vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: NJ

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: AR

Complaint narrative:
I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the continuous presence of fraudulent items on my credit report, despite my persistent efforts to rectify this issue. The repeated lack of resolution has had a profound impact on my financial stability and has caused considerable distress. 

The fraudulent items, associated with account, were first reported to your agency. Since then, I have diligently followed your established procedures for disputing fraudulent activity, providing all necessary documentation, including police reports, affidavits, and supporting evidence to demonstrate the fraudulent nature of these entries. 

Despite my numerous attempts to rectify this situation, each met with cooperation on my part and compliance with your agency 's requirements, the fraudulent items persist on my credit report. I have made multiple submissions and engaged in numerous communications with your agency, yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken immediately : A comprehensive and thorough reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my numerous attempts to rectify the situation, is both frustrating and damaging to my financial standing. 

Failure to address this matter within the exact timeframe from the date of this letter XXXX leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: AR

Complaint narrative:
I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the continuous presence of fraudulent items on my credit report, despite my persistent efforts to rectify this issue. The repeated lack of resolution has had a profound impact on my financial stability and has caused considerable distress. 

The fraudulent items, associated with account, were first reported to your agency. Since then, I have diligently followed your established procedures for disputing fraudulent activity, providing all necessary documentation, including police reports, affidavits, and supporting evidence to demonstrate the fraudulent nature of these entries. 

Despite my numerous attempts to rectify this situation, each met with cooperation on my part and compliance with your agency 's requirements, the fraudulent items persist on my credit report. I have made multiple submissions and engaged in numerous communications with your agency, yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken immediately : A comprehensive and thorough reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my numerous attempts to rectify the situation, is both frustrating and damaging to my financial standing. 

Failure to address this matter within the exact timeframe from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities.

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: AL

Complaint narrative:
To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

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 2024-01-22 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: Experian Information Solutions Inc.

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: Total Card, Inc.
State: FL

Complaint narrative:
This company removed too late fees. They even gave me the refund for them and they never updated them and I have proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-01-22 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: IL

Complaint narrative:
In XXXX of XXXX I paid my XXXX income taxes with my Southwest Airlines Chase Credit Card. The payment for {$1800.00} was rejected by the IRS. I was credited {$320.00}. I was unaware that the remaining {$1500.00} was unpaid/rejected by the IRS until I contacted the IRS with a question about a different topic. 

I paid my Southwest bill as agreed for this charge, unaware that my payment hadn't gone through. I received a late charge from the IRS for over a hundred dollars not including the {$50.00} fee required to pay taxes with a credit card. I provided a letter to Chase/Southwest directly from the IRS with very specific information indicating the total charge of {$1800.00} was never processed. 

Each time I contact the credit card company a have basically gotten one of the three following responses that are not applicable ( or don't make sense ) : 1. Dispute exceeds dispute time limit, ( My intention was never to dispute the charge. The IRS rejected it ).

2. " We never touched the money ''. ( Not understood/applicable ) 3. " You need to submit clear information in another dispute ''. ( This was done by me as well as a rep from my local Chase bank. Nothing exists that is more clear than the letter I provided from the IRS )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
This company removed too late fees. They even gave me the refund for them and they never updated them and I have proof of that.

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 2024-01-22 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: FL

Complaint narrative:
This company removed too late fees. They even gave me the refund for them and they never updated them and I have proof of that.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been using Bank of America credit card for more than 5 years and I am not able to setup autopay for my credit card using Bank of America checking account. I reached out to them a couple of times to fix this issue as due to this issue I missed to pay my XX/XX/2023 bill and had to pay late charges as well as the interest. 
On XX/XX/2023 when I called the customer care, initially they sent me a document with steps to setup autopay to follow but some of steps mentioned there were not in my profile. Next time when they checked through screen share and found autopay option is not available, the operator reached out to her supervisor and later setup one time payment by mentioning this is the autopay. As it was one time payment it worked for a month but for the next month again when it did not work I reached out to customer care telling the whole story and at the end they mentioned you might have tried to setup autopay through billpay with some other bank due to which this option is not available in Bank Of America site even though autopay was not setup for my Bank of America credit card through any 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 monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have credit card with chase bank. 
I ordered for a firm foam with inner springs, on XXXX. 
One hour later I emailed to cancel the order because my room is XXXX too small The seller in XXXX refused to cancel the order. 
He shipped the order and XXXX delivered it on Saturday I didn't get the shipping label by charge I said I refuse the item FedEx delivered again the same item on XXXX  XXXX Looks like the XXXX driver did not like refuse the item. 
I put the mattress in my car and went to XXXX in XXXX XXXX XXXX XXXX  I slept in car to give the item personally to XXXX at XXXX XXXX when the open the store opens. 
They got the item on XXXX But they did not gave the credit back. 
In XXXX almost all sellers give free return charge. 
I told Chase Bank the owner of my credit card and they gave me {$110.00} credit But the bank didn't show me how to see the detailed transaction so from chase bank at XXXX at XXXX XXXX. I went to chase bank at XXXX XXXX XXXX, They showed me how to see the detail transaction The next day I went to Chase Bank on XXXX XXXX XXXX. 
The employee XXXX XXXX was very helpful I saw the XXXX seller has rebill me. 
XXXX XXXX talked with the chase bank phone number on the card because I am almost XXXX. He talked with the chase bank phone number on the card for me. 
He said they did not accept giving the second time. 
because they gave one time. 
The seller has his mattress, he won't give credit back and rebill me The Credit Card Company is supposed to help the consumer But Chase Bank refused. 
Also I returned a Folding Bed. But the seller charged for return label. 
The cost was {$53.00}. 
Chase Bank gave me credit for that. 
But later I saw another minus {$53.00} Maybe the seller has given me credit back. 
I told them to deduct extra {$53.00} from my transactions. 
They have not done so yet. 
Please help me. As you did two times before with Credit Card Companies.

I didn't know about online shopping. They are liers. crooks. 
The only way not to get trouble with online shopping is not to go online shopping which I am doing it now but late for those before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: LA

Complaint narrative:
I recently reviewed my Equifax credit report and noticed some items that should not be on there. I disputed the inaccurate information and everything came back verified. So I then contacted all the data furnishers and they provided me a letter regarding the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.

Complaint narrative:
My mother passed away XX/XX/23. I am the sole executor of her deceased estate. I rang the PNC Bank XX/XX/23 to find out what I needed to do to close her account and transfer the money to her deceased estate account with the XXXXXXXX XXXX XXXX  XXXX. They advised I needed to send them a letter, which I did on XX/XX/23. I registered the letter with XXXX XXXX. The PNC denied receiving the letter, So I tracked the letter with XXXX XXXX and was advised that it had been delivered. 

On XX/XX/23 I rang PNC again and was advised that I needed to resend the documents as they had not received them. The person I spoke to asked me to ring back in XXXX weeks to follow up. I did resend the documents the next day, XX/XX/23. 

On XX/XX/23 I rang to follow up and spoke to XXXX, a supervisor. She told me that the documents had not been received and that the Executive Client Relationship Team would be in touch with me within 24hrs. I never heard from them. 

I'm following up with XXXX XXXX about the delivery of the documents and should have an answer in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY.

Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, 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