vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Millco Management
State: NC

Complaint narrative:
I am not associated the address in file that attached to my credit report and my name is incorrectly spelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase sent me a credit card I did not ask for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted XXXX regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft XXXX gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted XXXX regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft XXXX gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I was the victim of a blackmailing  attack on XXXX from an account under the name XXXX. This individual had compromising photos of me and demanded payment so that the photos would not be distributed on XXXX to my peers ( Im a high school student ). After all was said and done, I ended up sending {$1000.00} dollars to the scammer, with some of the transactions pending for around XXXX hours time before completing. Unfortunately, when I attempted to call the fraud department at Chase Bank less than an hour after the payments were initiated, I was informed the department was closed. The next day, my bank was able to stop one XXXX charge of {$100.00} after I went to a local Chase branch for assistance. The charges on XXXX totaling {$900.00} were still sent through. 

The first {$400.00} on XXXX went through quickly, but the other {$500.00} was pending for over a day. When I went to the bank branch in person, they opened a case and said they would see if they could cancel the payment. However, the payments went through and were never cancelled, it appears to me that the bank did not move quickly enough to cancel the charges. 

When I called the bank recently to ask why they did not cancel the pending charges, a customer service representative said that they could not cancel the charges since the money had already been sent. However, given that the charges were pending both on my chase bank app and XXXX XXXX, its evident that this was not the case. I was hoping to get reimbursed by my bank since the banks fraud department did not take my call initially and since the bank did not move quickly enough to cancel the charges when they opened their investigation the following day. Additionally, in general, I find it quite strange that XXXX does not have the same measures in place as XXXX for example. With XXXX, I was able to get my money back since they have safety measures in place to prevent scammers from stealing money in situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached documents to understand what had happened.I 'm so stress XXXX  XXXX XXXX that I couldn't even eat/sleep properly because of what is happening to my credit report, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must delete the items identified as NOT MINE in a way that is fair and equitable to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is reporting a account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over 30 days. Transunion is also reporting a account name XXXX  XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them 30 days ago.

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account with US Bank XXXX XXXX XXXX Branch ) on XX/XX/2023 and deposited {$25.00} via debit card as required to open a checking account. On the following Friday ( XX/XX/2023 ), I deposited a physical check via bank teller at the US XXXX XXXX Branch. The check amounted to {$2300.00} from the XXXXXXXX XXXX XXXXXXXX XXXX ( My employer ). I was told by the teller that the check would be held till Tuesday ( XX/XX/2023 ) but the {$220.00} of that would be available now. I withdrew {$200.00} and continued about my day. Fast forward to today ( XX/XX/2023 ) I can see through online banking that my balance is available and I go to the bank to withdraw {$600.00}. The bank teller then proceeds to tell me that my account is frozen and pending for cancellation via the risk department. He then suggests I call customer service to speak to the risk department. I call customer service and they tell me that the risk department does not speak to customers and try speaking with the branch manager. I then call the branch and the manager tells me that she can see the issue with my account and my account did clear but she doesn't see why they would close the account. In addition, she said there is nothing she can do but look at the check and review if everything is accurate. Other than that she is unable to do anything. I'm at a lost of what to do. I unfortunately have no other income and am not sure when I will be able to retrieve the funds. No one at US bank seems to be able to help.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX  - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - ( XXXX ) XX/XX/XXXX I am submitting a complaint on the inquiries I have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - ( XXXX ) XX/XX/XXXX I am submitting a complaint on the inquiries XXXX have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX and Credit Control LLC is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yes it shows on my credit report that I have 2 60+ days of late payments and 2 30+ days of late payments, I shouldnt have any late payment history reported on my credit, can this be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2023 I called XXXX XXXX  to dispute information that was reporting incorrectly on my credit report. I was transferred to the Credit Reporting Department with XXXX XXXX  and was told that " your account has been purged and is no longer in our system ''. I then asked if she could at least pull up my payment history on the account and she said, " No, I can't pull up anything about you in our system because your account has been purged from our system ''. 

On that same date, following the call with XXXX XXXX, I filed Credit Disputes with Transunion and XXXX online. I submitted a dispute letter and several files of evidence to support my claims. 

Transunion completed their investigation within XXXX business days and XXXX also completed theirs within XXXX business days. Neither of the Credit Agencies updated my credit reports with the disputed information although they both did make minor changes. 

If XXXX XXXX  has told me themselves that my account was purged and removed from their system, how did Transunion and XXXX verify any of the information that is showing on my credit report or the disputed information? 

The credit agencies actually removed half of my payment history from the disputed account. I was showing 79 % of on time payments prior to the dispute and because much of the monthly payment history was removed, my on time payment history dropped to 52 %. This account has been closed for XXXX  years and there haven't been any additional payments made on the account once it was closed. So, there's no way that my actual payment history percentage should have changed as that's not what the dispute was regarding.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
-I am opening this complaint under the category of discrimination- I am a XXXX business owner with a credit score of nearly XXXX. I opened a Venmo credit card with Synchrony Bank in XXXX and have never missed a payment, never defaulted on the card, and paid the card off entirely nearly every month. I own a XXXX  store in XXXX  and have an excellent reputation in the XXXX  industry. I used my Venmo credit card to make purchases from a vendor on a weekly basis. These purchases would range from {$300.00} - {$3000.00} and were always paid off quickly with no issues. 

I received a letter on XX/XX/XXXX which informed me that my account had been closed to do.. and I quote, " Risk of not paying '' Again, I have never missed a payment on this card and regularly pay in full. 

I did attempt to reach out to customer service and spoke with a supervisor. I was informed that no further information could be provided and there was nothing that could be done. I was also then informed that the {$150.00} in cash-back credit rewards would not be paid out due to the closing of my card. 

I am completely convinced this card was closed because I always paid it on time and they never accumulated interest. I have all records to show my XXXX  payment and am happy to provide them. This is discrimination against a hard-working, honest, tax-paying business owner. 

I am very frustrated, concerned about the impact this has on my credit score, and researching legal action. This is the land of the free, I will go above and beyond to expose such activity and have all the documentation to prove my case.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with Transunion credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, XXXX  is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with XXXX credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, experian is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have filed multiple disputes regarding my reports which they have claimed to have verified. there is a lot of inaccuracies, and inconsistencies on my report that is not metro 2 compliance. The following items on my report that was disputed : 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have filed multiple disputes regarding my reports which they have claimed to have verified. there is a lot of inaccuracies, and inconsistencies on my report that is not metro 2 compliance. The following items on my report that was disputed : 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 explanation