vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I tried opening a checking account online, but was told that truist couldn't verify me and was suggested i visit a branch instead to open an account, so i did. I opened an account yesterday at your XXXX XXXX location ( XX/XX/XXXX ) and the lady ( XXXX  ) that helped me open an account was helpful, except there was one thing she said that caught me off guard. I asked for the temporary debit card that your sites clearly states someone will get when opening a checking account ( proof shown below ), but was told that wont receive one. I receive an email the next morning that states my actual debit card was shipped out and i should receive it in 5-7 business days, the issue is the email also states that i need to destroy any temporary debit cards that i might have when i receive the actual card ( proof shown below ). I then visited a branch located in XXXX XXXX instead ( XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX ) in hopes to actually get the temporary debit card i was promised twice so far. The blond lady i spoke with told me multiple times that i cant get a temporary debit card ( even after i showed her your site clearly saying i can get one ) and she also said that i apparently have to wait at least 90 days before i can get an actual debit card. While she was explaining that to me, i overheard the manager in the background talking with another employee about temporary debit cards, meaning it heavily looks like I'm simply being discriminated against for some 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: SC

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my consumer report, my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXthere should be no other address listed on my report. Remove any phone numbers they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly eliminate them from my credit report. I have submitted supporting documents for your examination. 

I have no association with the creditors listed and did not initiate this inquiry. Kindly remove it from my credit report at once.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX i called Experian to have inaccurate information ( non mailable addresses, and employers ) deleted from my account. I informed them that per 15 USC 1681b ( 2 ) and The Privacy Act of 1974 that it is a violation to furnish information without my consent to my credit report and that i would like to know the third party company that gave them my information without written instruction and consent. I was met with a person named XXXX from their dispute department and was told that he would not delete the information as it is accurate and was told that the referenced laws above mean nothing and he would not be deleting those items. I called back at XXXX and when i requested to speak to a supervisor i was transferred to a line where there is no dial tone nor person to speak to. As i write this i am currently still on the phone waiting to speak to someone. ( It's XXXX ) I will provide a screenshot of the number i called and how long i was on the phone waiting to speak to someone who would address my concerns properly.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted all 3 bureaus and informed them all that XXXX. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a 1099 for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
XXXX XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
XXXX. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This Nightmare started on XX/XX/XXXX when I recieved email from Chase about claims be placed on my account. 
My bank account with JP Morgan Chase was hacked, scammed comprimised!!! 
Im not sure how it happened and I had no idea until about a week later when I checked email account andrecived notice stating a temporary credit was issued to my bank accout for the claims placed on my account I immediately emailed back 9which was returned non deliverable ) so i then called and spoke to Chase Rep advising I did not place any claims on my account, he looked at my account and said everything looks fine on his end, no need to worry, assuring me nothing to worry about, account looks fine. I trusted Chase Rep that my account was fine and went about my business, about a week later i started reciveing notices from XXXX XXXX and XXXX that previous Payments from XXXX, XXXX, XXXX, XXXX & XXXX were returned and I needed to make good on these payments I was Horrified, I went right into my bank account and it was now showing XXXX negative. 
I reached out with calls and got no where 9partially my falut I was crying so much rep couldnt understand me, so i reached out thru secure email in app letting them know I did not make any claims on my account and need for Chase to send back the payments to XXXX XXXX and XXXX that they unlawfully returned for non payment, I got email stating that i need to handel on own. 
Apprently Chase Rep somehow allowed access to a scammer-hacker-evil person to my acoount and they wiped me out, they put claims on past payments to XXXX XXXX and XXXX , then when tempory credit was applied to account the scammer stole the funds.

Ive reached out to Chase to seek reibusment for the money that was tolen from my account, i got absoutly no resoltion at all ( ive been banking with them for over 10 years without any issues ) I may be wrong but i feel Chase needs to take responsibility for this whole Nightmare I am going through. it was Chase Rep or Chase system that allowed scammer -hacker-evil person to steal my money & life. 
Iam devastated over this nightmare Iam not in good health I have a pacemaker? defibulator implant for XXXX XXXX and this nightmare he really taking a toll in declining health. 
im trly devasted over this and getting absolutely no help from Chase. 
i am devastated mentally phisacally and fiancally over this. 
is there anything you can do help me with this Nightmare Thank you for your Time and consideration in this matter all help will be greatly appreciated Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had a bad debt with XXXX XXXX in XXXX. That debt was sold to Jefferson Capital Systems. 

Jefferson Capital is reporting the Date of Last Activity as XX/XX/XXXX, when it is actually in XXXX. I have disputed this multiple times and they keep verifying the XX/XX/XXXX date as accurate, when in fact it is not. 

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was the victim of a massive data breach and therefore I want all negative items removed from 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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: IL

Complaint narrative:
To Whom It May Concern : Notice for Validation of Debts Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX, XXXX ( All Rights reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX  || Account Number : XXXX - Creditor : XXXX  || Account Number : XXXX - Creditor : XXXX XXXX XXXX || Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
About XXXX weeks ago, my bank account and my wife account was lock by Chase bank. 
They ask me to call XXXX XXXX XXXX for unlock. I call and take about XXXX hours for unlock my account after they transfer around my call. 
On XX/XX/2024 my XXXX and my XXXX  go to the bank for unlock her account, but yesterday my XXXX  account was lock again. Can not login for pay bill because it is a bussiness account ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed account XXXX with all XXXX credit bureaus and Experian is the only credit bureau that did not delete this unverified account. They notated my credit report that they completed investigation of FCRA dispute but did not provide proof of their investigation or how the account was verified. I contacted the creditor, and they did not find this account so how was Experian able to verify this account? Furthermore, the account is reporting a balance when the debt has been uncollectible. The statute of limitations is 4 years in Texas and according to my credit report this unverified account was opened in 2017. I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. If there is no proof, then follow suit behind XXXX and XXXX and remove the following account from my credit report. XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation