vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
As of today, XX/XX/XXXX, my request for my consumer file has not been provided nor have I received a response to my complaint submitted on XX/XX/XXXX ( see attached ). As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. Equifax is intentionally and willfully neglectful in remedying my affairs as they confirmed that they do not have any substantial proof of evidence for the below-mentioned account to be able to legally furnish the account on my consumer report. As a reminder, I am not requesting a dispute.15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 I ( A.5 ) says that after are investigation all unverified information must promptly be removed. This will be my final demand for Equifax to remove the account XXXX XXXX XXXX XXXX - XXXX from my consumer report immediately. Otherwise, I will proceed with seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After my credit report was pulled I have received 39 solicitation calls from mortgage companies in a 4 hour period. I am on the Do Not Call list. My information was provided as having been applying for a mortgage and my information is being sold by the credit bureaus to mortgage companies. 
When I ask who they are and how they got my info they hang up. 
These calls all came between XXXX XXXX and XXXX this morning XX/XX/2023. This practice needs to be stopped. The one caller stated he got my info from Experian.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Several years I've tried to

ge t a Home Depot credit card but I'm always denied for an inaccurate reason. Today was the first time I've spoken to an agent that I could understand. I have Good credit yet they constantly put me on hold and then ask is there another number that I can receive text I reply no. I have one mobile number and one home no matter which I give I'm denied.

Each time I'm being denied my scores drop. I'm being unfairly denied for some personal reasons by Home Depot Credit Services. The credit card services CITI Bank told me it was Home Depot decision although I have a credit card from the same provider. 

Dates : XXXX thur XXXX denied Home Depot  : untruthful and misleading

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received a notice on my XXXX XXXX that my account for CB/Torrid was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. 

He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. XXXX stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of CB/Torrid , I was told the way to get it corrected was by disputing the late payment and I did that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've been trying to monitor my credit report with Equifax both online and with the Free XXXX XXXX XXXX. I've even tried to call a few times in the last XXXX months. Each time it's like I don't exist. I called them with the number given on their website ( because I get the error message : Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. ) The agent was confused and said they didn't know what that meant and tried to help me log on the website. After giving all the information I needed to prove I am me they still couldn't prove who I was or pull up any past information about me. It's like I never existed with them when in fact I did before XX/XX/2022. I can give my information to XXXX or XXXX and they can pull me up with no problem. The only problem is with Equifax. This has been going on for the last XXXX months. I just want to know if I exist with them and I don't want this to effect taking out loans or anything with companies that uses them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CORELOGIC INC
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file 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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I filed a fraud claim with Well Fargo credit card for 2 fraudulent purchases made on XX/XX/2022 for XXXX XXXX XXXX XXXX {$420.00} and XXXX ) XXXX {$280.00}. I nor anyone in my household or anyone known to me made these charges. Wells Fargo reversed the fraud claim. I sent Wells Fargo letter on XX/XX/2022 stating I did not make the charges nor did anyone else known to me make the charges.

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IA

Complaint narrative:
i gave a verbal cease and desist and now they are trying to call me on my cell phone wich is illegal. ( 15 U.S.C. 1692c ). they are to stop all contact or ill sue the XXXX out of them. the debt is over the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: KY

Complaint narrative:
Letter of NON CONTACT. 
XX/XX/2023 XXXX included no debt confirmation or validation, no agreement to pay any unknown outstanding debts with any entity, including XXXX XXXX XXXX XXXX XXXX 

Statement includes copy of NON CONTACT to : Ky State Atty Gen, Consumer Protection ; Federal Trade Commission ; CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
RE : " XXXX '' ( at the present time, Chase NOT is willing to accept responsibility for what's happened to me ). 

