vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against Equifax for reporting unverifiable public record information to my Equifax credit report and file. The unverifiable public record account being reported by Equifax is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXXXXXX. Equifax claims that this public record being reported has permissible purpose because it was verified as accurate by reseller XXXX XXXX as of XX/XX/2022 but XXXX XXXX is saying the complete opposite. XXXX XXXX is saying that the public record is unverifiable at that XXXX XXXX has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. Equifax claim they investigated this dispute and that it was verified as accurate by XXXX XXXX but there is no way they attempted to investigate the accuracy of the information if XXXX XXXX is saying that the information is unverifiable. If XXXX XXXX sold this information to Equifax and are now saying they can not verify the information and the US Bankruptcy Court located in XXXX is also saying that they do not verify or validate disputed information, then that means that Equifax has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If Equifax refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US District Court of New Jersey before a competent court of law! Equifax can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
I recently received a response from TransUnion to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my TransUnion credit report. I was saddened to learn that TransUnion somehow verified the disputed items, electing to leave them on my report. I am certain that the items I disputed are incorrect and should be removed. Here is a list of the items I have disputed with TransUnion. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX 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 2022-11-02 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: VA

Complaint narrative:
I have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I wrote to XXXX, XXXX, Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022, I wrote to Experian, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
During the Pandemic along with many others I filed for unemployment. At first I selected to have my funds sent to my account on Chime. When the second payment hit. They lock my account and told me it was due to fraud. my unemployment benefits hit my ChimeXXXXXXXX XXXX  account XXXX XXXX XXXX XXXX  in backpay in the amount of {$9300.00}. On the day of XX/XX/XXXX Chime froze my account with no warning. They question me on how I received the money, and even though after answering all their questions ; their own Representatives finding the source of the money for themselves ; proving identity several times, having my company write them an official letter. ChimeXXXX decided to close my account. And told me The only possible way for me to receive the money at this point is for XXXX to issue a Letter of Indemnity to XXXX. Keep in mind this is during the beginning of the pandemic and you couldnt get in contact with an agent at XXXX. I decide to call more higher up channels. So the officials I manage to talk ( The XXXX of XXXX ) I was told they dont issues such letters. That any letters that they are allowed to send us is already include in our back office. I understand that Chime used their right to close the account because of the cardholder agreement. However, I feel like the least they can do is send the money back to me since XXXX wont touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed several inquiries and accounts thats fraud on my account or unauthorized applied to open accounts XX/XX/XXXX XXXX XXXX inquiry for credit never applied for XX/XX/XXXX XXXX XXXX XXXX for credit i never applied for XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry never applied for XX/XX/XXXX inquiry on credit never applied for unauthorized XX/XX/XXXX inquiry XXXX XXXX  inquiry unauthorized XX/XX/XXXX inquiry XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX  INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XXXX XXXX XXXX XXXX NOT MY ACCOUNT 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 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
They have been repeatedly calling me at least twice a day for the past month. I recently answered the phone, and as they spoke about that I didnt confirm nor deny it was mine. All I did was ask for debt validation letter and the contract from the original creditor, or any documents pertaining to this credit from the original creditor mailed to the address that they stated they continue to say that they couldnt do it and it wasnt available so then they put me on the phone with a supervisor and both times the supervisor continue to ask me for my name and all I said was if they can send the above name documents to the address that they have on record and she continue to say if you dont tell me your name, I will not talk to you and proceeded to hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX 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

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 2022-11-02 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: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX 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

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 2022-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681m - Requirements on users of consumer reports 15 U.S. Code 1681- Congressional findings and statement of purpose Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Friday XX/XX/2022 my debit card would not work. 
I called Capital One and they informed me my account was being phased out, according to a letter they had sent me 60 days ago. They said within 3-4 business days they would be mailing me a check for {$780.00} which I would receive in seven to ten business days. 

I informed the representative I did not receive a letter. 

