vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: TX

Complaint narrative:
I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TX

Complaint narrative:
I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i sent a letter to transunion to dispute incorrect personal information back on XX/XX/XXXX  but have yet to receive any knowledget that my dispute was being processed.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
This company I contacted in regard to the debt collection has responded but to my surprise they tell me that my account for XXXX, which I've never had, was opened on XX/XX/. Which is entirely impossible because I was a legal XXXX  at the time. I know for a fact XXXX would not allow a XXXX  to shop with them. Unless XXXX did something without my permission .... The debt is for {$660.00} but I refuse to pay because it is not my debt. Clearly it is not. Since when is it okay for a child under XXXX to go to XXXX? Its not. I expect this case to be dealt with delicately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i sent a letter to Experian to dispute incorrect personal information back on XX/XX/XXXX  but have yet to receive any knowledget that my dispute was being processed.

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 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX, I deposited a check to my Chase Checking account which was drawn from my XXXX XXXX Checking account. The check cleared XXXX XXXX, and had sufficient funds to pay Chase. Chase placed a hold on the check, through XXXX. Chase had already collected the funds and XXXX XXXX paid the funds via my XXXX XXXX checking account. 

In light of the unnecessary " hold, '' which Chase chose ( arbitrarily to do ), I incurred Overdraft fees. To date, I have incurred two ( 2 ) fees, in the amount of {$34.00} each for a total of {$68.00}. I am asking for assistance in this matter to recover the fees due to the unlawful act of holding the check. I have been with Chase for five years, and XXXX XXXX since XXXX. I am at a loss as to why all of a sudden Chase is now singling me out. Chase has never placed holds on any deposits I have made. This is not the Chase I used to enjoy doing business with, and I must add, that when I had over {$100000.00} in my savings account these types of " situations '' were not happening. Odd, yes. Biased, yes. 
I wish to thank you in advance for your efforts to help me recover my hard earned dollars who have fallen into the hands of yet another greedy billionaire CEO 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX of California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to Transunion is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.

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 2023-09-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: GA

Complaint narrative:
I attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX 2023 via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, Ga XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX collection agency be instantly removed.

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 2023-09-19 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: GA

Complaint narrative:
I attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX 2023 via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, Ga XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX collection agency be instantly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
My mortgage that was previously held by XXXX XXXX since 2017 has been sold to Newrez about 3 months ago. I am a senior citizen that receives my Social Security check on the XXXX Wednesday of the month. Because of this uncontrollable situation XXXX XXXX extended my grace period to the XXXX of the month to avoid monthly late fees and keep my credit rating in good standing. Newrez refuses to honor this part of my loan. XXXX XXXX sent me a letter stating these terms of which I forwarded this letter to Newrez. They admit receiving the letter but refuse to honor those terms of my loan. Why am I stuck with a company that I never asked for or agreed to? What recourse do I have? Please help me as I can not afford late fees each month. I have always paid my mortgage monthly and never missed a payment. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: CA

Complaint narrative:
I recently received a copy of my credit reports, and noticed some inaccuracies on my file. I then contacted each of the three major credit bureaus to have these items investigated. XXXX removed all items that I was concerned about. XXXX and Transunion refuses to follow their own laws put in place. All items investigating must be shared between all three major credit bureaus in order to report the same information on all three bureaus. In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately.

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 2023-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU in Texas is keeping the life savings of veterans! By making internal XXXX process to jump through to receive funds that are already yours. 

Is there anyone who can help us with this supposed lending & savings institution and getting our fathers life savings back? 

XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX This is in reference to this complaint number. 
Cash app should also research to make sure where my money went and if they use the correct debit card number not just the last four digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: OK

Complaint narrative:
This information does not belong to me

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 2023-09-19 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
I got 3 XXXX gift cards wort {$200.00} total ( one {$100.00} card and two {$50.00} cards ) back in around XX/XX/2023. I tried usinf them couple weeks after around XXXX end or early XXXX and discovered that none of the cards were working ( neither in a store nor online ). 

I called the number on the back of the card ( XXXX ) about this. I was told by the phone representative that he found some issue with all 3 cards and will file a case so I could get replacement cards. I was asked to send pictures of front and back of each card along with my driver license and some address proof whic i sent ( to XXXX ) in the first week of XX/XX/2023. 

However, since then I have not heard back or gotten back anything from them. I have tried calling to follow up around 10 times since then ( been more than 3 months now ) but all they tell me is that the case has been escalated but there isnt any update they can give me. 

My case number with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/2023 a charge of {$320.00} was made to XXXX XXXX XXXX XXXX using my Chime XXXX XXXX XXXX XXXX. This charge was unauthorized, and I immediately disabled the card and filed a dispute with Chime. 

Following their investigation, Chime determined that " no billing error had occurred ''. I am currently awaiting documentation from Chime with detailed information ( I'm told ) about the inquiry and determination. But since this dispute is regarding a straightforward unauthorized charge and based on partial information provided by Chime customer service indicating that my " purchase history '' may have factored in the determination ( I happen to sometimes shop at XXXX ), I intend to file what Chime calls a rebuttal. This complaint will be attached to documentation I plan to provide during that effort. 

I was not able to obtain any information from the merchant, XXXX, via their customer support call center, and I have not received a Chime statement containing information about the unauthorized purchase/charge, so there is limited information available on my end. 

I am not confident that Chime is acting in good faith in their inquiry and determination processes. And based on easy-to-find rules and guidelines, I believe that this constitutes a violation of both their obligations as a financial institution and a XXXX card provider, as well my rights under EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: LEXISNEXIS
State: UT

Complaint narrative:
There are Fraudulent insurance claims and Fraudulent insurance Policies in My Name Reporting on my LexisNexis Consumer Report, I need equal access to a hard copy of my LexisNexis consumer report.

Company response to consumer: Closed with non-monetary relief