vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: VA

Complaint narrative:
They lowered my FICO score for no reason. Nothing on my credit report changed.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These inquiries have no permissible purpose to be on my report : XXXX XXXX> XX/XX/XXXX >XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX >. Delete these inquiries due to violation of the 15 USC 1681 B.

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 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite numerous attempts, I have been unsuccessful in resolving the presence of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their inclusion has inflicted considerable mental and financial strain. As a victim of identity theft, I am left with no choice but to contemplate legal recourse if this matter remains unresolved. These erroneous and deceptive entries on my consumer report have impeded my aspirations to purchase my ideal home and provide for my family 's needs, significantly impacting my financial stability. For your reference, I have enclosed a copy of the letter previously dispatched to the Federal Trade Commission ( FTC ), delineating this issue and seeking its resolution.

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 2024-06-04 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: FL

Complaint narrative:
Despite numerous attempts, I have been unsuccessful in resolving the presence of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their inclusion has inflicted considerable mental and financial strain. As a victim of identity theft, I am left with no choice but to contemplate legal recourse if this matter remains unresolved. These erroneous and deceptive entries on my consumer report have impeded my aspirations to purchase my ideal home and provide for my family 's needs, significantly impacting my financial stability. For your reference, I have enclosed a copy of the letter previously dispatched to the Federal Trade Commission ( FTC ), delineating this issue and seeking its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Automotive Management Services, Inc.
State: NC

Complaint narrative:
Throughout my history with XXXX XXXX XXXX XXXX ( XXXX XXXX ) I have been manipulated, and humiliated. I have also had to deal with being bullied, harassment and verbal abuse so the fact that they now have stolen my car does not surprise me. 
On Monday XX/XX/XXXX, XXXX XXXX hired an unauthorized towing company, XXXX XXXX and XXXX XXXX. to unlawfully break into my private locked garage to repossess my XXXX XXXX XXXX. This alarmed me because I had been told by XXXX representatives that my loan was paid off and that I was paying late interest back, and my last payment was just made on XXXX XXXX. This encouraged me to take a look at my contract and receipts from XXXX XXXX. 
My contract with XXXX states that my last and finale payment with them should have been XXXX XXXX paying {$180.00} bi weekly, and the amount that I will have paid after I will have paid after I have made all payments as scheduled would be {$15000.00}, my contact also states that if payment is not received in full within 10 days after it is due, you will pay a late fee of {$15.00}. The late fee has always been applied to the account on the 11th day. 
With this information I contacted XXXX XXXX and spoke with XXXX XXXX, XXXX XXXX told me that my loan was not paid off because I had a 4 year loan and it was not suppose to be paid up until XX/XX/XXXX. I inform XXXX XXXX that my contract did not state that. XXXX XXXX then said that my car was repossessed because I was always late and that everyone in the office knew that I was always late. 
Looking at my receipts from XXXX XXXX I noticed that I never paid the {$180.00} XXXX XXXX stated in my contract I always paid more than what I was suppose to pay bi-weekly XXXX XXXX has committed fraud by taking my current balance and changing it to a past due balance to satisfy their allegations that my loan is not to be paid up til XXXX XXXX and telling me that the past due amount of {$4300.00} came from me being late all the time. 
As you can see on the receipts leading up to XXXX I was current, so that means all late fees that had been added to my account pior to has already taken care of. XXXX XXXX has repossessed my car off a fraudulent past due amount. According to my contract my XXXX XXXX  was rightfully mine. According to my receipts I have invested {$18000.00}, that's way more than my contract says I will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to highlight the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was sent a fake email pretending to be one of my suppliers regarding outstanding invoices. They asked me to make payment by ACH. I sent payment of {$19000.00} and found out that day it was fraud, so I called Chase Bank same day to reverse transaction. Two days later they told me they couldn't, I submitted a claim twice because it was submitted incorrectly but they said it was not fraud. I reached out to the receiving bank, XXXXXXXX XXXX XXXX  and they said they needed a letter from Chase Bank, but Chase Bank would not give me a letter to claim fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, 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 30 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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I would like to draw your attention to XX/XX/year> - I sent my complaint letter to XXXX, in which I clearly stated how this scam has affected me personally, psychologically, and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, XXXX never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/year>, I opened a bank account with Ally bank. I asked for {$5000.00} to be transferred to the account. I waited for the test deposits and started funding my account on XX/XX/XXXX. I saw that my account balance was at {$0.00}, so I set up a {$5000.00} transfer and for $ XXXX recurring transfer. Today ( XXXX ) I got a phone call letting me know that I had accidentally set up XXXX transfers, and that they could not stop the second transfer on their end. They told me that there has been an ongoing problem with double transfers because you dont get a notice that the first transfer has been approved. I asked what theyre doing about it. The first person I spoke to, XXXX, said she didnt know. The second person I spoke to, XXXX, said theres nothing they can do. He said its been a problem for at least 10 years. I asked why they arent informing customers that this is an ongoing problem, he said that I wasnt the first person to suggest that and that he would pass it along. I wonder if they leave the problem in place to intentionally make customers transfer more funds

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 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to highlight the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-04 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: FL

Complaint narrative:
I am writing to highlight the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-04 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: FL

Complaint narrative:
I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters concerning this matter over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly and efficiently.

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 2024-06-04 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: FL

Complaint narrative:
I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters concerning this matter over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly and efficiently.

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 2024-06-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation