transaction on my XXXX XXXX, one similar to charges that Ive done several times before, specifically about {$2500.00} for vehicle maintenance. After a lengthy conversation with an XXXX rep I found that my credit score was about to be dropped a full XXXX POINTS for something Ive done several times before. That {$2500.00} didnt come close to the credit limit of my XXXX XXXX XXXX and last week I initiated a {$3000.00} payment from my XXXX account that posted to the XXXX yesterday leaving a current balance of about {$100.00}. 

How on earth does a charge of {$2500.00} warrant a reduction of a full XXXX POINTS to my credit score? This is not the first time this has happened but is definitely something that should NEVER be allowed to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have previously disputed account asking to verify or delete as I do not recall having this account open. Credit report is stating that investigation has started and dispute has been resolved. I strongly disagree because I have not received any documentation stating that this account is mine, and that debt belongs to me. I see multiple inaccuracies besides account not being mine. Were information is missing as far as date verified and date has been closed. Date of last activity, date reported, date account had been open, date last payment was done along with credit limit are all inaccurate. Account has not been verified and I have no clue where creditor and bureaus are getting information from this account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have previously disputed account asking to verify or delete as I do not recall having this account open. Credit report is stating that investigation has started and dispute has been resolved. I strongly disagree because I have not received any documentation stating that this account is mine, and that debt belongs to me. I see multiple inaccuracies besides account not being mine. Were information is missing as far as date verified and date has been closed. Date of last activity, date reported, date account had been open, date last payment was done along with credit limit are all inaccurate. Account has not been verified and I have no clue where creditor and bureaus are getting information from this account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My CBNA/SHELL card was closed on XX/XX/2022 the reported balance is {$7500.00} and XXXX reported balance {$6100.00}. A collection agency contacted me about this balance when I provided all the paperwork, they didn't understand why I was billed for the dispute and contacted the company. This account is with a collection agency and Citi is still reported a balance after transferring to an outside collection agency which is a violation. How can this account be with a collection agency that's attempting to collect this balance and Citi still reporting this balance after charging off this accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: GA

Complaint narrative:
I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. They failed to properly investigate the inaccuracies and unverifiable account on my report also, they never send proper validation of the account. They told me it was verified but never send me back any form of verification or an original contract bearing my signature. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of XXXX  when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on Transunion, They had address and a whole host of information inaccurate on XXXX, and XXXX they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of 2022 when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on XXXX, They had address and a whole host of information inaccurate on XXXX, and Experian they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I 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 2023-06-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, On XX/XX/XXXX, received confirmation that my account from XXXX  XXXX ending in XXXX has officially been paid off in full. I also have received notice that the account will be resolved, however, I have yet to see any changes occur.

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