vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 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: MO

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I demanded a refund from XXXX for a washer & dryer I ordered online from them. The company they had supposedly delivering my products, were lying to XXXX telling them that I was not home ( I work from home ) and then told them they DID deliver it. XXXX did nothing except mark my order as " delivered '' - can you believe that? They made it look like they stole {$2500.00} from me. I demanded a refund and was ignored for weeks. 

I report this to Truist since I used my debit card and disputed the charge. The last response I received from truist was a piece of mail at the beginning of XXXX saying I have a high chance of getting my money back. Since then, they have not given me my money, XXXX tried to refund me, I sent that information to Truist, and nothing. No response, no nothing. 

I want the CEO of Trust and the CEO of XXXX both arrested for stealing my money. It doesn't matter what their intentions are, I don't have my money and one of them do. Both of them are negligent to the point of thievery. 

I guarantee Truist has my money and is just borrowing it for free. They need to be held accountable and responsible for this type of underhandedness.

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 2023-11-04 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: MD

Complaint narrative:
TransUnion has denied my Identity Theft Police Report that includes the person name that committed Identity Theft against me, Identity Theft Report from the Federal Trade Commission, and the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied my rights that protect me and my credit report/file of being a victim of Identity Theft. TransUnion has communicated to me that they are bigger than the laws that govern them of the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied 15 USC 1681C-1 ( FCRA Section 605A ), 15 USC 1681C-2 ( FCRA Section 605B, FCRA Section 609 ( e ), FCRA Section 605C-1, 15 USC Section 1681, 15USC Section 604 ( 2 ).

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 2023-11-04 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: MO

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2023-11-04 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: MO

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank closed ALL my accounts including my business account due to fraudulent activity. I have never committed fraud. What gives them the right to close an account without the owners permission? Due to them closing my accounts so abruptly, I was not able to pay vendors or services that I use for my restaurant. This in turn effected my restaurant negatively. I couldnt get the products I needed to run my restaurant properly. Ive been with this bank for about 7 years, and this is how they treat a loyal customer. They closed ALL my accounts ( business checking, personal checking, savings, credit cards ) all on XX/XX/2023, without a formal explanation of why they were closing them. I spent the last three weeks trying to get my money and Im finally picking up a check for my balances at a local branch XX/XX/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 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My entire monthly payment of {$1200.00} was applied to interest only. Nothing was applied to the principal. My loan servicer is MOHELA and this practice, to my knowledge is illegal. 

My account has not been placed in administrative forbearance. I submitted an official complaint through their process as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: MO

Complaint narrative:
I am writing to express my deep concern and frustration regarding the continued presence of fraudulent items on my credit report despite numerous previous attempts to have them removed. These fraudulent entries are severely impacting my creditworthiness, and I urgently request your intervention to address this persistent issue. 

This account was opened fraudulently and is not connected to me in any way. I have reported the identity theft and fraudulent activity related to this account multiple times. The debt is not mine, and I have provided supporting documentation, such as police reports, to substantiate these claims. 


I have reported this fraudulent activity to law enforcement, and it is not my debt. I have provided evidence to support these claims in previous disputes. 

This collection account is a result of fraudulent charges and has no connection to my financial history. I have diligently reported this to the proper authorities and the creditor. Supporting documentation, including police reports and incident reports, has been provided. 

It is disheartening to note that despite my previous disputes and the evidence provided, these fraudulent entries remain on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take immediate action to investigate and remove inaccuracies in credit reports. 

I respectfully request that you re-evaluate my past disputes and expedite the process to remove these fraudulent items from my credit file. I expect that you will keep me informed of the progress and provide me with a copy of my updated credit report once these inaccuracies are rectified. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2023-11-04 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: DISCOVER BANK
State: MS

Complaint narrative:
The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: CNG HOLDINGS INC
State: MS

Complaint narrative:
The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/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 2023-11-04 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: FL

Complaint narrative:
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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:
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/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 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used points from Chase Sapphire Preferred card to book a rental car for my trip to XXXX from XXXX. The booking was done through Chase Booking Team. When the booking was almost complete, I was very specific about the type of car ( SUV ) and that I wanted to use my points to fully pay for the car so that I will not have to face any additional charges when picking up the car at the destination and was told during the booking that all is set and I still had almost XXXX points left. 
It turned out that the car I booked was different than the car I was promised, in addition, accessories like child seats were not installed as promised and in addition, I was charged daily insurance rate for the car in the amount of around XXXX Euros ( {$730.00} ) even though insurance was included, however, rental car representative stated that if I do not purchase insurance policy with them, I will be responsible for any damages to the car. 
The car that I picked up could not fit all luggage and I had to use second car in order to accommodate the inconvenience caused ( bring 2 other luggage which did not fit into the rental car ). The rental car took place from XX/XX/XXXX to XX/XX/2023. After several months of back and forth with Chase Booking Team, and only thank to the XXXX complaint, I finally heard back from Chase and was informed that Chase will not address the charge for the insurance as that was supplement insurance even though thats not what I was told by the representative from the rental company XXXX. Further, chase offered XXXX points to accommodate for different car being offered and customer service issue with the child seats not being installed which I believe is not sufficient.

Company response to consumer: Closed with explanation