vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: MS

Complaint narrative:
On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied 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 2023-11-18 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX Currently have some Fruad inquiries on my equifax report. 

XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a rug in a village an hour or so outside of XXXX, XXXX in XX/XX/XXXX. I wanted to purchase a blue rug, and it was a cheap store. The seller and I negotiated heavily for more than an hour, and agreed on a price of what was equivalent to {$75.00} for a cheap rug that originally started from nearly XXXX the price originally. 

I come back to the states to find that the company has billed me for XXXX the agreed upon price. The company charged me much more than it was, and has refused to communicate with me when reached out through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: PR

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
My Driver 's license and XXXX ID were stolen along with my external security/password bank so nearly all my accounts were compromised since they had full access to my identity, passwords, PINs. Luckily, I was been able to prevent new credit accounts and loans from opening, shutting down my bank accounts from take-over ( Had to open all new accounts within my closest branch ), and preventing further government identification ( as there have been reports of my SSN being used by in the states of Indiana and Illinois ) along with Tax and Job Fraud.

Hopefully, I have taken all the necessary steps to prevent any further negative impacts from arising and I requested Avant 's help in forwarding the materials they reviewed as I also wanted to continue to prevent future misuse of my identity and my accounts. 

Avant denied my claim for the charges on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-18 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have the inquiries on my XXXX credit report but i did not initiate them ( 1 ) XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXXXX/XX/ ( 3 ) XXXX XXXX XXXX  ( 4 ) XXXX of XXXXXXXX XXXX  ( 5 ) XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
i have the inquiries on my XXXX credit report but i did not initiate them ( 1 ) XXXX XXXX XXXX XXXX XXXX  ( 2 ) XXXXXXXX XXXX XXXXXX/XX/XXXX ( 3 ) XXXX XXXX XXXX  ( 4 ) XXXX XXXX XXXX XXXX ( 5 ) XXXX XXXX XXXX ( 6 ) XXXXXXXX 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 2023-11-18 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: CA

Complaint narrative:
Equifax Inc. has inaccurate and stale information on my credit report. Accounts and account balance updates are missing from my credit report. I receive regular monthly updates from all my accounts with XXXX and XXXX. I verified with my financial institutions, lenders, creditors that they do in fact report to Equifax for ALL my accounts. Equifax did an investigation back in XXXX when I called but no resolution. I also tried disputing missing accounts online but there's no option to do so. Based on my Equifax credit report, the last time all my accounts listed on my report, updates were last received in XXXX. But that doesn't make any sense when my creditors are reporting on a monthly basis and I personally see those updates with XXXX and XXXX. I think there might be a different report or reports that capture my creditors monthly updates. I recently noticed that all my XXXX XXXX XXXX that I currently have balances all disappeared from my Equifax report. That's strange, when I still owe substantial amount of money. Equifax needs to get the act together and investigate where my creditors updates are being reported too?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/23 I called Huntington Bank & talked to customer rep, XXXX, @ Huntington Bank about the reversal of fees for photo imaging of my checks because I didn't require that service due to my personal checks are duplicate. She said that she had limited access to my account but she could reverse only {$25.00} @ a time especially over the phone. I would have to take the lastest bank statement to a local branch of Huntington Bank to receive a FULL recoup of the fees that were for photo imaging. It seemed to start out as {$2.00} then {$3.00} for this unrequested service. 
XX/XX/XXXX  I went online to XXXX the closest Huntington Bank branch in my area which was in XXXX XXXX. I went there & spoke to customer rep face to face, XXXX. At some point, he told me that he had limited access, as well, so he got his bank manager. She also seemed to have limited access & stated that she could only refund me " {$11.00} for a year ''. Now, I know that there are 12 months in a year, so 12 times 2= 24 & 12 times 3=36. Nowhere in these calculations, {$24.00} or {$36.00}, come close to {$11.00}. They didn't dispute my request to ending the fees for the service but trying to get back my monies seems to be 'problematic '. Everyone I interacted with over the phone or in person seemed to have 'limited access ' inspite of me giving them permission & authorization. 
XX/XX/XXXX  I attempted to try again to call Huntington Bank to do two things : to stop the photo imaging fees that everyone prior promised me would stop & recoup the remaining amount owed me. See, when each time I spoke to someone they would promise me these photo imaging fees would stop & it initially they do BUT they just come back & charge me ALL OVER AGAIN. So, it never really stops, you see. Are this what people are calling 'junk fees? '

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate things on my credit report til this day over 60 days later. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that a failure to investigate these items with 30 days give a reason to immediately remove those item from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress you cause me. My information was also impacted by XXXX and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate things on my credit report til this day over 60 days later. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that a failure to investigate these items with 30 days give a reason to immediately remove those item from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress you cause me. My information was also impacted by Equifax and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Pa XXXX showed up on my credit report but Ive never lived there and the only address is still XXXX XXXX XXXX XXXX and it should be the only address on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
At approximately XXXX Pacific Time , someone managed to hack into my account and move money from my savings to my checking account and then proceeded to spend {$1500.00} at a XXXX XXXX on Wednesday XXXX, XXXX. I woke up XXXX hours later to XXXX automated text messages from my bank as someone changed the phone number linked to the account and other information. I contacted Chime immediately. The charge was still pending- they updated my account information and noted that they could not do anything unless the charge went through. 
On Friday, XX/XX/XXXX, the charge went through. I contacted chime immediately to dispute the charge. 
It's important to note that I live in Oregon. I made charges only in Oregon. This charge came from New York. I noted this on my call with them. 
I woke up on Saturday the XXXX to an email saying they decided there was no fraud. Which is... insane. At no point have I have been to XXXX in New York. I live in Oregon. They barely got information from me. Why wouldn't they look at the phone number that someone changed in my account? Why wouldn't they look at the address the items were shipped to? I don't even understand how they " solved '' this so quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need the bureaus to take into account the information they are reporting in my report and validate it since I have seen many inconsistencies in the report, I have sent notifications to them and they have all been ignored. Please take into account the attached documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( Transunion ) that ( account # XXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL 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 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I saw a XXXX advertisement for a bed and was charged for the bed. It ended up being a scam. I payed them through XXXX from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposit the check of the sum of {$91000.00} on the XXXX of XX/XX/2023 and it was said to be available in 7days time Only for my to try to login my account today and it says my online access have been locked And the check I deposit have been withdrawn, the whole {$91000.00} was withdrawn Please I need details on whom withdraw my money and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need the bureaus to take into account the information they are reporting in my report and validate it since I have seen many inconsistencies in the report, I have sent notifications to them and they have all been ignored. Please take into account the attached documentation

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