vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00}

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 2022-10-14 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:
ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. XXXX XXXX  XXXX {$570.00} XXXX XXXX  {$5700.00} XXXX XXXX  {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX  {$7900.00} XXXX XXXX {$790.00} XXXX companies are reporting late when my payments have always been on time. XXXX XXXX XXXX XXXX balance XXXX NEVER LATE XXXX XXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been banking with JP CHASE bank for years nowAnd recently i applied for an apartment through my section 8 voucher and was denied SOI actually was told I had a felony which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like XXXX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it JP CHASE has never approved any of my application not 1 I am a single XXXX  woman that never ever HAD 1 credit card and Im XXXX yrs old and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : ( why XXXX old XXXX  girls get XXXX limits due to their parents demographics of life Jp I feel used and I consider this bank XXXX and discriminating against meI tried calling asking the CHASE BANK what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the LAWHJR-192 and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against XXXX want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate CHASE BANK because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b Discrimination is not okay at all and if youre racist May god FORGIVE YOU!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have sent a validation letter on XX/XX/2022 to this company named Bridgecrest, and yet to receive a response of validation, it has been XXXX calendar days and I need this debt remove from my credit report immediately, due to no response of validation and incorrect billing, I will also have the attached letter I sent down below.

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 2022-10-14 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: MO

Complaint narrative:
It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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 2022-10-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern. 
I find it very suspicious that, right after I reported this account as fraudulent to Equifax. And was in the process of getting it removed from my credit file, the original furnisher, XXXX XXXX XXXX  has suddenly resold it to XXXX XXXX, XXXX. And they XXXX XXXX XXXX representatives was very rude on the phone when I called and asked for validation of the account. 
A collection agency that has been sued numerous times for their unlawful collection practices. 
This old unverified debt has reappeared on my credit report as a new account. According to the FCRA The re-aging of an old debt is illogic. And is punishable with a fine up to {$1000.00}. Equifax has allowed this nefarious debit buyer to park this junk debt on my credit report and re-age the status. It is unethical and illegal. Their behavior has caused my credit score to drop XXXX points. And has caused me an enormous amount of stress and anxiety with my family. I want it removed from my credit file immediately and permanently. 
Partial account numbers as seen on my myFICO credit report XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be 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 2022-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 

In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) 5 ) : 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 1681 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-10-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a dispute letter to all 3 credit bureaus on XX/XX/2022, requesting for an inaccurate item to be removed from my report. I received a respond back from them after more than 30 days stating that after their investigation they found the item to be accurate. I would like for them to send me a report of their full investigation on how they found that account to be accurate. Please see below the account information i need to be removed from my report. 

Account Number : XXXX Account Name : XXXX XXXX XXXX It's Reported as a Charge off/ Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I mailed a certified letter to Transunion disputing a debt collector failing to respond to my validation letter and failing to update the status of my account as disputed. Transunion received my letter on XX/XX/XXXX and, to date, still has not processed my dispute. It's been more than 30 days.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I made a mobile check deposit on XX/XX/XXXX in the amount of {$230.00} to my chime checking account as my direct deposit has not been set up. 

after 7 Days, Chime is telling me they need more time to deposit it even though the law states a max check hold of 7 days total. I was told the money will not be in my account till the XXXX so chime is holding this money hostage for 11 days total. 

Another deposit i made tonight in the amount of {$360.00} via the same deposit method also stated till the XXXX to get this new deposit. I spoke with a representative at chime the other day who told me it was just a random check and that there wouldnt be any issues like this again but immediately they have broken that promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK
State: WY

Complaint narrative:
Late fees of {$15.00} per month on the account summary portion of the Mechanics Bank Auto statement, but on the payment coupon further down the statement shows late fees ranging from {$15.00} ( correct late payment fee ) on XX/XX/2022 statement, but each statement after XX/XX/2022 having overcharged with the highest amount being {$75.00} on the XX/XX/2022 statement. 

I've been trying to catch up on payments on my account but the varying fee amounts are making me fall further behind. On the XX/XX/XXXX payment due date coupon, it shows {$75.00} in late fees. On the XX/XX/XXXX payment due date coupon, it shows {$60.00} in late fees. Then again in XX/XX/XXXX, it shows {$60.00} in late fees as well. On XX/XX/XXXX it shows {$45.00} in late fees. XX/XX/XXXX shows {$30.00} in late fees. XX/XX/XXXX shows {$15.00} in late fees which is the only month where it seems correct. Every other month it seems like it was being duplicated two to five times what it should've been. 

From what I understand, late fees are {$15.00} per month according to the account summary on the estatements but I've been overcharged by quite a bit for the last five months. 
XXXX - {$75.00} late fees minus correct {$15.00} late fee = {$60.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$45.00} late fees minus correct {$15.00} late fee = {$30.00} overcharged XXXX - {$30.00} late fees minus correct {$15.00} late fee = {$15.00} overcharged Total overcharged late fee amount = {$190.00} On the mechanics bank auto website account history it shows 5 late fee assessments of {$15.00} each, so I'm not sure why there are 5 months of 2x to 5x the amount of the original {$15.00} late fees added on to my minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
The day after I opened a Venmo account & had money sent by my fiancee, I went to withdraw/transfer money to my bank account as well as send some back to my fiancee. I was unsuccessful at it and received an error message that my account was frozen. XX/XX/2022 account set up, money transferred on XX/XX/2022. 
Had opened up a dispute online immediately. XXXX had back & forth conversation about why my account was frozen & Venmo asking multiple levels of verification my part, which 2 steps from setup of account had happened before account open. Asking for debit card, bank statements, photo of debit card & photo of ID or passport also. They have what I felt kidnapped my money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

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 2022-10-14 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: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
THIS IS INFURIATING! For the past 6 months, I have been disputing for the correction of my Credit File by removing the fraudulent accounts and information from my Credit File. I was a victim of identity theft and the disputed accounts and information were the results of such crime. I have also been submitting multiple dispute letters and CFPB complaints addressed to the Credit Reporting Agencies and yet all of these have been ignored. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information immediately removed from my Credit File. However, no matter what I do, whatever I try to do, the Credit reporting Agencies have been ignorant and indifference with my Credit File. Once again, I am submitting yet another CFPB complaint to request to the Credit Bureaus to immediately remove the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX. We are halfway through to file a lawsuit with the Credit Bureaus and I believe we are ready anytime to submit this lawsuit the moment the Credit Bureaus do not remove the disputed items.

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