vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I returned XXXX  earbuds to XXXX and received an email from XXXX that the XXXX was being refunded and the refund never showed up. I contacted Bank Of America spoke with a rep who gave me a claim number that ultimately was an erroneous number? I faxed the email from XXXX confirming the refund, and BOA Credit card people or dept have marked the claim " under research. '' Unbelievable. Its a legitimate credit card and XXXX has the merchandise in hand.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  loan servicer transfered my loans over to XXXX. Afterwards, I received XXXX  loan forgiveness. The issue is that XXXX is double reporting my XXXX  loans eventhough they no longer service my loans, even with the XXXX forgiveness. 

The loan amount shown on my credit report has almost doubled. It shows that the loans were forgiven and then added back to the original balance before the forgiveness. All XXXX balances should be closed/transfered and my balance should read almost $ XXXX instead of over XXXX. 

The XXXX, XXXX and XXXX websites reflect my transfers and correct balance, but are failing to correctly report it to the credit bureaus. XXXX says they were unaware of the reporting. 

Experian has tried to dispute it, but says XXXX has not made the correction. However, Experian left me an message saying that the information was updated, but yet the balance and XXXX still remains.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
You are reporting inaccurate information about this item on my credit report. Under FCRA I request you close all current and previous investigations regarding this item as well as remove all dispute comments associated with this item.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
During the months of XX/XX/XXXX and XX/XX/XXXX I submitted multiple disputes to Equifax and the other two major credit beaus to remove fraudulent items that appeared in my report. Equifax did indeed remove and block the following accounts from my credit profile and placed a fraud alert on my profile. 

XX/XX/XXXX Dispute via CFPB ( confirmation # XXXX ) - Removed XXXX XXXX XXXX Finance Account # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed the following. 
XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed XXXX XXXX  Account # XXXX I called on XX/XX/XXXX and spoke with a representative requesting a digital copy of the dispute results listed above in order to take care of some important business proving the fraudulent accounts were once there and removed. The representative informed me of his inability to send an electronic copy and advised he could send a hard copy through the mail. I agreed to receive the results via postal mail after being advised it would be processed the following day ( XX/XX/XXXX ). After speaking to two other representatives the next day ( XX/XX/XXXX ) along with a floor supervisor no one could confirm to that the letters were processed and on its way. Furthermore the supervisor informed me that the option to send the dispute results would be denied and there was nothing he could do for me. I previously asked if I can go to the office and pick up the documents and was informed I could during office hours. The supervisor was unable to confirm that I would be able to get the documents I requested at the walkup window in XXXX. Im a Florida resident and was willing to travel to XXXX, Ga in order to get the dispute results the clearly have on file. Every representative I spoke with was able to view and read the report to me. All I requested was a copy of that very report. 

I need written confirmation from Equifax that the above accounts were reporting on my profile and removed. I prefer this to be done electronically and quickly by XX/XX/XXXX. I can log in to myequifax account right now and download four dispute results but they aren't the ones I need. 

I expect a speedy response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2022 I am reporting a fraudulent inquiry found in 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 2024-03-05 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:
I spent a very long time Negotiating and getting my timeshare canceled. XXXX has agreed to cancel my timeshare however, my credit report does not reflect that. I specifically hand wrote a letter to Trans Union explaining this to them, and they sent me a template letter responding saying that they did not believe it was me. 

First of all I hand wrote the letter second of all, I signed the letter, third of all, I sent all of my information with the letter. They Found a way to avoid the law and not do what theyre supposed to do. They are supposed to be doing their due diligence and doing what it takes to remove the negative and erroneous items off of my credit report but instead they send me some template response that is full of XXXX. 

They want to call and do it online dispute why would I do it online dispute if Ive already taken my time to write a letter and dispute the situation. Why would I take my time and call and do a dispute if Ive already taken my time to write a letter and dispute the situation. 

They should do exactly what theyre supposed to be doing, which is validating the day and obtaining the documents that the debt is valid, which they can not. 


Continue to go above and beyond to betray the people and monopolize off of people and continue to post items. Continue to basically allow people to steal our identity. Continue to sell our information continue to rob us and I am sick and tired of them. 

