vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: WI

Complaint narrative:
I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my XXXX  credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXXnquiry Details : Creditor : XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX Main po box XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my Transunion credit file, I have identified the following unauthorized inquiries : 1. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.

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 2023-12-09 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: WI

Complaint narrative:
I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my Experian credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor XXXX XXXX XXXX  Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.

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 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi I did a claim they denied it within less then XXXX hrs I lost my card an it was charged for XXXX it was less then XXXX hrs an they denied it which is why I'm contacting you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX Complaint was put in and no response from Navy Federal Credit Union they has taken negative action without responding to the consumer complaints which is another violation. Company keeps changing names on responding to XXXX XXXX, when no such person exists. They are operating deceptively and causing injury. SEE COPYRIGHT this has been a XXXX sided relationship. I have received no benefit for the use of my name and information which is fraud. 

I asked that all following communications as required ( mandatory ) pursuant to 18 U.S. Code 1342- Fictitious name or address, as in my ( proper person name ) that identify me as a ( proper noun ) i.e. as a ( natural person ), and NOT a Fictitious entity. WARNING : 18 U.S. Code MAIL FRAUD!!! 18 U.S. Code 1342- Fictitious name or address Whoever, for the purpose of conducting, promoting or carrying on by means of the Postal Service, any scheme or device mentioned in section XXXX of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX  : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX XXXX XXXX Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
My student loans were in forbearance and in the same time period I received negative late payment errors on report. I reached out and they said it was resolved but these late payments are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: NY

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding inaccuracies on my credit report, specifically with TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. The details of the erroneous information and the necessary corrections are outlined below : The account listed as XXXX XXXX XXXX Opened : XX/XX/XXXX, XXXX : {$0.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$8000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00}, Original Creditor : XXXX XXXX XXXX ) is not mine. Please remove it 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 2023-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a credit card with care credit back in XX/XX/2023, to cover vet bills for my XXXX dogs. One of my dogs was/ is having serious health issues and I just didnt have the funds out of pocket so I opened the credit card. My balance is now XXXX. XX/XX/XXXX I made the first purchase at XXXX XXXX XXXX XXXX  for XXXX. XX/XX/XXXX I made a successful payment of XXXX to the account. XX/XX/XXXX I made a second purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. They have now cancelled my account because XXXX or maybe XXXX XXXX $ payments bounced. This is my first credit card account and I am XXXX XXXX XXXX. I am very upset that this happened because I have made multiple payments a month whenever I can and most of the time it is more than the minimum payment. And they have cancelled my entire account due to XXXX or XXXX bounced payments. It is ridiculous. Please help me reopen this account.

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 2023-12-09 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: CA

Complaint narrative:
Dear Equifax I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

THE BUREAUS : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

THE BUREAUS : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX  | XX/XX/XXXX  : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX | XX/XX/XXXX  : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXXXXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I attempted to use my {$100.00} Amex Gift Prepaid Gift Card on XXXX on XX/XX/XXXX on a purchase totaling {$99.00}. Unfortunately, the transaction failed due to the payment method being declined. Following XXXX 's suggestion, I contacted American Express on the same day. They assured me that there shouldn't be any issues with using Amex Gift Cards on the XXXX site and recommended trying to use less of the balance on the card. Subsequently, I made another attempt on XXXX with a {$90.00} purchase, but the payment method was declined once again. Despite trying multiple other online retailers and in-person purchases at various stores, I am unable to complete any transactions. I've also contacted American Express in an attempt to request a refund, but they have not been willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: AZ

Complaint narrative:
Dear TransUnion I sent a letter to the furnisher disputing the account listed below. I have not heard back from them, but they have verified find the account as accurate. 

XXXX : Account number : XXXX, XXXX code is inconsistent between XXXX. Fix or remove the payment status dates. 

XXXX : Account number : XXXX, XXXX code XXXX inconsistent between XXXX. Fix or remove the payment status dates. 

XXXX XXXX : Account number : XXXX, XXXX code is inconsistent between XXXX. Fix or remove the payment status dates. 

Can they do this? Verify an account without providing me with proof that they are reporting 100 % accurate? I will be sending all letters to my attorney for review to see if anyone violated the law. Know your company verified the above account. Send me all of the information you used to verify the above account so my attorney can review it for any violations. 

Please send ASAP, as 15 days should be enough time. 

I and my attorney await your response. 

Cc : FTC, CFPB

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My student loans were in forbearance and in the same time period I received negative late payment errors on report. I reached out and they said it was resolved but these late payments are still on my 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My student loans were in forbearance and in the same time period I received negative late payment errors on report. I reached out and they said it was resolved but these late payments are still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My student loans were in forbearance and in the same time period I received negative late payment errors on report. I reached out and they said it was resolved but these late payments are still on my 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 2023-12-09 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: GA

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX popped up on credit report as a collection account with a late payment. I do not and have never had an account with them. Also, I do not have any scheduled payments with them so how could they report a late payment. This fraudulent account and unfair practice is in direct violation of fcra. Please assist me with removing this fraudulent account from my credit profile.

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