vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: NJ

Complaint narrative:
I am writing to file a formal complaint against Experian for their repeated failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to Experian requesting an investigation into inaccurate items on my credit report. I also disputed incorrect personal information on my credit report during these correspondences. To aid Experian in verifying my identity and address, I ensured to include a copy of my photo ID, social security card, and a recent bill with my current address. 

These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing ample documentation to verify my identity and address, Experian still needs to acknowledge or act upon my disputes within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Experian 's repeated lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Experian to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I received a response back from Experian dated XX/XX/XXXX, and XX/XX/XXXX, stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Experian, along with Experians response as proof.

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 2024-03-13 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: MI

Complaint narrative:
Equifax wrongly reported XXXX XXXX accounts despite removal from XXXX, breaching FCRA. Despite evidence submitted thrice, Equifax verified inaccuracies, violating FCRA Section 611 ( a ) ( 5 ). This jeopardizes credit accuracy and violates consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was paying off the card and they put it through then illegally charged me the amount back on the bill. That bank is closing now. I have also been abducted in the US all my life almost so I dont think its far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: OK

Complaint narrative:
Dear Experian, I am writing to formally submit a complaint regarding the presence of inaccurate names on my credit report. The following names are listed erroneously, and I seek your prompt assistance in rectifying this matter : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I wish to bring to your attention that I have previously sent a dispute letter via mail outlining these inaccuracies and providing supporting documentation. As mandated by Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report.

Additionally, I have placed the supporting documents in the Consumer Financial Protection Bureau ( CFPB ) portal for your investigation. The FCRA Section 611 ( a ) ( 3 ) requires consumer reporting agencies to consider all relevant information submitted by the consumer during the reinvestigation process.

As outlined in FCRA Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies must conduct a reasonable reinvestigation within 30 days upon receiving a dispute notice. Failure to initiate an investigation within this timeframe may result in the automatic deletion of the disputed information. 

Enclosed with this letter is a copy of the supporting documentation sent via mail, further emphasizing my identity and the inaccuracies associated with the aforementioned names. I trust that this information, along with the documents in the CFPB portal, will expedite your investigation and ensure a swift resolution. 

I appreciate your attention to this matter and expect your prompt collaboration in rectifying these inaccuracies within the stipulated time frame.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX sued me back in XXXX. I agreed to a settlement prior to a judgment against me with XXXX XXXX XXXX XXXX. I made my payments. in XXXX I moved from Colorado to Florida. I tried to make my last few payments to XXXX XXXX and they told me that i they no longer were able to take my payments. spring forward XXXX  years. I am trying to make some repairs on my home. I apply for a loan. The judgment appears on my credit report and now I am not able to get a loan. My report says it is a judgement and it was never ruled a judgement by the courts in Colorado. In addition, I made all of my payments on time as directed by the settlement. XXXX XXXX stopped servicing my payments in XXXX. I never knew this was on my credit report as I did check all XXXX credit agencies periodically.. Now I have a judgment that should not be there and no way to figure anything out as XXXX XXXX is in Utah and has no information except that XXXX took everything back from them and now shows the full amount before payments and settlement agreement.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX sued me back in XXXX. I agreed to a settlement prior to a judgment against me with XXXX XXXX XXXX XXXX. I made my payments. in XXXX I moved from XXXX  to XXXX. I tried to make my last few payments to XXXX XXXX and they told me that i they no longer were able to take my payments. spring forward XXXX  years. I am trying to make some repairs on my home. I apply for a loan. The judgment appears on my credit report and now I am not able to get a loan. My report says it is a judgement and it was never ruled a judgement by the courts in XXXX. In addition, I made all of my payments on time as directed by the settlement. XXXX XXXX stopped servicing my payments in XXXX. I never knew this was on my credit report as I did check all XXXX credit agencies periodically.. Now I have a judgment that should not be there and no way to figure anything out as XXXX XXXX is in Utah and has no information except that XXXX took everything back from them and now shows the full amount before payments and settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX sued me back in XXXX. I agreed to a settlement prior to a judgment against me with XXXX XXXX XXXX XXXX. I made my payments. in XXXX I moved from XXXX XXXX XXXX. I tried to make my last few payments to XXXX XXXX and they told me that i they no longer were able to take my payments. spring forward XXXX  years. I am trying to make some repairs on my home. I apply for a loan. The judgment appears on my credit report and now I am not able to get a loan. My report says it is a judgement and it was never ruled a judgement by the courts in Colorado. In addition, I made all of my payments on time as directed by the settlement. XXXX XXXX stopped servicing my payments in XXXX. I never knew this was on my credit report as I did check all XXXX credit agencies periodically.. Now I have a judgment that should not be there and no way to figure anything out as XXXX XXXX is in Utah and has no information except that XXXX took everything back from them and now shows the full amount before payments and settlement agreement.

