vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Why until now these incorrect information are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged XXXX on XX/XX/XXXX from Diners Club for an XXXX XXXX visit on XX/XX/XXXX. They should not have charged me as I have full insurance that paid this claim. I have tried to deal with them several times and sent them the proof that insurance paid, the explanation of benefits, and my insurance company tried to follow up with them as well. They refuse to suspend this amount as they say they dont do that. I dont understand as that is illegal when I have submitted proof that I should not have been charged.

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card 's consumer service is very low end. Texting is an endless circle. Calling is a computer that does not respond. 
I would like to share my endless texts. 
I got 2 emails stating the Bank tried to call. I never received the call. I asked for a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

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.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am requesting proof that I owe this debt, including all account information and documentation bearing my original wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
In accordance with the fair credit reporting act chase bank has violated my rights. 

15 USC 1681 section 602. States I have the right to privacy.

15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an opened and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXXXXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting Dear Sir/Madam , I am writing to formally file a complaint against the three major credit bureausXXXX XXXXXXXX, and TransUnionfor reporting inaccurate information on my consumer credit report. 

As outlined in 15 U.S. Code 1681, the accuracy and fairness of credit reporting are crucial not only for the integrity of the banking system but also for consumer confidence. Inaccurate credit reports can lead to significant adverse consequences for consumers, including denial of credit, higher interest rates, and damage to their reputation. 

Despite my efforts to rectify the inaccuracies reported by these agencies, they have failed to investigate my claims thoroughly or provide adequate responses. This not only violates my rights as a consumer but also undermines the essential function of credit reporting agencies as described in the Congressional findings.Im attaching a copy of my Credit Card Statement for documentation showing when my credit card company reports to the credit bureaus, and you can clearly see the violation. 

I request your assistance in investigating this matter and ensuring that the credit bureaus adhere to their legal obligations to maintain accurate and fair reporting practices. I would appreciate any guidance you can provide on the next steps I should take. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,

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 2024-11-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting Dear Sir/Madam XXXX I am writing to formally file a complaint against the three major credit bureausEquifax, Experian, and XXXXfor reporting inaccurate information on my consumer credit report.

As outlined in 15 U.S. Code 1681, the accuracy and fairness of credit reporting are crucial not only for the integrity of the banking system but also for consumer confidence. Inaccurate credit reports can lead to significant adverse consequences for consumers, including denial of credit, higher interest rates, and damage to their reputation. 

Despite my efforts to rectify the inaccuracies reported by these agencies, they have failed to investigate my claims thoroughly or provide adequate responses. This not only violates my rights as a consumer but also undermines the essential function of credit reporting agencies as described in the Congressional findings.Im attaching a copy of my Credit Card Statement for documentation showing when my credit card company reports to the credit bureaus, and you can clearly see the violation.

I request your assistance in investigating this matter and ensuring that the credit bureaus adhere to their legal obligations to maintain accurate and fair reporting practices. I would appreciate any guidance you can provide on the next steps I should take. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-21 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
These fraudulent, inaccurate, and false information consists of XXXX personal accounts, An Apartment named XXXX XXXX XXXX XXXXXXXX collected by XXXX XXXX # XXXX. And an application for rent at XXXX XXXX  XXXX collected by XXXX # XXXX. And another account at XXXX on XXXX -XXXX  acct # XXXX. These accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All these accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints on all accounts mentioned and as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: UT

Complaint narrative:
NAR Inc sued me for XXXX for their client XXXX XXXX. I had a loan from them for XXXX and had paid them directly XXXX which they did not include when they sent it over to NAR INc. I have provided NAR Inc the payments that were made and they will not adjust total amount due. They have successfully processed a writ of garnishment for XXXX not having applied my payments. They are ignoring the promissory note and last I checked that is a legally binding document. There was also an arbitration agreement in the promissory note ignored as no-one offered to arbitrate. It went straight to court. NAR is refusing to follow the law and apply my payments. If I do end up paying the full XXXX and XXXX I will have paid over XXXX for a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: NJ

Complaint narrative:
XXXX XXXX opened up a credit account ( Acct XXXX ) on XX/XX/year> using my social security number. This account was reported to TransUnion and XXXX and was included in my credit file. My credit is locked/frozen for both credit bureaus, but XXXX still somehow opened this account. 

After receiving the credit alert from TransUnion and XXXX of the new account, I contacted XXXX to report the fraud. They could not locate any record of the account, despite having reported the account to 2 credit bureaus. Because of this, they also refused to open up an investigation of fraud so that bureaus can take action to remove the account reported by XXXX from my credit report. 

My credit has been negatively effected by XXXX 's fraudulent activities.

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 2024-11-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife 's and I have a joint account and her SSI goes into the account direct deposit.I did change the account XXXX months ago and did inform social security of the new account.The money for XX/XX/XXXX was trying to be deposited into the old account by error.Now the bank have the funds on hold for about a month now instead of depositing the fund into our new account.Got a lot of pass due bills and late fees over this month and the bank is still holding the money.

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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I issued a {$400000.00} check from my Citibank account to XXXX XXXX. XXXX XXXX informed me that Citibank refused to honor the payment, the funds were returned, and my Citibank statement reflected this as normal. However, two months later, Citibank claimed that XXXX XXXX never returned the check, resulting in a {$400000.00} deficit in my account. My XXXX XXXX account has since been closed. 

I have requested Citibank to correct the error and update my account information, but Citibank has refused to take responsibility and instructed me to contact XXXX XXXX directly. This situation is causing me significant stress, and I believe it is unfair for Citibank to shift the burden of resolving this issue onto me. I am seeking your assistance to mediate and ensure Citibank rectifies this error. Thank you.

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 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is numerous interference with my money. Cashing checks, I was told that it is going to take a week. BMO does not allow me to set up XXXX and claiming that my cell phone number is not good for XXXX. My email is used with a different bank that they saw. BMO does not allow me to use my debit card. No explanation arrived to me email. It looks like conspiracy. The staff at the branch is not friendly and cover up each other. Do not care about the customer. BMO imprisoned thousands of my money and I was not able even to pay my rent. 

To CFPB My phone number is XXXX. Do not assist criminals, please. The phone number ending with XXXX, does not exist for XXXX  months. I already asked to delete it and change.

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