vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and seen some unauthorized inquiries, transunion will not delete them.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Certified mail sent with information explaining the primary users responsibility per a divorce decree to close an account. It also states if he did not close it he would be solely responsible. I received a letter stating the information that I sent was insufficient. I called the number provided. They claimed they could not see the information sent and did not have anything to collaborate it was sent regarding the information placed on my credit report. The amount is for {$100.00} after I notified my ex husband, he then reported the unpaid amount as fraudulent. I mailed my information on XX/XX/XXXX. I received the letter that there was insufficient evidence on XX/XX/XXXX. The letter was dated for XX/XX/XXXX. 
I want this debt erased from my credit report. I informed them but they have not removed it or place my credit score to its original state.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN CREDIT BUREAU False Reporting of Credit Cards : Credit cards are all showing owed and not updated since a month ago going on and showing a high debt in which has Been paid off. 

Companies paid off : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX? XXXX XXXX are all paid off Experian has all credit cards showing owed in which there all paid off. 

My credit score went down do to paying off all my credit c cards by Experian and there is nothing but fraud going on with Experian in which I file a complaint with US attorney and the DOJ I have talk to XXXX XXXXXXXX XXXX  of filing a law suit on Experian for reducing credit scores and manipulated my credit in which paying off all credit cards. 

Experian needs to be investigated due to how they lower your score and rig with banks for money and predatory finance rigging of the financial consumer for higher rates and fees. 

There is mix use already of a woman 's name and mans name on my credit file causing mix use and lower score and incorrect information my credit file by Experian.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with Transunion. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time Transunion chose to keep the erroneous information on my credit report because the collection agency, XXXX XXXX, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from Transunion 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor XXXX XXXX ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

Transunion failed to conduct any meaningful investigation into the factual basis for the claims made by XXXX XXXX. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for Transunion to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with XXXX. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time XXXX chose to keep the erroneous information on my credit report because the collection agency, IC Systems, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from XXXX 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor IC Systems ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

XXXX failed to conduct any meaningful investigation into the factual basis for the claims made by IC Systems. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for XXXX to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from 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 explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My mom XXXX XXXX XXXX XXXX regularly sends money from her XXXX XXXX XXXX account to my Chase bank, {$6500.00} per transaction, to help fund my tuition. She sends it to the exact same account every time. It went smoothly for a year and half, and the final successful transfer was XX/XX/2023 ( can be seen from my Chase account ). She sent another one on XX/XX/2023, but it was never received. My mom contacted XXXX, and after a lengthy investigation process, XXXX got in touch with XXXX ( the intermediary ) and Chase. It turns out that CHASE for whatever reason, flagged an error on the transfer and CHASE proactively CHANGED the account number of the transfer. It was originally supposed to go to " XXXX '' ( my account ), and CHASE proactively changed it to " XXXX '', and deposited the funds into this WRONG person 's account. I went into a Chase branch in person and had the banker look into this. Banker found out that Chase did in fact deposit the money into XXXX, which is the WRONG person 's account. Banker tried calling various departments ( including Wire department and Claims department ) to correct CHASE 's mistake, and they all gave various reasons to why they can not give me my money even though they can see that I have been receiving funds from XXXX XXXX for a year and half, and this one transfer went to the wrong person. XXXXne of the reasons that Chase gave was that my account ( XXXX ) is now restricted to close, so they can not transfer the money into this account. I had ChasXXXX restrict my XXXX account and open me a new one about a week ago because my account information was compromised to a potential scammer. The new account ends in XXXX. Regardless, Chase made the error of proactively depositing my mom 's hard earned money into the wrong person 's account. I should be protected and get my money back. 

To summarize - my mom tried to transfer money from her bank account to my Chase account, using all the correct info and account numbers. Chase made a mistake, Chase proactively changed the recipient account number and deposited it into the wrong person 's account. Now that person has my {$6500.00}, and Chase is refusing to correct their mistake. I am struggling to make ends meet because of Chase 's mistake, and I am down {$6500.00}.

Please let me know if I can provide any more information to help aid this investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. ACCORDING TO FCRA RULES INFORMATION MUST BE BLOCKED WITHIN 4 DAYS. ITEMS ARE APPEARING ON MY CREDIT REPORT THAT I NEVER APPLIED FOR. IT IS THE DUTY OF CREDIT BUREAUS TO REPORT ACCURATE INFORMATION. THEY DELETE THE INACCURATE INFORMATION THEN ADD IT BACK ON. I HAVE BEING GOING BACK AND FORTH FOR MONTHS.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX. Account # XXXX 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. 15 U.S. Code 1681 to ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX. Account # XXXX 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. 15 U.S. Code 1681 to ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I have excellent credit and applied for a savings account at XXXX XXXX on XX/XX/2023. I was refused and told that ChexSystems was the credit reporting agency. 

Note : XXXXXXXX XXXX is an online bank, applications are done via a web form. The application would not accept my last name as correctly spelled XXXX. The apostrophe was not allowed. I used XXXX instead. 

When I used ChexSystems ' online request form to obtain my consumer disclosure on XX/XX/2023, after completing the form and submitting it, the web page went into an " endless spinning '' mode and never confirmed submission. 

Since the online request form was broken, I tried using the automated voice system provided by ChexSystems. Again, when having to say and spell my last name, the system was unable to understand what an apostrophe is and failed to be able to capture my last name correctly. I proceeded with using " XXXX '' instead. 

I am concerned that there are many thousands of customers of XXXX XXXX  that have apostrophes in their names, and that due to poorly designed automated systems used by banks and credit reporting agencies, consumers are being denied services. 

Further, because the name can not be accurately represented in their systems, I am concerned that ChexSystems is using error-prone name matching heuristics and inappropriately matching my ID to someone with poor credit. This may be happening to many thousands of people having ancestry/backgrounds that feature names that the designers of these computer systems have decided is not worth the effort to get right. 

We should hold these systems accountable for the highest quality and rigorous standards in software development -- they can and should be able to represent names containing apostrophes. The fact they can't is a leading indicator of poor practices and security vulnerabilities.

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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Creedence Resource Management keeps calling everyday sometimes 2 times a day to collect a debt for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't 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 explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from XXXX XXXX XXXX XXXX because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from XXXX XXXX XXXX XXXX because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.

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