vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 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 2023-06-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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:
In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian and XXXX to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
I mailed a check to my landlord through Chimes app on XX/XX/XXXX for {$950.00}. The check was returned uncashed by XXXX XXXX XXXX. Despite sending the letter from XXXX XXXX XXXX to Chime numerous times over the past two months, they still refuse to acknowledge that the check was returned uncashed and refund my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: TX

Complaint narrative:
During the covid pandemic on 2020 I did a forbearance with XXXX XXXX, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During the covid pandemic on 2020 I did a forbearance with XXXX XXXX, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
ON XX/XX/2023, I CALLED AVANT CREDIT CARD COMPANY TO PAY MY BALANCE IN FULL. I WAS INFORMED THAT I NEEDED TO PAY {$470.00}. I PAID THE BALANCE AND WAS TOLD THAT I HAD A {$0.00} BALANCE. ON XX/XX/2023, I CHECKED MY CREDIT REPORT AND FOUND THAT AVANT STATED THAT I OWE THEM {$3.00}. I CONTACTED THE COMPANY AND INQUIRED. I WAS TOLD THAT THE {$3.00} WAS INTEREST. AVANT PLACED THIS INTEREST ON MY ACCOUNT ON XX/XX/2023. I REQUESTED THAT THEY REMOVE THIS BECAUSE ALL INTEREST STOPPED WHEN THE BALANCE WAS PAID. AND, THAT THEY INFORMED ME OF THE PAYOFF BALANCE. I PAID WHAT WAS TOLD AND THAT THEY SHOULD REMOVE THIS INTEREST. THEY COULD NOT EXPLAIN TO ME HOW THE INTEREST ACCUMULATED ON A {$0.00} BALANCE. I SPOKE WITH XXXX, SUPERVISOR. SHE REFUSED TO REMOVED THE INTEREST AND I REFUSE TO PAY MORE MONEY WHEN THE ONUS WAS FOR THE AGENT TAKING THE PAYMENT TO PROVIDE THE PROPER PAYOFF AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: TX

Complaint narrative:
My XXXX credit account shows incorrect information listed. This ACCOUNT is PAID in full. please REMOVE this account from my CREDIT 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 2023-06-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately reinvestigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : ending XXXX Reason : closed account NEVER HAD LATE PAYMENTS AND NOT COLLECTION ACCOUNT. 
Instruction : VERIFY CURRENT NON-COLLECTION ACCOUNT STATUS Furthermore, 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 creditors address and phone number.

3. The date you contacted the individual furnishers of information.

4. The date you contacted the individual furnishers of information and the description of the method used to verify the dispute.

I would 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. 
Sincerely, 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 2023-06-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.

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 2023-06-21 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: OH

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX & XXXX XXXX XXXX - XXXX. 
XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: TN

Complaint narrative:
I am writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.

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 2023-06-21 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: TN

Complaint narrative:
I am writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I was pre-qualified for a home loan and when they pulled my credit, all 3 credit bureaus reported my scores. My main credit card is through XXXX XXXX. Now that we are closing, Equifax is no longer reporting that I have any existing credit, and it is causing serious problems with my mortgage. 

On XX/XX/XXXX, Equifax said the problem was that my birth date was missing on their end. We verified it was fixed. On XX/XX/XXXX, they said it was because XXXX  was not reporting to them. XXXX  has confirmed on multiple occasions that they are reporting to all 3 credit bureaus including Equifax. On XX/XX/XXXX, this issue is still going on and holding up closing. Both XXXX XXXX  and Equifax maintain there is nothing they can do. XXXX XXXX  says they are reporting it ( which they have been since XXXX ), and Equifax is saying they can not see it and the bank must have removed them from reporting. 

I have spent hours on the phone with both companies, both of whom are denying responsibility. There other two credit bureaus are receiving the reporting from XXXX, and Equifax used to have this line on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # 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.

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 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a checking account with Citibank Bank about 4/5 months ago : Card # XXXX XXXX XXXX XXXX. The account was suddenly closed for reasons, that I am still not sure exactly why. At first, they said it was for an invalid check that I deposited. But when I provided proof that the check in question was a certified check that was issued to me by XXXX XXXX, they recoiled and said it was an error on their part. Nevertheless, the account remained closed and the XXXX XXXX XXXX amount I had into the account is still into their possession 3 months past the closure of the account. About a month ago, they released a portion of that amount {$3200.00} and at this hour they still have {$2700.00}, which they have not yet released. I have called them countless time, only to be told that they have sent emails to their " Back office '' and that they are still waiting for a response. 

It has been 3 months since my account was closed for some bogus reasons and Citibank have not yet released the funds I had into this account. I have exhausted all talks with them and I am now seeking help from a higher concerned instance in order to have my funds released. My funds were sent to " Risk Deposit '' Account, and after talking to them numerous times, I conclude that, this department operates like a fraud scheme department, attempting to steel your hard earned money by claiming that your own money is not yours and that it belongs to them. They are very sleazy, and sneaky.

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 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Scammer pretended to be legitimate company by taking their likeness and hacking into a third party 's email account to receive XXXX payments. The banks and XXXX will not reimburse me the money because they said I was the one that initiated the payments even though I was lead to believe the person was a legitimate business. This happened XX/XX/23 through XX/XX/23 involving two credit unions. The amount fraudulently taken was {$980.00} at Pentagon Federal Credit Union.

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 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: DC

Complaint narrative:
On XX/XX/2023, I attempted to log into my account in order to pay off this loan. However when I attempted to log in my account was locked out, and a password reset did not work. I followed the companies instructions and first attempted an online chat and then sent an email. 

My email traffic was unrequited, and I finally got in touch with a person on the phone on XX/XX/2023, and was informed by the person on the phone that they refused to accept any payment from me unless I forwarded a bank statement. They said only a manager could take this payment and they would call me in 1 to 2 days. No emails were returned and no phone calls wherever made to me. 

Everyday that I was not allowed to make a payment caused a financial impact as the interest rate of this loan is extremely high. This delay tactic, without explanation caused a significant amount of interest to accrue.

Company response to consumer: Closed with explanation