vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 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: NY

Complaint narrative:
i have asked a 3 bureaus to fix the inaccurate info on my credit reports last 3 months i have submitted claims about the XXXX XXXX credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..

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 2023-07-16 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:
i have asked a XXXX bureaus to fix the inaccurate info on my credit reports last XXXX months i have submitted claims about the XXXX XXXX  credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX  and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: MA

Complaint narrative:
AXXXX XXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXX IN - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with XXXX, TransUnion and Also XXXX and they refuse to remove them from my 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 2023-07-16 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: MA

Complaint narrative:
XXXX XXXXXXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXXXXXX XXXX - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with XXXX, XXXX and Also Equifax and they refuse to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX, XXXX, Tranunion isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

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 2023-07-16 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: NJ

Complaint narrative:
Equifax, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX, Experians, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

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 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of imposter scam. A XXXX based dating app scammed my out of {$25000.00} USD. The bank recalled {$5000.00} but would not recall the other {$20000.00}. What can be done about this? 
Plus a company called XXXX  said if I paid them {$3000.00} then they can help me recover these funds. Can you tell me if this company is legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: MS

Complaint narrative:
myEquifax Closed Accounts Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections generally stay on your Equifax credit report for up to 7 years from the date of first delinquency 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/ someone opened a fraudulent credit card from capital one from XXXX VA. I called capital one and had it shut down. I was then told by capital one I need to contact all three credit bureaus to have the hard inquiry removed from my credit history since it was fraudulent and not me. XXXX told me this inquiry can not be removed from my account for two years! This was not me and I want it off my account. I filled two disputes and they said they are not removing the inquiry from my account!! This was not me and I want it off my report it was FRAUD. Capital one informed me it can be removed from my credit history and XXXX keeps saying they can not remove it even though they have verified it was fraud with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Submitted request asking that duplicates and items that were over 7 years old be removed from XXXX, XXXX and Experian. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.

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 2023-07-17 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I scheduled a transfer of {$2000.00} ( online, via the Capital One website ) from my Capital One 360 online savings account into my linked personal checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It posted on XX/XX/2023 and the amount was deducted from my Capital One 360 savings account. It said 1-3 business days for funds to be available. No funds have shown up in my XXXX XXXX checking account. On XX/XX/2023, I called XXXX and they can find no evidence of the funds anywhere and stated it was an issue on Capital One 's side. ( They also stated this is a " pervasive problem '' with Capital One. ) So I contacted Capital One the same day. I first spoke with XXXX, who blamed my credit union and then transferred me to XXXX. My understanding is that XXXX filed a dispute claim ( but she kept putting me on hold as there seemed to be some problem with the system- the call lasted XXXX minutes ). She stated that the claim number and status updates would be sent to me via email, and a resolution should be forthcoming within 45 days. It is now 3 days later and I have not received any claim number or any acknowledgment of my complaint/issue ( though they did send me a survey, so they clearly have the correct email address ). This is a nightmare scenario where both companies blame the other and I am out the {$2000.00} with no written acknowledgment or confidence in the system handling the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX. I am doing a formal complaint for U.S bank, regarding a credit card application XXXX that Ive submitted since couple months ago. I have to mention that I have a checking and savings account with the financial institution since XX/XX/2022. I am a person whos always on the top of my credit score, managing my credit bureau at XXXX, XXXX and XXXX. 
U.S bank is declining my credit card application because due to too many trade lines opened in the last XXXX  months. 

Fist of all I demand to U.S Bank to provide me an exactly number of how many is too many tradelines for the bank. Because too many is not a concise, clear and understandable answer for any customer. 

I met all requirements : *I have account history with the bank *My credit score is XXXX *I am a full time employee with an anual income of {$56000.00} *all payments due to date *no collections I called U.S Bank after get the letter with the explanation, the corresponding department never provide answers for my questions, and the documentation is not clear, please do a research to verify information by the recorded calls. 

Is not acceptable for me, to be part of a bank that provide features and benefits to just SOME of the customers. 
On my criteria, I understand that credit lines represent requirements in order to be approved, also I know that banks must provide to their customers with an explanation of denied applications, but TOO MANY TRADELINES, IS NOT an answer. I have some credit cards and a car loan, with no pending balances, credit usage of the 6 %, Exceptional payment history, Simply, U.S Bank is being discriminatory, with no concise reasons to denied my application. I demand to be approved for the credit card application, and have the right to enjoy the bank benefits like any other costumers that meet requirements established for the bank and the law.

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 2023-07-16 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: MS

Complaint narrative:
myXXXX  Closed Accounts Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections generally stay on your XXXX credit report for up to 7 years from the date of first delinquency 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 XXXXXXXX

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 2023-07-16 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: MD

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the accuracy of my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I recently conducted an investigation with XXXX, one of the major credit reporting agencies, regarding the hard inquiries on my credit file. I am pleased to inform you that XXXX diligently carried out the investigation and promptly deleted all the hard inquiries that were found to be inaccurate. Under the FCRA, credit reporting agencies are mandated to ensure the accuracy of the information they report. Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. Based on the recent deletion of these hard inquiries by XXXX, it is evident that the information currently present on my Equifax report is no longer accurate. As such, Equifax is in violation of the FCRA by continuing to report inaccurate information. In accordance with my rights under the FCRA, I kindly request that Equifax takes immediate action to rectify this situation by deleting the inaccurate hard inquiries from my credit file. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA grants me the right to dispute inaccurate information directly with the credit reporting agency. I trust that as a responsible credit reporting agency, you will comply with the FCRA laws and promptly address this matter to ensure the accuracy of my credit report. Failure to do so may result in further legal action to protect my rights under the FCRA. Thank you for your attention to this issue, and I look forward to receiving written confirmation from Equifax once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated with XXXX, XXXX, and TransUnion, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, TransUnion, and XXXX remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.

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 2023-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am extremely frustrated with XXXX, Equifax, and XXXX, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, XXXX, and Equifax remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: NY

Complaint narrative:
i have asked a 3 bureaus to fix the inaccurate info on my credit reports last 3 months i have submitted claims about the XXXX XXXXXXXX  credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX and the late just kepted adding on i contacted XXXX XXXX  and paid balance they said i owed they said it would be corrected on there end..

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 2023-07-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: TX

Complaint narrative:
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