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 2024-03-13 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute Pursuant to 15 USC 1681n Dear XXXX, I am disputing inaccurate information on my credit report as provided by XXXX XXXX. This notice is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681n. 

I dispute the following inaccurate information : [ Clearly state the inaccurate information being disputed. ] I demand immediate investigation and correction of the disputed items as required by law. Failure to comply may result in civil liability under 15 USC 1681n. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. 

Sincerely,

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 2024-03-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( XXXX XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ), are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: AL

Complaint narrative:
I am not liable for this debt with any of the agency BELOW. They did not provide me the original contract as requested. Under 15 USC 1681 I am demanding that my credit report is corrected and all agencies below are remove from my credit report. I did not give written consent nor did I sign any contracts with either parties that have illegally sold nor purchased debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was transferring money from my personal banking acct at chase to my joint checking acct that I share with my wife. I accidentally clicked the wrong button and moved from the joint to the personal. That shouldn't of worked since the joint had no money, but nevertheless, the transaction went through and it then put in overdraft from a third account, our savings. The problem with all this is that there was absolutely no explanation of what happened and no accounts were ever updated in the balance so I could not acct for the money for several hours. With the money unaccounted for I tried contacting the bank for hours and could not get through for an answer. I filled out a form online and never heard back. They do not have a live chat. I eventually downloaded my entire bank history and created an XXXX document to find what my balance should be. I then resolved the problem after hours of work... but then I went to correct the very original problem and put money back into the joint account and the balance is wrong, or at least money is still unaccounted for. So now I am missing money and hours and hours of time because the bank refuses to a ) provide customer service b ) inform customers when overdraft fees are taken and how much was taken c ) has no safety from clicking a wrong button in the first place like " are you sure this is right? '' before the transaction goes through ( bc I would have seen my error ) and d ) doesn't update balances so you have no idea where all this money is going and coming from and it simply appears to have disappeared. This is absolutely ridiculous and I expect it to be fixed and for a full tracking of where my money went, where it is, what was taken out and if the right amount is in there now?. ty

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, a series of fraudulent charges occurred on my bank account. I was out of the country during this time and even provided my passport, itinerary/receipt of travel documentation, entry visa scan from my passport, etc as evidence of my whereabouts and how it would make it physically IMPOSSIBLE for me to have these sorts of charges. Discover bank is denying a series of these charges, yet provided credit for another charge in the SAME EXACT fraud case due to it being, " consistent with my spending. '' The thing is- I have provided proof that it is LITERALLY IMPOSSIBLE for me to even make these charges. They have claimed that I gave a verbal confirmation over the phone about these charges, yet unless I was mistaken about the charges that they were referencing, it is literally impossible for that to have been me since I was on a flight to XXXX and then from XXXX to XXXX. Regardless of any sort of conversation that may have happened over the phone, where it is a possibility that I may have been mistaken about what was being referenced in the call, it was literally impossible for me to be in California to be making those charges at that time. I even provided a statement signed and dated by myself saying I did not make those charges nor did I approve anybody else to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I initiated a transaction using my financial institution 's web portal XXXX XXXX XXXX XXXX XXXX ) to pay off my XXXXXXXX XXXX issued Bank of Hawaii XXXXXXXX XXXX XXXX credit card bill. 
I inadvertently selected the incorrect 'from ' account, and the transfer could not take place due to insufficient funds. 
A few days later, on XX/XX/XXXX, I was charged {$29.00} separately by both the bank and the credit card company ; paying nearly {$60.00} for a very simple error on my part which in no way could have generated a similar loss or cost for those institutions. My account is not overdue, late or otherwise compromised, and I always pay it off in entirety each month. 

I called both my bank and XXXX, explained that their costs to attempt the ACH could not have been {$29.00} and requested a refund, a request they both declined. 

I feel as if this fee is malicious, petty and unnecessarily high. 

To make matters worse, their customer service centers each put me on several long phone holds and wasted over an hour of my time when I called to attempt resolution. My time is valuable, and this additional cost of my time is not trivial.

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