vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
prior case XXXX. It was NOT resolved. I spent additional dozen of hours and phone calls with the bank including many managers. They would say I will get final balance and statement many times yet the balance on the card is constantly changing and I never received final balance or final statements even tho it was promised. Bank liason I requested previously was only available ones with no info other then empthy promises of help. I was never able to reach them again. These is currently negative XXXX balance on this card that was closed over 6 months ago. Bank is completely ignoring me. It is causing me additional stress and XXXX. Bank of America destroyed the last 8 months of my life. Literally

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
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX I attempted to deposit {$2800.00} in cash through a drive through ATM machine at Chase bank. The chase bank is located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. The ATM machine number is XXXX. I counted the money XXXX times prior to making the deposit. After inputting all of the money into the machine, the screen did not show the full amount of {$2800.00}. I then cancelled the transaction hoping to get all of my money back, but instead I received {$2200.00} back. I did not receive a receipt since the transaction was cancelled. I then went inside of the branch to file a complaint, which the teller told me would need to be done by phone. I then deposited the {$2200.00} with the teller. I called Chase customer service number, explained the situation and a claimed was filled incorrectly as the agent misunderstood what I told her. I called again a couple of days later and had to file a new claim. Just spoke with them again and the new claim was denied as they stated no extra funds were in the machine. This is completely unacceptable as I am missing {$520.00}! I do not think a proper investigation was conducted since the XXXX  claim was incorrect and since they continue to get confused with the fact that I deposited {$2200.00} through a teller. They continue to bring that amount up and I do not understand why. They said my funds did get deposited and that is incorrect. They also told me they would only reinvestigate if I send proof or paperwork. I do not have proof of the full amount as some of the cash was cash left over from a cruise trip! And money from as a birthday gift! I am appalled that something like this is okay and I need my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-06-24 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth XXXX XXXX XXXXXX/XX/XXXX ), Complaint Contents : This CFPB complaint has been submitted to request that Experian , the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, inaccurate, and false information includes a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have led to the appearance of numerous fraudulent addresses and collections on my consumer FICO credit report. I have included a list of the addresses in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the aforementioned accounts, collections, or direct inquiries as they were reported. I did not open, make, or initiate the accounts, collections, and addresses that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts, collections, and addresses. I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and addresses are the result of identity theft and fraud. I also filed a Police report with XXXX Police Dept  the report number ( XXXX ) These are the addresses that should not be on my report : 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

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 2024-06-24 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hello, I am writing you because I dont recognize any of these inquiries on my credit report. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 
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

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 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC
State: MD

Complaint narrative:
An approximately XXXX of 2023, I was informed by a company called XXXX that I owed them {$420.00} for traffic tickets I disputed I made. However in XXXX insisted I pay this amount though it was inaccurate. 

1. In less than 48 hours after notifying.me, XXXX sent this charge to a collection agency called FCR. It was not even 30 days after the debt was cited to me. 

2. FCR instantly added a {$50.00} fee after acquiring the account and immediately increased the debt to {$470.00}, giving me no time to pay the original debt as is.

3. In good faith, I began making payments to FCR to satisfy not knowing that I was being charged {$50.00} extra and above the original debt.

4. Though I have experienced hardship I made diligent payments in good faith to satisfy the original debt.

5. To date, I have paid {$480.00} on an original debt of {$420.00} ( {$53.00} more than the original debt ). 

6. However, FCR is charging me {$120.00} in additional fees for checking, plus the {$50.00} it immediately added upon acquiring the account. FCR is charging me a total of {$170.00} 00 above anf beyond the original debt. 

7. I have now paid over {$53.00} above the original debt yet FCR is saying I owe them {$110.00} more.

8. As a consumer, I am being taken advantage of by FCR 's predatory and unfair collection practices. Especially after I have advised FCR repeatedly that I was experiencing financial hardship after health injuries and involuntary unemployment. 

9. I am requesting that CFPB assist me in having FCR consider the debt as fully paid since I have already paid them over {$53.00} more than the original debt and alert XXXX the balance has been paid in full so I may continue to do business as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The economy is bad but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense XXXX XXXX XXXX. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX have falsely represented them self at Superior Court New Jersey to collect the debt which XXXX XXXX XXXX XXXX XXXX didn't own it nor have any contract in place to collected on client behalf. XXXX XXXX XXXX XXXX XXXX bad intimidation and harassment have cause me pain and suffering and must pay by the State and Federal laws described it in 15 USC law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

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 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I WANT TO KNOW WHY IT WAS CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: AZ

Complaint narrative:
I requested Experian to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Experian of the Fraud, Experian responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the Credit Entry which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} + {$19000.00} which is a total of {$51000.00}. I never owed that much money! Not even close!!! 

I did find out that XXXX and XXXX XXXX are XXXX of Experians biggest customers and have learned through similar law suits that Experian " Favors '' it's largest, highest paying clients in dispute matters. Experian has allowed this Fraud to continue for over XXXX  months now. CFPB, you will see that this is a Fraudulent act, committed by Experian to make sure it keeps it's highest paying customers happy. After Experian allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Experian continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Experian. The next question will show the Fraud by Experian and what I would like the CFPB and Experian to address... 

*****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX shows I only owed {$32000.00} ( Attached ), *****Why is CARMAX collecting {$51000.00}??? ********* They have a XXXX of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! 

CFPB needs to get involved and penalize EXPERIAN for allowing false entries for it's favorite customers. This is my XXXX dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported XXXX  % Correctly. After XXXX  months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Experian Account, or face prosecution for damages to my credit history. 

REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? EXPERIAN - OBEY THE LAW! 

REMOVE IT, NOW!

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 2024-06-24 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief