vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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:
I have asked all three bureaus- XXXX XXXX Experian, and XXXX numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. Experian alone showed over 20 different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else.

5. I also located duplicate accounts with late payment histories from XXXX XXXX XXXX XXXX XXXX XXXX that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.

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 2024-06-02 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: MA

Complaint narrative:
On XXXX XXXX XXXX XXXX  I made a reservation with XXXX  for a hotel that cost XXXX and change for a four days stay in NJ. I NEVER received any reservations and I had called them but it turned out that XXXX wanted to still steal from me because they had asked me to get two gift cards with XXXX each and send to them in order to resolve the reservation issue and I then realized that they were trying to get my money again. 
I contacted chase credit card immediately and disputed the amount but chase told me that XXXX said that I didnt use the service and they had a non refundable policy. 
I asked my credit card company to please ask XXXXXXXX to send me the reservation email that was sent me upon booking the hotel. 
They have closed the dispute and I feel that they are siding more with XXXX on this issue and not considering their customer ( me ) in this case. I want the matter to be looked at and resolved immediately. 

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested proof of investigation for these reports on my credit history. Please help me with this issue. Thank you. Below I will list the dates of these accounts. The balance on them regarding my credit report is {XXXX but they still negatively report on my account. 

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I was going to send some money to a crypto forum and it showed that it was pending then I decided not too so I called Bank of America and spoke to a gentleman that worked for Bank of America and asked him if the transaction had went thru he said no it hasn't so I said ok great I do not authorize this transaction please cancel it I do not approve this transaction he said okay yea the money is still in ur account I said ok good please don't let that transaction go thru at all he even said don't worry it won't go thru and even said as a matter of fact I can block them I said yes please do that .and just made sure so it's still in. My account my funds he said yes don't worry about it I said okay no that's it ty..so few days later my money is not in my account I immediately called Bank of America and said what happened I didn't authorize this transaction I even called u guys to tell u that I didn't approve it and the guy I spoke Too even said that he blocked the merchant and the agent said yea I don't know it went thru she couldn't do anything they said to file a claim and I did and they denied my claim so I disputed the claim again and they denied me again I said I called and u guys said my money is in my account if I would of known that same day I would of transferred my money to a different account..exactly what I said that's how it happened I asked them for the phone call recordings and they didn't want to give me that so is there anything I can do I trusted them I trusted the agent took his word my money is in my account if I would of known it was going to go thru I would of gone to the bank right away to withdrawl my money .. so I lost those XXXX it was close to XXXX it was fraud .. that money was lended to me by my family I even got loans to get that much money and it was got done crypto I made doing some trading but turned out to be fraud.. Bank of America didn't give a XXXX and cus of that my family won't speak to me cus I lost there money and I'm in debt cus of it too I went into XXXX and am still going thru it

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 2024-06-02 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: PA

Complaint narrative:
The information on my credit report is incorrect and I advised the company to respond to my letters but they keep ignoring my request. Please update my credit report accordingly and delete the negative items.

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 2024-06-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: A.C.S. Companies, Inc. I
State: NJ

Complaint narrative:
Someone used my XXXXXXXX XXXX XXXX XXXX to do online purchases @ XXXX and XXXX XXXX purchases at XXXX in XXXX. I didnt allow anyone to use my card. I had my card in my possession. Also someone made a transaction at a store in my area manually impersonating to be me.It was more then what I uploaded at the XXXX XXXX XXXX. It was only the one at the XXXX XXXX on XX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : 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 explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, in a letter dated XX/XX/XXXX I received via US mail notice that our mortgage with XXXX XXXX  had been sold and transferred to Select Portfolio Servicing Inc effective XX/XX/XXXX. This means that we were not given the requisite 15 days notice of this transfer. Given our payment is already being transferred via autopay, we are unable to cancel payment tXXXX XXXX XXXX. I'm concerned that the company is already not respecting our rights with this blatant late notice of service transfer. I would like to ask for CFPB to evaluate if this transfer is legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : 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 explanation
Consumer complaint received 2024-06-02 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX  TX : 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 explanation
Consumer complaint received 2024-06-02 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX  TX : 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 2024-06-02 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX  TX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Ok I have and email that I'm getting about and acount that is name was change to the company I called PayPal holding to give me more information about the account but the only information that I could provide was the omb number becused that all I had omb numbers XXXX with PayPal holding and the only recent y I called I all so have a learning XXXX and I don't really comprehend everything i read so if I neglected any thing like and legal documented its becused off my XXXX but it don't mean to i ignore it but I don't know about the name change on the forms and now will give me no information all I know that pay pal change the document to there name so I would like to know more in ok I appreciate this very much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: 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. 

I have informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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 2024-06-02 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: 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. 

I have informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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
Consumer complaint received 2024-06-02 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. 
CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, 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 2024-06-02 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: DISCOVER BANK
State: TX

Complaint narrative:
I lost my Discover card at the XXXX XXXX XXXX on XX/XX/year> when I was travelling to XXXX. I didn't use the Discover card at all while I was on my trip to XXXX. I had flown back to my home in Texas on XX/XX/year>. When I turned my phone back on I received the email for my online bill from Discover and that is when I noticed those transactions done on the Discover card were not from me. My trip to XXXX was from XX/XX/year> and returned date was XX/XX/year>. I have charges on my Discover card from XX/XX/year> to XX/XX/year>. I had presented to Discover card evidence to show my flight boarding pass from XX/XX/year> to return date boarding pass XX/XX/year>. I had sent Discover card my passport with the XXXX stamp to show them I was in XXXX during that time frame and could not make those purchases. Discover failed to conduct a thorough investigation and resolved those dispute charges against me even though I had cleared evidence I was not in the U.S during the time of those charges done on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I first contacted the company on XX/XX/year> about a debit transaction being cancelled. On XX/XX/year> the company replied to me, saying there was an issue with their banking partners and that they were unable to do any ACH/Wire transfers, ATM withdrawals or use my debit card. They had no further information at that time. After a week, on XX/XX/year> I messaged the company asking if there was any update on the issue, and that I really need to access my money. The company replied informing me that there was nothing they can do until the issue between XXXX and XXXX XXXX  was resolved. It has been over 3 weeks since XXXX bank has froze everyones accounts without prior notice. I dont understand how anyone can live with their money being held up in an account they cant touch.

Company response to consumer: Closed with explanation