vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Somebody opened bank accounts with my identification.

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 2022-05-06 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: NV

Complaint narrative:
I have reviewed my credit file much because I aged out of foster care and didn't know how. I discovered XXXX aka XXXX XXXX XXXX XXXX on my credit report back in XXXX of 2021. I disputed with Experian, XXXX, and XXXX. I disputed it with XXXX aka XXXX XXXX,. I have disputed it several times with all respective parties. I don't know what they are using to verify this debt other than my information that was fraudulently used. I am not sure who used my information and I wouldn't even know how to find that out. I filed a police report back in XXXX of 2021 and have submit it to the before mentioned entities. I also filled out the forms from XXXX aka XXXX XXXX, and mailed them back. The issue is still not resolved. I have done everything that XXXX XXXX and the Fair Credit Reporting Act has recommended me to do. My actions have brought me to move forward with filing a complaint with XXXX XXXX, the Fair Credit Reporting Act and my attorney generals office. I want this matter resolved as soon as possible. I do not owe XXXX aka XXXX XXXX, any money.

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 2022-05-06 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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are 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 2022-05-06 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Somebody opened bank accounts with my identification.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote a letter to Transunion and XXXX in an attempt to remove wrong names and addresses from my credit report. This letter was mailed out on XX/XX/21. I have yet to receive a response. When several months passed and still never got a response and submitted a complaint here requesting the CFPB look into this issue, so I could receive so assistance in resolving this matter. I submitted both complaints over the phone on XXXX and here are the complaint numbers : XXXX & XXXX, which have since been closed. I am not sure why these complaints triggered that more information was needed when I verbally verified everything over the phone with the CFPB agent. I simple need TransUnion and XXXX to correct inaccurate personal information. The grossly inaccurate Names variations and random addresses to houses I have never lived has damaged my credit rating, and hindering my ability to use my credit.

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 2022-05-06 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: Chime Financial Inc
State: CT

Complaint narrative:
I filed a dispute with Chime Bank for XXXX  transactions both from XXXX car dealership I'm the amount of {$250.00} each. One transactions was canceled by XXXX and they said they would refund me but never did. Then XXXX weeks later they charged me another {$250.00} despite me not having ever purchased a vehicle from them. XXXX refused to help me and just kept giving me the rub around. So filed a dispute with Chime. My credit card has a " XXXX liability protection " on it but Chime has never helped me recover any money from unauthorized transactions. They have denied every dispute I've ever done and never provide me with the explanation as to why they are denying my claims. I've provided so much evident to support my claim and they always say they will send me what documents they used to make their decision but it would take XXXX business days and they never do. I also know I legally only have 10 days to appeal a denied dispute so I do believe they are purposely taking that same about of time to send me the documents so I can not file an appeal. They advertise the XXXX liability protection and I feel deceived because they have done nothing to safe guard my money or help recover it ever. I am fed up with their deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are 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 non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint follows complaint XXXX. As previously detailed, I attempted to withdraw {$200.00} from my checking account at Chase Bank on XXXX XXXX in XXXX XXXX XXXX. Chase 's response to my former complaint is problematic, because it entirely leaves out that Chase has a policy of allowing customers to withdraw up to {$100.00} without identification. After declining my transaction, none of the tellers or the manager offered to allow me to take out {$100.00} without identification, if, in fact, they say my identification was expired, and they can't process it due to federal law. Apparently, federal law allows them to make up their own policy to withdraw up to {$100.00} without identification. Chase 's response is entirely insufficient and withholds information about this policy to CFPB. There is zero reason to not allow me to withdraw at least {$100.00} according to their own policy. Chase withheld my money without any reason, declined my transaction, and the employees, including the manager, exhibited outlandish unprofessionalism. I want to know why I was not allowed to withdraw {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I noticed numerous credit inquiries showing up on my credit file where I have not authorized. They are XXXX XXXX XXXX XXXX on XXXX XXXX XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX credit XXXX on XX/XX/XXXX 4. XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX  XXXX auto finance on XX/XX/XXXX XXXX. XXXX XXXX serve on XX/XX/XXXX 10

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 2022-05-06 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: VA

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

15 U.S.C 1681 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 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-05-06 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: VA

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

15 U.S.C 1681 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 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 non-monetary relief
Consumer complaint received 2022-05-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I noticed unauthorized inquiries appearing in my credit report. They are : 1. XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX 4, XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-05-06 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX, has violated my rights. 

XXXX {$2000.00} Date opened XX/XX/2019 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: FL

Complaint narrative:
Please refer to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX and Complaint Number XXXX for reference to the previously reported data spill, identity theft, and fraud leading to the sabotage of my credit report. There was an attempt to rewrite history as the timing of these emails, encounters and correspondence appear to refer to previously reported incidents from the years XXXX - XXXX. On XX/XX/XXXX XXXX XXXX  I received an email from XXXX  ( XXXX ) with the subject line : " Your Rental Application to [ RESIDENCE REDACTED ] ( ReferenceID : XXXX ). '' The XXXX email stated, " Enclosed please find the FCRA ( Fair Credit Reporting Act | Federal Trade Commission ) Adverse Action Letter that pertains to your recent rental application. Thank you. XXXX Consumer Relations. '' The XXXX  email attachment continues to state, " Although we are solely responsible for our rental decision, it was based in whole or in part on information contained in a tenant screening report provided to us by : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ... You also have the right to : * Obtain a free copy of your tenant screening report from XXXX  by contacting them directly within 60 days of receipt of this notice. * Contact XXXX directly to initiate a dispute of any information in your tenant screening report you believe is inaccurate or incomplete. * Obtain a free copy of your credit report directly from Experian, which provided it to XXXX... You may also have additional rights under the credit reporting or consumer protection laws in your state. For more information, please contact your state or local consumer protection agency or state attorney generals office. '' The XXXX email ( as well as other emails received ) yield a level of well-timed denial of fundamental consumer rights with the expectation that consumers are responsible for correcting, protecting, and preventing errors and breaches that occurred at the company. To date, my credit, finances, and records remain severely damaged from the repeated unauthorized inquiries, unauthorized access, identity theft, and fraud stemming from a failure to safeguard information. CFPB Complaint Number XXXX provides evidence of several other companies that also accessed my credit report without my knowledge or consent. This factually incorrect email, attachment, and contents from XXXX confirms there was a severe breach involving my credit report.

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 2022-05-06 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: CMG Financial Services, Inc.
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late fr purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: NY

Complaint narrative:
on XXXX I sent dispute letters to Experian, XXXX, and XXXX to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 2..XXXX XXXX XXXX 3.  XXXX 4. XXXX inquiry on XX/XX/XXXX 5.XXXX XXXX inquiry XXXX 6.XXXX inquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XXXX XXXX on XX/XX/XXXX 9XXXX XXXX XXXX inquiry on XX/XX/XXXX 10XXXX XXXX XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX XXXX : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All 4 XXXX XXXX accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting 6 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681

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