On Monday XXXX, 2022 I called Capital One to check on the status of my account, I asked why they could receive a deposit while my account was on hold or closed, they informed me the deposit went through because the account number was correct. 
When I asked what amount would be sent, they again said {$780.00}. When I asked when or for a check number, they would not provide me with either. 

On Tuesday XXXX XXXX a check was deposited into the account for {$1700.00} and even though the account was on hold they received the deposit. This changed the amount in my account to {$2500.00}. So, I waited a day to call Capital One Customer Service. I wanted to see if they refused the deposit to an account on hold. 

On Wednesday XXXX XXXX when I opened my account, they had accepted the deposit leaving my account balance at {$2500.00}. They also accepted a pending payment transaction from their institution for a {$500.00}. 

When I called to ask why a deposit and pending transaction were being accepted to an account on hold, they could not explain this matter to me. They said now it would not be sending my funds until Monday XXXX XXXX if the account is closed today. 
I asked to speak with a supervisor I was informed I was speaking to a supervisor. 
XXXX employee # XXXX. I asked for a copy of the conversation and a copy of the letter. I was informed neither were available to me. 
I'm not sure if Capital one is breaking any federal banking regulations. I am sure that their actions have been extremely irregular at best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX, and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was scammed out of {$2000.00} from my Chase bank account. I was told to wire/send money towards a rental deposit to another person 's account via XXXX. That same day I tried to have the transaction canceled or reversed and I had provided information to my bank to do so while the status was still pending. They refused to cancel or stop the transaction, nor did they provide any evidence of action/ provide follow up to the issue. I created a dispute, and tried multiple times to reach out to my bank and they have not been able to provide any assistance. I asked Chase to provide me some documentation showing I filed the dispute so that I can go to the police to file a report but they stated they " can not email me a reference number/ claim number for the dispute I initially tried to create. Now I have lost the ability to dispute the transaction. The account my money was transferred to is still active and capable of scamming others and although the information of that other account is accessible to the bank they refuse to retrieve the funds. I have attempted to request the money back via XXXX through my Chase app and the scammer is denying the return of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: LEXISNEXIS
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXXXXXX XXXX XXXX I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
On or around XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor ) sent account for {$690.00} to Professional Credit Management ( Collection Agency ) On or around mid XX/XX/XXXX or XX/XX/XXXX XXXX XXXXl also sent another account in the amount of {$480.00} to the same collection agency in error. The original creditor never filed this with my insurance provider. 

I have spoken with several different people at XXXX XXXX XXXX Department and XXXX XXXX agency to get this matter resolved. I have been unsuccessful in getting the {$690.00} removed. I did not authorize XXXX XXXX  to share any information with anyone which is a violation of the HIPPA LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I RECEIVED A CALL FROM " HOME DEPOT '' ON SEVERAL OCCASIONS AND FINALLY I WAS ABLE TO RETURN THE CALL. WHEN I RETURNED THE CALL THEY TOLD ME I OPENED AN ACCOUNT AND THAT I CHARGED OVER XXXX IN MERCHANDISE THAT IS NOT MINE, THE PERSON THAT I WAS TALKING SAID THESE PURCHASES WERE IN XXXX CALIFORNIA??? I NEVER LIVED OR HAVE BEEN RECENTLY IN XXXX CALIFORNIA. I TOLD HIM THAT AND TOLD HIM THAT WAS NOT ME AND THAT I NEVER OPENED AN ACCOUNT WITH THEM OR AUTHORIZED TO OPEN AN ACCOUNT THIS YEAR OR RECENTLY, BECUSE HE TOLD ME THE ACCOUNT WAS A RECENT OPEN ACCOUNT??? 

PLEASE FIX THIS AND I WOULD LIKE TO PRESS CHARGES TO THE INDIVIDUALS OR PERSONS WHO USE MY INFORMATION TO OPEN THIS ACCOUNT. THIS IS IDENTITY THEFT OR FRAUD. PLEASE LET ME KNOW THE BEST WAY TO PROCEED WITH THIS AS SOON AS POSSIBLE.

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 2022-11-02 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation