vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I paid the original creditor and on my credit report it is showing that there is still a balance for this account. Since I already paid the creditor I would like this to reflect correctly on my credit profile. Please delete this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NC

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
XXXX. XXXX XXXX XXXX has for long attempted to collect on a debt not owed by way of their communication tactics. It has been awhile since I have communicated with them at this point. However they are reporting and furnishing information to my consumer report.

2. They are collecting some alleged debt for XXXX XXXX XXXX XXXX and are stating that I owe some sort of legal obligation to them to pay this debt.

3. I never agreed to any irrevocable obligation to an artificial entity that would cost me my labor for free or any irreparable harm inflicted on my reputation.

4. I have no personal connection or relationship with this collection agency other than their furnishing of this negative information.

5. As a mistake and to my confusion I mistakenly made a payment towards the account because I did not know my protections under the FCRA, FDCPA, Gramm Leech Bliley Act. Whereas I have rights that are geared to protect from from abusive debt collection practices that affect interstate commerce and invade my individual privacy. 

6. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and the consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately.

8. Any and all security interest whether it be verbal, non-verbal, written, implied or otherwise is revoked and terminated effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: NV

Complaint narrative:
this for transunion i am a victim of identy theft and all accts and negeitve remarks need to be blocked and then deleted.

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 2023-12-07 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution. 

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being. 

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile. 

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future. 

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX checks into my business checking, prior to depositing these fund I had approx. XXXX in the account. I totally understood that there would be a hold on the deposited funds until XXXX. The following day I tried using my debit card for material to complete a job, the card was declined. Upon further research I realized all my funds were frozen and I had no access to any of my fund that was there prior to the said deposit made on XX/XX/XXXX. I've contacted Capital One on several occasion to clear up this matter only to be told that someone would be in contact with me. The funds deposited were from a client and was directed for payment to my sub-contractors as of todays date XX/XX/XXXX, I still haven't received any information requested from Capital One. I have h sub-contractors looking for there payment for work that was complete. XXXXXXXX XXXX  the financial institute where the checks were drawn from even tried reaching out to Capital One to verify checks and funds. Capital One actions has put a stop to the day to day operations of my business, along with fracturing my working relationship with long time sub-contractors by not releasing any information nor funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: AL

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 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 2023-12-07 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made a reservation at XXXX XXXX XXXX ( confirmation # XXXX ) redeeming a " Free Night Award '' obtained through the Chase XXXX XXXX XXXX credit card. Reservation confirmation showed the " XXXX XXXX '' fee rate and my XXXX profile correctly showed the award redemption. On XX/XX/XXXX, at check-in, the hotel clerk confirmed the night was paid, but on XX/XX/XXXX, at check-out, they were asking for a payment of {$230.00} for the night. 

I tried to clarify and showed the " free night '' booking, and called the XXXX Customer Service in the US that agreed with me and they discussed with the hotel, but unfortunately the hotel clerk didn't change his position and insisted their systems showed the night wasn't free and needed to be paid. After 30 minutes discussing about it, I was risking losing a flight and was delaying the group of people I traveled with, so I decided to pay, trusting I would be able to clarify and solve the situation with Chase Bank ( issuer of the credit card with which I obtained the Free Night, same card that I used to pay the {$230.00} ) or XXXX XXXX. 

Back at home, I called Chase and they asked me to resolve this matter with XXXX. XXXX customer service agreed with me and opened the case XXXX, but they said that unfortunately they do not have any way to force the hotel to reimburse the night. I disputed the transaction with Chase but even after providing all the documentation, and disputing their first resolution, they still validated the charge with no explanation of why. Night award used shows as " redeemed ''. 

I am very disappointed with Chase that the credit card award program they promote, and for which I pay an annual fee, is subject to the fulfillment to XXXX hotels, and theres nothing they do if hotels do not comply with the program terms. Chase unfulfilled the terms of its XXXXXXXX XXXX XXXXXXXX credit card award program they advertise in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-07 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: NJ

Complaint narrative:
Today, I received two letters from Equifax sent on XX/XX/XXXX, which asked me to send personal information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: NY

Complaint narrative:
Hi I open the account with coinbase wallet then i opened Trust Wallet and transfer funds from coinbase to Trust wallet around {$98000.00}. Then through trust wallet i browse XXXX XXXX XXXX XXXX XXXX XXXXXXXX And invest here then after 3 days someone hacked my all funds. I complaint with local enforcement and noone response yet. Please help to recover from Trust wallet. Because this money is like my life i am broken. 
My name XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
Experian is willingly, wrongfully and continuously, reporting non-accurate information on my consumer report. XXXX XXXX Date XX/XX/2019. Experian can not, and has not provided any documentation to validate that investigation was done pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

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 2023-12-07 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: NJ

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 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 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My car was Stolen by Chase ON XX/XX/23 and I contacted them to request the vehicle to be returned back to me same day. I am the rightful owner of the car, I provided Chase with my proof of ownership original title that shows me as the only owner of my vehicle which is VIN Number XXXX MY TITLE 15 RIGHTS IS BEING VIOLATED AS A CONSUMER I SPOKE WITH SEVERAL PEOPLE FROM CHASE AND MY CAR STILL HAVENT BEEN RETURNED I DO NOT HAVE AN ACCOUNT WITH CHASE NOR DO I HAVE A AUTO LOAN, MY CAR SHOULDN'T HAVE NEVER BEEN TAKEN BY A TOW TRUCK, ANY DAMAGE CHASE WILL BE RESPONSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 non-monetary relief
Consumer complaint received 2023-12-07 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: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 non-monetary relief
Consumer complaint received 2023-12-07 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: PA

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 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