vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-24 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Consumer credit Reporting Companies changed their policies after the XXXX Student loan crisis & after the Recession to assist those affected and as a result are committing Mass Class Action XXXX  to a huge group of consumers! ( senior citizens, to point out one of the groups ). They decided to only give people " partial reporting ''.. ( to hide student loan XXXX  ).. but for seniors they're now failing to report XXXX of their purchasing years. They are inaccurately & discriminatorily & dishonestly hiding XXXX XXXX of their HARD EARNED Most Impacted years of credit.. such as home purchases, boat & vehicle purchases. I financed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and yet my credit report says they have nothing to report. This is so criminal & dishonest! XXXX  some people so that the XXXX yr olds can hide their student loan XXXX. It is your XXXX  because there are numerous other solutions that would work for everyone.

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 2024-06-24 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NC

Complaint narrative:
I recently received a copy of my XXXX credit report and noticed Discover card is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Discover card and XXXX multiple times and XXXX tells me the information they are receiving is coming from Discover card and is XXXX XXXX accurate and Discover card tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently noticed an unknown transaction on my credit card and filed a claim online. Following this, I saw a chargeback on my account. When I reached out to Chase Bank to clarify how they confirmed the transaction, I was told that it was assumed I had my credit card when the charges occurred. I clearly stated in my claim that I did not have my card at that time. The representative I spoke to was very rude and insisted that I contact the company directly. This is impractical, as companies typically will not confirm any information to customers in such situations. The charges occurred out of state far from my home. 

Additionally, it is frustrating that while Chase frequently blocks legitimate charges when we attempt to use our card, they allowed these fraudulent charges to go through after we lost the card. I expect better treatment and support as a customer and hope this issue can be resolved promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Somebody called XXXX XXXX is using my credit and opened A lot of credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gravamen Asset Management Group LLC
State: TX

Complaint narrative:
In XXXX, someone I was the subject of identity theft at the consumer, XXXX. Someone used my name to purchase items in my name. The debt was forwarded to a debt collection agency, XXXX XXXX XXXX I disputed and it was removed from my credit report. XX/XX/XXXX, another Debt Collection Company, KESLER and WILLIAMS obviously bought and attached the same XXXX debt to my credit report. I submitted a dispute with XXXX to remove again but was informed that the debt was valid. I contacted Kessler and Williams and asked for a copy of the invoice. Upon receiving there were two glaring issues : 1. My name is spelled incorrectly. My name is XXXX, not XXXX  I would not submit for an account with the incorrect name. 
XXXX. There was a XXXX account that K & W says a couple of payments were taken out of. I did not have an account with XXXXXXXX XXXX so obviously there was fraud on that end as well back in XXXX. I use XXXX and XXXX XXXX XXXX XXXX as I am a XXXXXXXX  veteran. 

I submitted this information to Kessler and Williams and submitted another dispute with XXXX. 

I have attached three XXXX documents where this account was removed previously from my credit report. I also attached the Invoice fr4om XXXX showing my incorrect name and a bank account that is not mine. Obviously fraud on two levels.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : FRAUDULENT ACTIVE/OPEN ACCOUNTS : XXXX XXXX XXXX Account # : XXXX * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX * Account # : XXXX * Opened Date : XXXX, XXXX, XXXX XXXX. DEPT OF EDUCATIONXXXX * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX * Date Opened : XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX EVERYTHING DONE ON NEW FTC * Account # : XXXX * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX * Account Balance : {$1300.00} XXXX XXXX XXXX  * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX * Account # : XXXX * Opened Date : XXXX, XXXX XXXX FRAUDULENT HARD INQUIRIES XXXX. XXXX * Opened Date : XXXX, XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.

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 2024-06-24 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: CA

Complaint narrative:
For the last 6 months i have been trying to remove negative items off of my credit report.. the accounts attached are not reporting accurate and is a violation of 1681e ( b ) ( b ) .. after disputing i get hit with either stall letters OR being told that my accounts are verified and accurate but they are still reporting inaccurately.. 

When told to validate the verification under 1692g.. i continuously get the run around or not provided the information.. if this cant be provided then by law the accounts in question need to be deleted.. also the accounts that have been disputed have not been reflected on my credit report and it has been way past 30 days.. ( which is a violation of 1692e ( 8 ) )

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 2024-06-24 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:
For the last 6 months i have been trying to remove negative items off of my credit report.. the accounts attached are not reporting accurate and is a violation of 1681e ( b ) ( b ) .. after disputing i get hit with either stall letters OR being told that my accounts are verified and accurate but they are still reporting inaccurately.. 

When told to validate the verification under 1692g.. i continuously get the run around or not provided the information.. if this cant be provided then by law the accounts in question need to be deleted.. also the accounts that have been disputed have not been reflected on my credit report and it has been way past 30 days.. ( which is a violation of 1692e ( 8 ) )

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 2024-06-24 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: GA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.

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 2024-06-24 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-24 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was never aware any issues with XXXX or charges to my checking account. 
I dont rent cars. Verification that I was neither the renter nor a responsible party on the rental agreement ok contract.

I never authorized use of my card for this rental payment, Im not financially responsible for this rental through XXXX. 
Following my investigation, Ive found that M & T Bank issued a refund for this overcharge to my adult daughters separate account. 
XXXX frequently overcharges customers after rentals, especially during the pandemic, as my daughter is pursuing a lawsuit against XXXX for many fraudulent acts, unlawful actions, and violations. 
After M & T Bank issued my daughter the refund to this overcharge that she disputed and provided proof of, months later and by way of a deceptively surreptitious recharge using an expired old hold authorization, XXXX file to have M & T Bank reissue this money. 
My daughters separate checking account had been closed for months already. 
XXXX used an unlawful practice of using old gold authorizations and M & T Bank allowed XXXX undue unlawful overcharge to be kicked back to my separate account. 
I had no way of knowing this since I didnt use this account except for auto payments on my car loan for my personal vehicle. 
M & T Bank listed this as account abuse, but the fraudulent and abusive actions have been surreptitiously committed by XXXX and M & T Bank. Im not responsible for this. I only became aware of the wrongful and erroneous collections account posting defamatory and damaging claims of account abuse against me., after denial for a bank account that lead back to XXXX XXXX. 

I contacted XXXX XXXX three separate times, all of the times providing my ssn, license number, address, name, and uploaded my ID. XXXX XXXX outsources our calls to XXXX and the personnel told me no need for my American laws under the Fair Credit Reporting Act passed by XXXX, as I quoted 15 USC 1681, 1682, 1666, and 1692. I recorded all my calls and my witnesses listened to.

This needs to be immediate removed. This charge has absolutely nothing to do with me. Infact , M & T Bank in XXXX MD has been a nightmare and I closed out my accounts with them by refinancing elsewhere. I am filing this complaint with MD OAG, FTC as well and a lawsuit if necessary. My credit was an XXXX when I first dealt with M & T Bank. This action is very damaging to me and its baseless and spiteful. XXXX XXXX is is why I left M & T Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: MI

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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