vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX, NJ, XXXX EMPLOYER - 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I spoke to Amazon on XX/XX/XXXX and XX/XX/XXXX and they confirmed that they issued a refund for {$960.00} on XX/XX/XXXX. They stated that Chase accepted the funds and there was nothing else Amazon could do. 

I have not received this refund for {$960.00} as of XX/XX/XXXX. I opened 3 disputes with Chase and they have not credited me nor have they responded regarding what happened to my refund from Amazon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
Last month i submitted my fraud affidavit to the cfpb and it wasnt processed for whatever reason. Why are you doing this to me? I have been a victim of fraud and your just ignoring me.

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 2024-04-04 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: IL

Complaint narrative:
I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account XXXX XXXX XXXX XXXX is not only listed as being OPEN, but also as having a PAST DUE balance of XXXX on TWO accounts .This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards. 
According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all METRO2 reporting standards and this account removed upon completion.

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 2024-04-04 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: AZ

Complaint narrative:
The following collections : XXXX XXXX XXXX {$4400.00}, XXXX XXXX XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX : {$2500.00} have Violated my Rights. 

Violation privacy and confidentiality under XXXX5 USC 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-04-04 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) KOHLS/CAPONE AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquirys by companies that I do not authorize. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. Please note that I am reserving the right to take civil action if necessary. 
Please delete the following inquiries off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
a lawsuit filed by XXXX XXXX. Gurstel Law Firm. CA debpt collector license # XXXX address ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This lawsuit concerns charges amounting to {$25000.00}, which were incurred after my XXXX card was stolen during the aforementioned robbery at the landlord 's premises. These charges are unauthorized, and I have reported the theft to both the police and XXXX. Despite my status as a secondary user on the credit card, which was applied under a corporation 's tax ID, I find myself unjustly targeted in this lawsuit. 
I have taken steps to address the XXXX issue, including filing a report with the Consumer Financial Protection Bureau regarding this fraudulent activity. However, given the legal complexities, I require professional guidance to navigate and resolve these matters effectively. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been trying to get an accurate credit report from all three credit bureaus. XXXX was not a problem but Experian was not recording or reporting my mortgage payments from my mortgage holder ( XXXX XXXXXXXX XXXX ). I was told by Experian that I had to contact XXXX XXXX XXXX  and tell them that they were not sending out the information to the credit bureaus. XXXX XXXX XXXX opened an investigation and reported back to me that they checked and verified that they have and are currently reporting to all three credit bureaus. I contacted Experian to report this and Experian insists that the problem is with XXXX XXXX XXXX and refuses to correct the matter. i opened an complaint with Experian and they assigned case number XXXX to the complaint. I have a certified letter from XXXX XXXX XXXX stating that they verified my credit information is being reported correctly and to all three credit bureaus. 

If your agency can help it would be greatly appreciated because this matter is greatly affecting my ability to get any credit. At his time we are in great need to get a loan due to medical problems. Thank you for your help, 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 2024-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A few inquiries placed on my credit report, was directed to deal with it directly with the credit bureau. I've filed police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
A few inquiries placed on my credit report, was directed to deal with it directly with the credit bureau. I've filed police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Certain listed entries exhibit inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-04 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: IL

Complaint narrative:
I have sent in several disputes for years and TransUnion investigation took more than 30 days and the problem has not been resolved. I sent in my FTC report and Police report and my affidavit stating the inaccurate accounts do not belong to and nothing has been resolved, on XX/XX/XXXX I sent in documents and the company say they never received them, on XX/XX/XXXX I sent in I documents and the company stated they never received, on XX/XX/XXXX I sent in documents and they say they never received, on XX/XX/XXXX I sent in documents notarized and certified mail of what the company stated they needed from me, today XX/XX/XXXX i was informed the investigation is going to take 30 days, the company been telling me the same thing for months and years and i never received any thing back regarding the investigation. this has been an ongoing issue with TransUnion and they are not updating my credit file as it should be. I received an investigation email with a document attached stating the inquiries was deleted and they still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/24 around XXXX I, XXXX XXXX XXXX deposited XXXX $ into the drive through chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. Once I fed the ATM all the cash, I received an error message and a receipt prompting me to call customer service to ensure my deposit was processed. I called the same night and was told by a representative to file a claim through a separate corporate number in the morning. I then filed a claim at XXXXXXXX XXXX on XX/XX/24 as was instructed. I was then told to wait for the claim to be processed, approximately 2 hours to 2 business days. I called the next business day ( XX/XX/24 ) around XXXX to check the status of my claim. I was told the claim was denied due to insufficient evidence of my deposit. I asked to be escalated to a manager who then instructed me to go to the branch, as previously stated above, and request video surveillance footage along with a police report. I did so promptly after getting off the phone and spoke to the branch manager. The police were unable to get the footage due to it being a civil matter. The branch manager proceeded to file an escalated claim and now I wait 3-5 business days to determine wether I will receive my funds or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See attached.

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