At this point they are playing with my life and there are things that I am trying to achieve purchasing more real estate, and Im not able to do so because they continue to report erroneous items on my credit and they failed to even respond to my letters and I dont appreciate it. 

I am not working with the third-party. I am representing myself in this matter, and if that doesnt work, I will get a lawyer to represent myself in this matter but at this point, they need to be held accountable for all of the things that they are putting people through, the money they are costing people. 

Trans Union continues to disobey the law of the CFPB the FTC & the FCRA

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 2024-03-06 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: IL

Complaint narrative:
he personal data within these papers isn't mine

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
In XXXX of XXXX I reached out to ALLY Auto Finance letting them know that XXXX XXXX XXXX XXXX XXXX XXXX brought my car and I was no longer the owner of the XXXX XXXX XXXX with XXXX # XXXX in which was traded on XX/XX/XXXX. Ally Finance reported to XXXX, XXXX, And XXXX that I was XXXX days late on my payment in which this reporting is inaccurate, I have always been in " good standing '' with my auto loan with ally finance since buying the car and I want this reporting deleted and or updated to on time payments and " Paid as Agreed '' because it is not acturate please update this admittedly on 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 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I had owed money to XXXX XXXX. After a few years of owing then in 2020 I was contacted by a collection company who offered a settlement for XXXX. I dont remember the exact amount but it was XXXX or so. I paid the amount in full. Now I was contacted from another credit collections agency saying I owe XXXX XXXXXXXX the same debt. They are very persistent that owe them more money. The collection company is called Portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX  to previous agreement began to charge monthly account management fees every month starting XX/XX/XXXX until and including XXXX XXXX i complained to the bank XX/XX/XXXX by phone when i discovered the charges and it PARTIALLY refunded the fees, but still has not refunded {$180.00}, which they still owe.

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 2024-03-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft, my information was stolen and used to open several accounts, including chase, and XXXX. I was informed of the theft by my bank XXXX, monitoring my credit report. Thats when I found a Chase card for {$9800.00}, and a {$4000.00}, XXXX bill. I reported the identity theft to my local police department, and was given a case # for Mr to use informing the above companies, that I am in fact, a victim of identity theft. 

After a few months, XXXX sold the debt to XXXX XXXX, a company that buys bad debt, and then tries to collect the debt, using some questionable practices. I informed XXXX that this was happening, and they got XXXX to remove the derogatory item from my credit report. 

Unfortunately, chase bank services are another issue, after calling, and writing numerous letters, providing them with all the information I have, including the police report, with case number. They insist they account is verified, by virtue of Payment made in my name, unfortunately not by me, because i never received a bill, because i never opened the account, nor signed any documents from Chase accepting their terms, and conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: WI

Complaint narrative:
The personal data within these papers isn't mine

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 2024-03-05 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: GA

Complaint narrative:
The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXXXXXX 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 2024-03-06 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: IL

Complaint narrative:
On XX/XX/2024 I looked at my credit report to make sure that my payment history was exceptional and I noticed a lot of hard inquiries from all 3 bureaus on my report that I didnt authorize. So I called XXXX and to no avail I didnt get any help. 

How can I be assisted with this issue and I just want this to be deleted off of 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 2024-03-06 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: GA

Complaint narrative:
TransUnion is violating the FCRA pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have reviewed my credit report and have found several inaccuracies. Please delete the inaccurate accounts from my credit report. 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 2024-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX never gave EQUIFAX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX. XXXX has since removed this account. I have attached my last statement from XXXX to show the discrepancy. I will also attach the dispute letter sent on XX/XX/year> which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
The company is a debit card company, Chime. I receive direct deposit from my job via account with Chime. On XXXX XXXX made a transfer into the account of my landlord. The money was not received. XXXX XXXX I filed a transaction dispute for XXXX at Chime with proof of the transaction. I checked the dispute XXXX  days later to find it was denied. Calling to speak with a customer service representative for over XXXX minutes I was not given any explanation as to why my dispute was denied and sent links that were supposed to allow me to access and view the reason for the denial. The links proved to be useless and provided nothing near an explanation. Chime has repeatedly refuse to refund my money and will not attempt to recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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.

Company response to consumer: Closed with non-monetary relief