vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX should not have an account reporting. This account was settled in XXXX  with a garnishment which amount settled was paid. The correct reporting which has been submitted to Experian is closed settled for a lessor amount. 

XXXX XXXX XXXX, XXXX is converting accounts from XXXX  to XXXX. During this transition account numbers are being changed and reporting was affected. This particular account was not closed our properly in our old system and was converted to the new system and reactivated. It also made several accounts duplicate instead of converted due to slight reporting error from our previous system. Please disregard if there are two ( 2 ) accounts that end with the same account number. This document is for XXXX XXXX record and ability to contest the incorrect reporting from the situation above.

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 2022-09-13 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: VA

Complaint narrative:
i recently took a look at my credit report and noticed that there is still an inaccurate account that is reporting to my credit report. even after i have sent in several disputes with Transunion the account XXXX  # XXXX displays an open account with a monthly payment of {$1900.00} and a balance amount of {$1900.00} with payment status as CollectionOrChargeOff. this information is completely inaccurate and reporting false and misleading. the interesting fact is that transunion said that this account was verified which is impossible because the information that is being reported is incomplete and not correct. It seems as though transunion and XXXX  is conspiring against me. I am aware that XXXX has to pay transunion to report information to them ( transunion ) so in this case this is a business transaction btwn to the two companies, transunion is continuing to collect those payments to keep their business more profitable, I would like to assert my right of accurate reporting on my consumer report which uses the law 15 usc 1681e ( b ) also 15 US 1681 S consumer reporting agencies do not have the bit of right to report or furnish things on my credit report that is to believe to be 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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MA

Complaint narrative:
On Monday, XX/XX/2022 I reached out to Chime BankXXXX and requested a letter for my visa application. The letter was to explain that I indeed to have a bank account that's currently active, with funds that are deposited weekly from my employer and that I do have the means to funds while on my trip to XXXX. XXXXne week goes by, two weeks go by and now three weeks have gone by and no response. I called the reached out to Chime on Tuesday, XX/XX/XXXX via XXXX  to ask if there was anything they could do on there end, to see what's happening with the letter. They asked for my Chime $ sign which is your username that's unique to you. If someone, anyone wanted to look you up by your Chime $ sign, they can find you. What they didn't tell me is, you have to unlock the feature via your mobile device. The response through XXXX was, they could not find me and that I should email customer care or give them a phone call. I called Chime on Wednesday, XX/XX/2022 and spoke to a representative and didn't get much help. I called on Saturday, XX/XX/XXXX and was given a small piece of information but nothing that I could really use. Then finally, I called back again after getting the wrong information via email on Sunday, XX/XX/XXXX and XXXX, I can still remember his name was the one that helped me the most with the information that he gave me. He simply told me to email the company and request this information and that exactly what I did. The only thing I received from the company was an automated response stating they received my request and that they were working on it. I again reached out to Chime via XXXX today to ask if I can talk to someone and express my disappointment that I have with Chime and the customer service that I have been not receiving and that hit a dead end as well. I will be changing banks but for the mean time, I do need that letter. This is the worse experience that I've had with Chime. They were perfect in the beginning but I guess all mask have to fall off sooner or later. This just was not what I expect from a bank that's not a big box bank like XXXX, XXXX or XXXX XXXX. This is actually what I expected from them but never from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: MI

Complaint narrative:
Not my account

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 2022-09-13 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: FL

Complaint narrative:
On XXXX XX/XX/2022, I submitted a written dispute to Transunion and XXXX informing them of incorrect information on my credit report that needed to be removed due to fraud and identity theft and I also provided them with the FTC filed identity report and legal paperwork. XXXX removed ALL incorrect disputed information while Transunion failed to remove the XXXX XXXX account. Transunion did remove XXXX XXXX  on XXXX XX/XX/2022 as it was unverified, but then later reinserted in back on my credit report on XXXX XXXX XXXX, 30 days after filed dispute which was pass the timeline required for companies to provide a response. Due to Transunion 's unlawful refusal to comply with the law, I am now having major issues securing financing for my startup business and placing me in a severe hardship with now having to pursue legal representation to fight these fraudulent insertions on my credit report. I am requesting that the CFPB mandate that Transunion credit bureau delete both the XXXX XXXX  account, as it was previously unverified and deleted but later reinserted and also delete the XXXX XXXX account immediately or else file suit based on violation of law.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
EXPERIAN I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name stated on my birth certificate and social security card and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. Experian has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EXPERIAN which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : 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. As EXERPIAN would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EXPERIAN has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EXPERIAN has caused me. I have had enough of the abuse and unfair practices from EXPERIAN. Pursuant of 15 USC 1681b ( 2 ), I did not give EXPERIAN any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).

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 2022-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Late XXXX to early XXXX XXXX XXXXXXXX I opened a checking/savings account with JPMORGAN, CHASE BANK XXXXXXXX XXXX XXXX XXXX in XXXX XXXX NY XXXX XXXX 
On XX/XX/XXXX there was a transaction made through XXXX that I did not authorize to a XXXX ... .. for the amount of {$15.00}. 
Note- my wife was not an account holder yet at the above date and the bank claims she authorized the transaction. 
We do not use XXXX we never did. A XXXX representative confirmed that we have never had an account with them nor made any transactions through them via a third party. 

On XX/XX/XXXX my wife becomes an account holder as well and the transactions continue XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} We personally visited the branch, filed a complaint and explained we did not authorize the transaction. We then filed a police report with XXXX police second precinct. 
Our account was restricted, my wife was taken off the account since the bank said all transactions were made using her personal info. 
We took every step we were advised to take for identity theft. 
My account was again compromised in XX/XX/XXXX from a Chase branch in the XXXX where an individual was allowed to change the account phone number using my wife 's info when my wife was off the account and the account was restricted and under investigation. 
The bank assured us they were investigating. They told us to come back with a letter saying the transactions were, in fact, authorized by my wife when they were not. They clearly didn't believe us and wanted the matter to be off their hands. 
we need further investigation of the matter. 
The bank failed to protect us before and after the initial complaint and we are treated as the perpetrators instead of the victims. It is strange that these withdrawals were allowed to occur even after my wife was removed from the account under her name. There was not a single alert that sounded when this occurred to signal theft even after all of our trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: VA

Complaint narrative:
TRANSUNION I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name as shown on my social security card and birth certificate, and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. XXXX has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by TRANSUNION which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : 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. As TRANSUNION would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that TRANSUNION has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that TRANSUNION has caused me. I have had enough of the abuse and unfair practices from TRANSUNION. Pursuant of 15 USC 1681b ( 2 ), I did not give TRANSUNION any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I noticed a new collection on my report as of XX/XX/2022 for a collection that is already being collected by XXXX XXXX for the same amount from the same creditor. I contacted the credit and also disputed the debt due to duplication and not receiving notifications about the debt in order to dispute it. So far I have not received any communication written, email, or any other type including phone calls regarding the debt. The company without any warning placed a collection on my credit without notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
MediCredit is showing up on my credit report and hindering my ability to purchase a home. I called the collection agency and they have told me that the original debtor has closed it and they no longer have it. But it is still negatively reporting on all three credit reports. I would like this removed immediately off of my credit reports so it is not effecting me anymore.

Company response to consumer: Closed with explanation