vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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
Consumer complaint received 2024-10-22 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-10-22 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: AZ

Complaint narrative:
My father passed and left me as beneficiary of his checking account through Chase bank branch in XXXX XXXX XXXX, AZ. I was called by the banker ( XXXX ) today ( XX/XX/year> ) to schedule an appointment to sign documents at which point I stated I want cash. XXXX advised me his supervisor ( XXXX who is the operations manager ) said the money would have to be in the form of a cashiers check. I responded with ok, I will take a cashiers check and take it to the teller window and cash it. XXXX puts me on hold briefly. He states I can't cash the check right away because the bank wont have the money to honor the check. XXXX the operations manager wants me to accept a cashiers but not be able to cash it. So Chase bank is ok with writing a felonious check that they know they can't honor. I told XXXX to have XXXX order the money so I can cash my check at the time I receive it. This is when I called CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-10-22 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: AL

Complaint narrative:
They sent an email without prior contact for me via phone to authorize contact via email about any debt

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX debt XXXX, which falls under XXXX XXXX according to XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX Bal. {$400.00} ; XXXX XXXX XXXX XXXX Bal. {$300.00} ; XXXX XXXX XXXX  Bal. {$11000.00} ; XXXX XXXX XXXX  Bal. {$180.00}

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE. 

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE REHABILITATION PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ).

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE XXXX AND XXXX DATA BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: DE

Complaint narrative:
I 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 charge. 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
In XXXX I was applying for Jobs.Then a company called XXXX XXXX XXXX XXXXXXXX XXXX XXXX was texting me to join.A first I was having a feeling this Company was a Joke/Scam because they was telling me stuff that didnt sound TRUE.Then I gave it a Chance and didnt know that they were going to effect my Credit knowing I didnt have any money at all.I tried it out and was an Appointment Setter for a Month then realized they werent going to pay me.Then they kept telling me they were going to pay me basically to stall and was my time of reporting them which helped because 50 days later I tried to report them then Affirm told me I was to late and its on Me to pay them.I kept trying to tell Affirm that Scaling with Salers I was expecting to get my money but they never ever paid me for my Service and Loan.So basically to make long story short I was expecting to make money to repay my loan and better my life but I never did after a month-5 months now.Now Im struggling to get it off my account because the company is saying Im responsible knowing Honestly I never borrowed a loan as big as $ XXXXIm just having trouble solving the problem because 1 IF I know they were SCAMS which they are I wouldnt even talked to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
I submitted a XXXX XXXX dispute. I am a victim of XXXX. The adverse information, which appears on my credit report, is the result of that XXXX. I asked XXXX to please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX did not block or remove the adverse information. I submitted all required documents.

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 2024-10-22 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

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 2024-10-22 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: IL

Complaint narrative:
I couldnt believe it when I saw inaccurate accounts on my credit report today, and I cant figure out why theyre there. I check my report frequently, and everything was fine until now. Even refreshing the browser didnt help. Im asking for my documents to be carefully reviewed so I dont have to live with this kind of XXXX  anymore.

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 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I bank wired {$XXXX} from an account at XXXX. 

XXXX received the money rapidly but refused to process the wire transfer for several days. This was a huge red flag so I decided I did not want to conduct any business with them and simply just wanted my {$XXXX} back. 

Per their instructions I had to add a bank account in order to enable transfers. 

On XX/XX/year> I entered my XXXX XXXX  XXXX account information into their app and confirmed the information through their app using their verification service XXXX. 

As of XX/XX/year> the checking account is still showing as " processing '' and all requests to the support team to confirm the account, or provide more information about the delay have been met with unhelpfulness. They ask vague questions like bank name, last XXXX digits of the account, etc... even though they already have this information. I have provided it to them again but still nothing happens. 

I just simply want XXXX to send me my {$XXXX} back or enable my checking account so I can transfer this money back out of their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
I sent Equifax a letter to dispute a bankruptcy on my credit report and they said they verified the item with the court and XXXX. I contacted the court and XXXX, The court letter is enclosed ( I contacted Equifax today and spoke to XXXX XX/XX/year>24 and he said that this court letter is not enough ) I contacted XXXX and they dont have a record on that bankruptcy, and Equifax told me they got the information from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX of XXXX I opened a business checking account with Bank of America at my local branch, which has since permanently closed. I was informed about an offer where if I maintained an account balance for the first 90 days of {$30000.00} I would receive a credit of {$1000.00}. I never received this offer, despite moving money out of a high yield savings account at an outside bank and maintaining the balance for over 90 days. When I called to inquire about this I was told that the banker never enrolled me in the incentive. I felt this was unfair to me since I lost out on interest earned by moving the money, and I complied with the terms on my end. They " opened a case '' and I was told that I would have to call the customer service back after XXXX days to find out the resolution. When I called back, I was told it was rejected due to the requirement of " new money ''. Since I moved money from an outside bank, this didn't make any sense to me. This appears to be a violation of Regulation DD and when I stated that to the supervisor, she disagreed. They know what offers they were running at the time of the account opening, and they can look at my account history. This feels like a bait and switch.

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
Consumer complaint received 2024-10-22 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: DE

Complaint narrative:
I 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 charge. 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I attempted to finance a car. The XXXX XXXX with which I qualified for a loan attempted to perform a banking background check with ChexSytems. ChexSystems has a freeze on my account. I called ChexSytems on XX/XX/year> to request a pin in order to unfreeze my account. After XXXX weeks of not receiving a new pin, I called ChexSystems again to verify that they had mailed a pin. The customer service agent lied and told me that the new pin was mailed on XX/XX/year>. XXXX week later, or XXXX weeks after I called them initially, I received a new pin. That pin is now invalid. The customer service agent I spoke with second ( on XX/XX/year> ) invalidated my first pin and issued me yet another new pin. 

Today, on XX/XX/year>, I finally received the FIRST pin that was issued to me, but am unable to unfreeze my account due to the customer service representative issuing me a new pin on the 18th. First Class US Mail does not take 3 weeks mail one letter from XXXX, Minnesota to my Midwestern major city a mere XXXX hours away by car. I am unable to move forward with my auto loan, that will soon expire unless I am able to resolve this situation with ChexSystem 's freeze.

While waiting for my pin to arrive, it was necessary for me to rent a car on a weekly basis, at my own expense ( {$800.00} so far ) because of ChexSystem 's antiquated and ineffective system. The main 3 consumer credit reporting agencies have no problems with account holders utilizing techniques to freeze and unfreeze their own personal information without relying on snail-mailed pin numbers that never arrive. ChexStystems should be held accountable for their ineptitude and customer service that is so abhorrent, it is beyond the pale.

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 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint # 1 : These companies have NOT been authorized to pull my credit and I demand removal : XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX Complaint # 2 : TransUnion has been requested since XXXX to remove the public records below 1-public record that Does Not belong to me and it was a same-name mixed file from another consumer with the same last name. 
XXXX XXXX XXXX Record type XXXX XXXX bankruptcy XXXX Original filing date XXXX XXXX, XXXX Complaint # 3 : XXXX Charge Off for {$120.00} from XX/XX/XXXX Do not belong to me Complaint # 4 : XXXX Late payment history Do Not belong to me Complaint # 5 XXXX  Charge Off {$9900.00} Do Not belong to 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