vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Equifax, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXXXXXX XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

XXXX XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

XXXX : Account number : XXXX, Account description doesnt relay correct data to help identify and establish ownership of the account. Please validate this unverifiable account. 

XXXX : Account number : XXXX, I need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediately. 

XXXXXXXX XXXX : Account number : XXXX, I was never late on this account. Update this account for inaccuracy. 

XXXX XXXX  Account number : XXXX, Each bureau reports that I was late on a different date remove from inaccuracy. 

As you investigate these items. I also would like my personal information to be updated. Please remove the incorrect spellings of my name from my report. The only spelling of my name should be XXXX XXXX. I also want to remove all addresses associated with my credit report that are not XXXX XXXX XXXX XXXX XXXX, GA XXXX. As you guys request with this dispute. I have proof that my name is spelled XXXX XXXX and have attached my ID in order to replace the information on my credit report and remove the inaccurate spellings of my name. I've provided proof that my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have attached proof of that as well. My address has been the same for the past 10 years and I would like any other outdated incorrect address to be removed. I understand that this information should be addressed easily according to the FCRA reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i alredy dispute these items on the bureaus and they don't delete it 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC.
State: OH

Complaint narrative:
First federal credit ctl collection debt is paid in full..I spoke with a lady named XXXX crane and she sent me a receipt of the debt paid In full but she did not send the letter of deletion as she promised..Ive disputed wit XXXX XXXX and XXXX and asked to delete of credit file immediately because I paid debt in full

Company response to consumer: Untimely response
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a debt with XXXX XXXX XXXX XXXX XXXX back in XXXX, i explained to the company I was homeless and lost my job and would pay off debt once I get on my feet. On XXXX XXXX, XXXX my account with the company was open. I paid {$420.00} {$420.00} for the debt amd {$5.00} for the processing fee. I provided experian with the ban statement proving it was paid and security plus was reporting it was a charge-off and that the accout was closed in XXXX which is false. They are not reporting i paid them at all, it states {$0.00} for all these years. Experian has not changed this information stating the information is correct. I want a full investigation into the real date and year this account was closed. Once i paid the thats when the account was closed and me not knowing much about credit reports i thought it was good. I was told if i pay in full and not installments they would clear it off my credit. This has hurt my chances for apply for loans, credit cards and many more. This company experian has not truly investigated this issue. I want this removed from my credit report they has not reported that I paid the debt off. I believe they have committed fraud by taking a payment from me then writing it off.

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 2024-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood closed my Brokerage account on XXXX. 

There was {$2100.00} available balance in my brokerage account. 

Robinhood sent me an email saying : due to account closure, {$3000.00} was returned to my funding debit card ending in XXXX. As a result, my brokerage account was put in deficit status with - {$840.00} negative balance ( - {$840.00} = {$2100.00} - {$3000.00} ). 

However, my debit card ending in XXXX only received {$2100.00} refund, not the {$3000.00} mentioned by Robinhood. 

I contacted Robinhood about this error but they refused to respond to my inquiry and my account has been put under deficit due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: GA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/24 at XXXX XXXX  I visited a Chase Bank ATM to deposit {$1000.00}, during the deposit the ATM machine froze, I waited for about XXXX minutes and it then spit out a receipt that said To be sure your deposit went through, please call us at XXXX and the money never was spit back out of the machine. I called the number to file a claim and an investigation was opened while I was still sitting there at the ATM. 

I received a letter from Chase Bank in the mail on XX/XX/24 stated that they did an investigation and the claim was denied. 

I called customer service and had the investigation re opened, I also provided them with a photo of the receipt that was mentioned above. 

I called on XX/XX/24 to check on the status of the claim and they stated it was denied again. I requested information on the details of the investigation but they stated they can not provide details and said there is nothing else that they can do. I asked if I can see the video footage and was told no or if I could speak to someone else and was told no. I also asked for the information of the company that would have counted the money that day but was told no they can not provide that. 

On XX/XX/24, Chase removed {$1000.00} from my account and I am now negative that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Per 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication. Please cease and desist all calls and any other contact with me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave permission for any of these companies to run my credit. I contacted all of the companies and they still havent done anything about it or removed the inquiry 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) on XXXX its ( XX/XX/XXXX ) & on Equifax its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-24 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: CO

Complaint narrative:
I requested that XXXX close my credit card account shortly after I moved away from XXXX XXXX in XXXX. The representative refused my request and stated that I would have to come in person to close the account. I paid all balances, cancelled the card, and thought all was well. In early XXXX I decided to move from XXXX XXXX XXXX and, again, requested that XXXX close this account. I worked with them for over a week via phone, secure chat, and email to finally get them to allow me to digitally sign the form to close my account. To my surprise they stated that I had a past due balance and XXXX notifications from XXXX in any way. I was surprised, but paid the ~ {$300.00} to check the box and continue with my move preparations. Now I am noticing that XXXX reported 6 late payments, which is destroying my credit. I reached out to XXXX to resolve the issue. They stated that since my account was already closed they would not be able to look into or dispute charges. I believe this is a malicious action taken by XXXX that should not reflect poorly on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Subject : Urgent : Unjustified Account Freeze and Unauthorized Withdrawal by Capital One Bank - Seeking Your Assistance Dear Sir, I hope this letter finds you well. I am reaching out to you with a heavy heart and a deep sense of frustration regarding an ordeal I've been facing with Capital One Bank, and I'm sincerely hoping for your intervention to bring about a fair resolution. 

In XX/XX/year>, I embarked on what I hoped would be a fruitful banking relationship with Capital One Bank. I diligently deposited funds into my account and awaited the arrival of my card. However, much to my dismay, my optimism quickly turned to disappointment when, upon attempting to use my card, I found that my access had been abruptly blocked. The reason? I was asked to visit the branch for verification, a task that I found myself unable to complete at that particular time due to unavoidable circumstances. 

Despite my inability to physically visit the bank, I continued to receive monthly statements from Capital One, reassuring me that my hard-earned money was safe and sound within my account. This sense of security was shattered when, in XX/XX/year>, I received a statement indicating that funds had been withdrawn from my account on XX/XX/year>, without my knowledge or consent. 

Understandably alarmed, I immediately reached out to Capital One Bank in search of answers and a resolution. Regrettably, what I encountered was a frustrating barrage of excuses and evasions from their representatives. Despite my persistent efforts to understand why this unauthorized withdrawal occurred and to reclaim my funds, I was met with nothing but dead ends. 

The toll this ordeal has taken on me is not just financial but emotional as well. The sense of betrayal and helplessness is overwhelming. As a responsible citizen who places their trust in financial institutions to safeguard their assets, I find Capital One 's actions inexcusable and unacceptable. 

With all this in mind, I humbly implore your office to investigate this matter thoroughly and ensure that justice is served. I ask for your guidance and support in holding Capital One Bank accountable for their actions and in securing the compensation that I rightfully deserve. 

Thank you for taking the time to read my letter and for considering my plea for assistance. Your intervention in this matter would mean the world to me. 

Warm regards, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief