vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX* US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-14 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has violated chapter 93 Section 58 paragraph ( f ) of the MASSACHUSETTS STATE GENERAL LAW. This section of the law states whenever a statement of the dispute is file the consumer reporting agency Shall in subsequent reports containing the information in question clearly note that it is disputed by consumer. Experian did not after multiple subsequent reports state that account 14528 is in dispute. I have provided as proof several recent copies of Experian subsequent reports with no notice of dispute stated. I have also provided a copy of CHAPTER 93 SECTION 58 PARAGRAPH ( f ) of the Massachusetts State General Law as well. Experian you are willful noncompliance of chapter 93 Section 58 paragraph ( f ) of the Massachusetts State General Law. I have also attended a copy of my dispute letter with the supporting proof documentation subsequent experian reports.

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 2023-06-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called the credit reporting agencies including XXXX, XXXX, and Transunion to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave XXXX, XXXX or Transunion permission to put the following accounts XXXX XXXX ( Account # XXXX ) and XXXX XXXX/ ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  on XXXX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

XXXX, XXXX, and XXXX are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A. 

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.

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 2023-06-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called the credit reporting agencies including XXXX, Experian, and XXXX to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave Experian, XXXX or XXXX permission to put the following accounts XXXX XXXX  ( Account # XXXX ) and XXXX XXXX/ ( Original Creditor : XXXXXXXX XXXX XXXX XXXX on XXXX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

XXXX, Experian, and XXXX are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A.

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've provided this information along with photo evidence to Chase and they denied me my money back. I returned the products back, XXXX lost my packages, and the merchant won't return my money. 

To provide a comprehensive understanding of the timeline and events, I would like to present the following information : On XX/XX/XXXX, I initiated the process of returning the purchased purses to XXXX XXXX and contacted their customer service to request return labels. 
XXXX XXXX subsequently emailed me a link to generate XXXX return labels on the same day. Regrettably, I no longer have access to the label or the specific address that theyve provided in that label due to the expiration date. I have included photographs of the label generation email for your reference and Ive provided the links to the return labels. 

On XX/XX/XXXX, I dropped off the packages at a XXXX location, using the same box that was sent by XXXX. 

On XX/XX/XXXX, I realized I havent heard back after several weeks had passed and Im still out of money. I reached out to XXXX XXXX to inquire about the status of my return. They initiated a XXXX claim on my behalf. 

However, on XX/XX/XXXX, XXXX XXXX informed me that the claim had been denied, could not be reopened, and that I would have to contact XXXX to see why it was denied. I was not provided with any details or reasons for the denial by XXXX, making it exceedingly difficult to address the issue effectively. 

In my subsequent communication with XXXX, I discovered that I had not been provided with a claim number from XXXX XXXX, rendering XXXX unable to assist me directly. 

On XX/XX/XXXX, I examined the tracking details for my packages and was dismayed to learn that they could not be delivered and were being disposed of by XXXX. 
Frustrated by the lack of progress, I took the initiative to open a XXXX investigation through their online portal using the provided tracking numbers. 

On XX/XX/XXXX, I initiated a dispute with Chase, seeking resolution regarding this transaction. 

On XX/XX/XXXX, I received an email from XXXX inquiring whether I had received a replacement order or my original package. Unfortunately, I did not receive a replacement, and my original package remains undelivered to this day. 

I then received a letter than Chase denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: CORELOGIC INC
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The company XXXX XXXX XXXX  which is now XXXX  gave me a job contract stating if i resign before a year that i would have to pay for training in XXXX of XXXX. After the background check they decided not to hire me and then asked for me to pay for the background check. The company tried placing the amount of XXXX on my credit and i disputed it and I hired a lawyer. Experian removed the amount and XXXX tried sending a new contract to state i electronically signed and i said i would pay for the background. Now they tried placing the amount back on my credit even though their contract states if i was XXXX XXXX it would be void and I was XXXX XXXX beginning XX/XX/. I disputed recently showing the contracts and letting them know the attorney is back on the case and the dispute was denied. I never worked for this company and i didnt resign, it is past the statute of limitations when i signed the agreement in XXXX  and i do not recall electronically signing a new document as I was in basic military training.

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 2023-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I was discriminated against national origin. The school held me back from XXXX XXXX  and allowed XXXX of XXXX  in from XXXX through now. I dont believe my student loans and debt is fair. Cases have proven that those XXXX XXXX pay three times more then me as an American. They also have Allies in other countries. I attempted XXXX because I found no way out. Ive been XXXX for XXXX years and want to finish my XXXX program now that I am healed by God.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: MN

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-14 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The week of XX/XX/XXXX I was called on a transaction that was made on XXXX and I had told them that I did not make the transaction so they were going to cancel my card and send me a new one. I then went to the bank to find out why it was taking so long for me to get my new card in the mail and come to find out that there was over {$3000.00} charged by four different companies which two of them are not even in the country. XX/XX/XXXX I opened up a claim requesting the funds to be put in my account I was denied and told that I made those transactions or somebody had my card. I said nobody has my card my card does not leave my wallet and I did not authorize any of those transactions. I sent in a letter a signed letter stating that I did not authorize any of those transactions. I also went down to the XXXX Police department to file a report and reopens another claim on the same day stating that it was not me. I went to the bank spoke to the manager several times we have several emails going back and forth stating that those transactions were not made by me I have no idea what some of the companies are. We then called the bank and had a supervisor look into what was going on they said there was a person by the name of XXXX  XXXX who tried to access my account {$230.00} times my account was never flagged through this whole process it was I was never notified by any of these transactions and if I don't get notified I'm not going to check my account to see if money is not if money is getting taken out. I'm a single mother XXXX kids about to get kicked out of my apartment because I can't afford my rent my bills are overdue I've asked many times for temporary funds I'm getting told no it's now going on almost 3 months with no answers and this is 100 % unacceptable over {$3000.00} is owed back 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 monetary relief