vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
Please see attached docs to include police report I'd theft report and accounts that need to be removed within 4 days based off the FCRA and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : requested! 
XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX & XXXX Account number : XXXX I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report XXXX  XXXX  Account number : XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with XXXX  XXXX, please remove it from my credit report XXXX XXXX Account XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report. 
XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX I do not have a contract with XXXX XXXX XXXX, please remove it 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : requested! 
XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX & XXXX Account number : XXXX I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report XXXX XXXX Account number : XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report XXXX XXXX Account XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report. 
XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: MA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My name is XXXX XXXX. 
The account name is XXXX XXXX The account begins in XXXX The account name is self capital The account number is XXXX The account name is XXXX XXXX The account number is XXXX The account name is XXXX The account number is XXXX I looked at my experience credit report today XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall fall reasonable procedures to assure maximum possibility of accuracy of the information concerning the individual about whom the report relates according to 15 SC 1681 chapter E chapter B and according to 15 USC 1681 five they are supposed to do this treatment of inaccurate or unverifiable information a behalf in general of any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information as inappropriate based on the results of the reinvestigation and ( ii ) notify the furniture of that information that the information has been modified or deleted from the file and according to 15 USC 1681s-2 they are suppose to 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. 
XX/XX/year> 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 2024-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
The company Macys is directly violating my consumer protection rights as they have not proved the requested balances and fraudulent transactions were authorized/made by me. Company has limited access to U.S. Representatives- many which are untrained and unable to provide assistance in legal matters or those that breach consumer rights. Macys is refusing to investigate further account activity, then later closed the account without authorization to access the credit file which they stated is the reason of account closing. Macys used deceptive, unethical business tactics in several occurrences not limited to, reducing credit limits significantly despite on time payment history ( resulting in continuous high utilization ), inflation of fees accessed, failure to provide consumer friendly platform ( online servicing/out-sourced representatives ), negligence to notify consumer of account details, and withholding information. Despite the response to previous compliant, senior executive at Macys did not respond to calls or emails left to further investigate/ discuss issues and how consumer rights were violated.

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 monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the XXXX is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.

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 2024-05-19 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: SC

Complaint narrative:
Please see attached docs to include police report I'd theft report and accounts that need to be removed within 4 days based off the FCRA and 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 2024-05-19 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: SC

Complaint narrative:
Please see attached docs to include police report I'd theft report and accounts that need to be removed within 4 days based off the FCRA and 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 2024-05-19 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: MN

Complaint narrative:
Equifax is illegally posting information on my credit report according to 15 USC 1692 c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication reporting to my consumer report is a form of communication. 

The refuse to do anything accept send out stall letters. They are breaking the law. 

XXXX CREDIT COLLECTIONS- {$120.00} XXXX XXXX XXXX XXXX- {$520.00} XXXX. XXXX XXXX- {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a promotion on this card of 0 % interest until XXXX. I was making payments on a large charge of $ XXXX which was more than the minimum required to pay it off before interest accrued. I did not use the card at all besides one other purchase recently, which I paid off immediately. However, the company then removed the 0 % interest and did not apply my payment to the new charge. Then without warning the company began charging interest on what was supposed to be interest-free until XXXX. I tried calling and had to go through XXXX voice prompts to finally get to a human, but could not get anyone to listen and they claim there's nothing they can do, which is bogus.

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 monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Payfare International Inc.
State: MD

Complaint narrative:
The bank charged my XXXX for XXXX XXXX The XXXX for XXXX XXXX It posted to my account at XXXX and XXXX But I dont have the overage of the amount in my account I need my XXXX dollars in my account Everytime I ask they keep hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Last month, my husband tried to deposit cash into our joint checking account. The teller, in my opinion sensing that he is an XXXX  who doesn't speak XXXX well, told him not to bring back cash again because it takes too much of her time. Last week, I sent him to the bank to withdraw {$20.00} in $ XXXX, and the teller there refused. 

Banks handle money, don't they? 

I tried to call the bank but only got a recording that they were too busy to answer.

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 2024-05-19 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: FL

Complaint narrative:
So, as you can see on the report it's showing two accounts reporting on my history. The progressive file wasn't given any permission to open. The XXXX XXXXXXXX file was a paid in full account that is still being reported as charge off. The following address on that file isn't my correct home address. The Address listed below on the letter is my current address and has been the only apartment I've ever lived. I would like These accounts to be analyze soon as possible - 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 2024-05-19 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I contacted transunion XX/XX/2024 by messages about past due inquiries on my credit report. I was they would be removed automatically. I called on XX/XX/2024 and spoke with a representative after identity verification he checked my credit and the inquiries were still there, he told me to give him a few minutes to fix the issue. After several minutes he returned to the call and assured me the inquiries were removed. After hanging up I checked my credit report and the inquiries were not removed. I contacted transunion and used messages a person named XXXX responded and stated I would have to write a letter to have them removed. I didn't think she was very knowledgeable because the removal procedure for hard inquiries is removal XXXX from the initial start date

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 2024-05-19 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: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I was trying to purchase a home for my family and after my grandmother passed away but was unable to complete the process due to inaccurate information listed on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct as a result of possible fraud. According to 15 U.S. 1681c-2 ( block of information results from identity theft ), the following items must be blocked, however, I would like them removed because I did not authorize them. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are a result of fraud and the following companies are reporting them : 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 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 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 Experian 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 XXXXXX/XX/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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The account XXXX XXXX  account is not being reported by the 3 major credit bureaus accurately & in complete fashion. There are multiple inaccuracies such as ; the date that this account was originally opened, the last payment made is inaccurate, claiming that my payment was late, I have tried to resolve this issue with the credit bureaus but I haven't had any success. The Bureaus refuse to remove this alleged late charge and have been reporting my information inaccurately causing my credit score to drop and impacting my financial life negatively. I would like for the 3 credit bureaus to report this account as paid on time instead of paid late.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The account XXXX XXXX  account is not being reported by the 3 major credit bureaus accurately & in complete fashion. There are multiple inaccuracies such as ; the date that this account was originally opened, the last payment made is inaccurate, claiming that my payment was late, I have tried to resolve this issue with the credit bureaus but I haven't had any success. The Bureaus refuse to remove this alleged late charge and have been reporting my information inaccurately causing my credit score to drop and impacting my financial life negatively. I would like for the 3 credit bureaus to report this account as paid on time instead of paid late.

Company response to consumer: Closed with non-monetary relief