vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I disputed an account in collections on my XXXX report. This account was paid in full and I have the receipt and emails with the company to prove it. I tried to upload the documents but their website wouldn't take it. I tried calling but was not able to speak to anyone or leave a message. I put the documents in the mail and sent them registered mail. They will not arrive until XX/XX/year>. I filled out the dispute this past weekend, the XXXX or XXXX of XXXX. So they spent 1 day to judge me guilty and say the account is verified. So the creditor, XXXX XXXX, their attorney 's, XXXX XXXX XXXX XXXX XXXX must have all submitted false information today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I opened a business account. XXXX XXXX XXXX XXXX, with Truist Bank at XXXX XXXX XXXX XXXX XXXXXXXX, with an initial deposit around {$8000.00}, give or take. Within a month and half Truist closed the account with no explanation as to why. I called a few time throughout the month for some type of update or status, which I was always advised that they're still doing their investigation and no determination has been made. 

Around XXXX XXXX I received an account statement in the mail with the account closure of XX/XX/XXXX. ( CLOSE OUT XXXX  XXXX, {$3900.00} ) and ( CLOSE OUT XXXX  XXXX, {$4000.00} ) My online privileges were suspended as well so I was never allowed to check on any activity regarding my business account through out this time either On XXXX XXXX XXXXXX/XX/XXXX, I was finally able to speak with a Loss Prevention Rep ( cant remember his name ) but he advised that the {$3900.00}, was returned to me, which it was. When I inquired about the remaining {$4000.00}, he advised that, that is not being returned due to fraudulent activities. When I asked about the fraudulent activities, he was referring to, he said he didn't know or he was not a liberty to say. When I asked to speak to a supervisor or to someone who did know because I needed further explanations, I was denied. 

I can mail in hard copies of my paperwork. It's not currently scanned into my email so I am unable to upload it at this time. Please advise. 

Any assistance and or answers or money you can provide or retrieve would be greatly appreciated.

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 2024-09-17 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the sharing of my personal information with the XXXX major credit bureaus and the subsequent verification process. I have repeatedly requested proof of the accuracy of the information being shared and a hard copy of the documents used to authenticate this information. 
I understand that it is important for businesses to have access to accurate information to make informed decisions. However, I also believe that consumers have a right to know what information is being shared about them and to have the opportunity to verify its accuracy. 
I kindly request that you provide me with the following : * A clear explanation of the specific information that has been shared with the XXXX major credit bureaus. 
* A detailed breakdown of the sources from which this information was obtained. 
* A hard copy of any documents used to verify the accuracy of the information. 
I would be grateful if you could address my concerns promptly. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and I still end up with incorrect numbers being put on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: WI

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary XXXX  to my life on top of hurting my 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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this 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 explanation
Consumer complaint received 2024-09-17 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: IL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-09-17 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third 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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposited two separate large amount checks. From my long time friend! They just said they are gon na freeze my account saying I cant get my money especially when it was the day before the hurricane was to hit. And I am a widow and get help from my friend who gave my the checks to deposit. They dont approve it and froze my account with all my money. I have a XXXX XXXX son who is XXXX XXXX. This has caused me so much pain and depression. I cant sleep almost every night. They just say Im under investigation and they interrogated my friend who wrote me the checks. And he said he helps me pay my large bills u til I can sell my house I can not afford since my husband died. They are causing me to become so ohycally sick and my health is deteriorating over this stress. How can a bank take my money when I did not one thing wrong nor illegal. This is chase the power hungry company who gets away with everything without consequences. Im gon na have to hire an atty if they dont give me all of my money out now. I dont want anything to do with chase. The manager at one of the branches even basically called me a XXXX. How is he not fired??!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I woke up this morning, I saw a code had been texted to me overnight. I did not recall logging into any site requiring a code, certainly not in the dead of night. 

I was ready to ignore it, but thought I should check the credit monitoring agencies ( I had frozen my credit at each having learned that my SSN had previously been leaked ). 

I was able to access & verify my credit freeze with XXXX XXXX XXXX. 

Not with Equifax. 

In fact, Equifax rejected my phone # ( which I have had for at least a 15 years ) and required me to submit even more identifying info by mail! 

I am not ready to provide this info to a company that can plainly not keep anything secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I had a car loan with Navy Federal I lost my job fall behind on payments, car got reposed. After car was reposed, I called way prior before today, asking what my options with the loan balance I was informed I would receive a letter in the mail once my car was sold this happen way in XXXX, I never received anything by mail saying my car was sold. I was unaware until today when deposited hit my account and the took my deposit. Funds have been in there prior, and they didn't take those funds. I called explained I never received anything by mail and that I need those funds to pay my bills. they told me I can't get my money because a payment arrangement wasn't set up. I said I never received a letter stating I needed to set that up or who to set it up with. They took XXXX from me and only gave me XXXX from money I had promise bills I was getting today to pay them. I understand a debt is owed but it's just the way you go about things if someone explains they need their money back to catch up on bills they should had said what will you give us today? Not just take XXXX  from me after explaining I needed most of my funds back. the account I had with them was closed and charged off it states that on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial 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 non-monetary relief
Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
unauthorized inquiries on my credit report -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX I sent validation letters requesting that the improper information be verified that is on my credit report. I got a letter back on all 3 attempts to get this corrected stating that the information had been verified. I asked by who and it was stated the courts. 

I then sent a letter that came from the court stating that the courts do not verify Bankruptcy information. 

PLEASE DELETE THIS ITEM 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 explanation
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I received a letter from Coinbase indicating that there was about {$500.00} of property ( crypto currency ) that belongs to me. In two weeks time, they'll be giving it over to the state as unclaimed property. 

The Coinbase account was started in about XXXX. I no longer have access to the email address or the phone number. I can verify my identity, and I reached out to Coinbase asking how I could get access to property which is legally mine ( and which I have a legal right to ). Coinbase told me that because I no longer had access to the phone number verified or the email that I used, they are unwilling to assist me. 

After looking on XXXX and XXXX it appears that Coinbase has a history of locking accounts, or otherwise refusing to allow people to withdraw.

Company response to consumer: Closed with explanation