I am currently customer of JP Morgan Chase. On XX/XX/2022, I was informed [ by phone ] by XXXX people identifying themselves as " XXXX  XXXX XXXX '', that my personal info was stolen, and that someone attempted to siphon monies from my Chase  acct using XXXX. To " reverse '' this theft, I was advised to add " Payment Cancellation '' to my Receipt list on XXXX, and then " send '' {$380.00} in order to cancel the payment ( pls note-the scam was ALOT more sophisticated than what I'm able to describe here ). By the time I did realize it was a scam, I " XXXX  '' {$380.00} to a PERSON named, " XXXX XXXX ''. What's important here, is that a bank ALLOWED someone to open an acct with the name " XXXX XXXX ''. I was later told by a XXXX rep that this was a common problem of theirs, and, whoever opened the account, quickly closed it after withdrawing my funds. But I was informed by XXXX  XXXX that, since Chase is my bank, it is they who are responsible, and not XXXX  XXXX XXXX. Nevertheless, to date Chase has refused to accept ANY responsibility. 

Please see further info, below : XXXX XXXX Chase  Claim # XXXX XXXX  Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # 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 an account without my written instruction.

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 2023-01-26 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: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # 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 an account without my written instruction.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I have an unauthorized withdraw from my company checking account for the amount of {$4000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} ( But ONLY this amount was returned on the following date, XX/XX/XXXX. 
Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} I called Chase bank many times, but they haven't been able to help me or return any of these funds!! The only funds that I received back was on XX/XX/XXXX for the amount of {$1300.00} All the other unauthorized withdrawals for the total amount of {$10000.00} are still out of my account. I need this amount to be returned into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This number or company from what I understand to be a debt collector Ally has been calling me repeated times since XXXX. 

Today and yesterday Ive been called 3 times & I have been telling them since XXXX to please remove my phone number as they have the wrong person. They are looking for a XXXXXXXX XXXX XXXXXXXX. Theyve assured me that it would be removed but still keep getting the calls. I have asked to speak with a supervisor but will not be allowed to or hung up on.

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 2023-01-26 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: TX

Complaint narrative:
XXXX accordance with the fair credit reporting act 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 an account without my written instruction.

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 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: OK

Complaint narrative:
Continuously calls during weekdays, and have now resorted to calling my spouse and now my father-in-law. I have no debt to be collected with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
daughter paid for this card to help me pay doctor bills, she put {$420.00} on it at XXXX. They told her it would take a few days for the money to be loaded. I tried to use the card on XX/XX/XXXX and found there were no funds. On XX/XX/XXXX there was a charge to XXXX in arkansas for the full amount. I live in nevada, I did not authorize. Contacted XXXX on the internet and they said there was no charge to my card number. Contacted the number on the card and spoke to XXXX on XX/XX/XXXX at XXXX. I was told it would take 10 business days to resolve and to get my money back. I was given case Id and email of XXXX to find out how " investigation '' is going. I have emailed them 3 times, no response. Again I called the number on the card and spoke to XXXX who now tells me that is will take XXXX to XXXX for the " investigation '' to find out XXXX did not make the charge that i was able to find out in minutes. Something is definitely wrong with this. I am XXXX and I need this money for doctor bills. How can they just take my money like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( 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 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 explanation
Consumer complaint received 2023-01-26 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: IL

Complaint narrative:
" I XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : CAPITAL ONE AUTO FIN Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I received a copy of my consumer report from Chex systems stating that there is a credit inquiry from XXXX in the behalf of XXXX XXXX XX/XX/2020. On top it says viewed by others. Ive never gave written authorization / permission for this to be furnish on my consumer report. This is a violation of my privacy, to furnish something on my consumer report without my written authorization, as a consumer I have the right to privacy and XXXX systems violated that privacy by furnishing this inquiry without my authorization. 

XX/XX/2020 - inquirer XXXX on behalf of ally bank.

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 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was approved for HAF through state of Florida. 

Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. 

I have tried to contact them via email and via telephone ( 2+ hour wait on phone ) to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Do to my understanding it was false information on my credit report that XXXX XXXX an Experian credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft

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