vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So I applied for XXXX, freedom flex, and I received email saying that I was not approved because I have high inquiries and when I check my credit app I see that I have a lot of Chase credit card application and I remember that day the system was glitching that I never received an email saying if I got approved or denied so I was applying for so much days that I got tired and I stopped applying and a few days I got three letters on my mailbox saying that I was not approved for Chase freedom flex because I have so much in hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts 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 non-monetary relief
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank restricted my account without any explanation 3 days ago. I deposited all my funds to my chase bank account two weeks ago. Chase bank restricted my account without any explanation. I contacted Chase bank on the phone 3 times, I went to two different branches and asked two branch managers to access my funds, they do not provide any information and they did not release any funds to survive my life, hey do not provide any explanation in regards to why my accounts are restricted. They also deny to close my accounts and release funds. They do not close my account and release my funds. I don't have any money to buy gas, I cant go to work, I cant buy food or I cant pay my rent and bills. Chase bank severely affecting my life and my health causing stress and anxiety every day. I need to close my accounts immediately and get all my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-04-05 00:00:00
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I purchased an upgraded seat on my flight from XXXX to XXXX. The seat was broken and would not decline at all. This flight was not full and there were other options ; however, the staff refused to move me to a working seat for a XXXX hr flight. The only option I was provided was to file a complaint after the flight. I filed a complaint and the only resolution was some airline credits. I have tried to refund the charge both through XXXX XXXX and USAA and neither has provided a resolution. USAA told me they were investigating and then without any follow up just closed the dispute and recharged my card. This is not acceptable. This charge needs to be removed as I never received what I paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting about 12 collection accounts on my credit report that do not belong to me and that may have been open with my stolen information. XXXX has been aware of this for years but continues to allow incorrect information on my report. There is one account that does belong to me that is showing is past due which is inaccurate as well. Because of XXXX neglect I can not get approved for credit and pay high Interest rates. They refuse to correct this matter. The companies refuse to provide a signed contract that has my signature on it because I never contracted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting about 12 collection accounts on my credit report that do not belong to me and that may have been open with my stolen information. XXXX has been aware of this for years but continues to allow incorrect information on my report. There is one account that does belong to me that is showing is past due which is inaccurate as well. Because of XXXX neglect I can not get approved for credit and pay high Interest rates. They refuse to correct this matter. The companies refuse to provide a signed contract that has my signature on it because I never contracted with them.

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 2024-04-05 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: MI

Complaint narrative:
These questions have nothing to do with me and were not asked with my consent. I would like their removal to be immediately updated on 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 2024-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I SENT A NOTICE AND DEMAND TO VALIDATE DEBT CLAIM TO MERCEDES BENZ FINANCIAL SERVICES ON XX/XX/2024 BY CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX WHICH WAS RECEIVED ON XX/XX/2024 BY MERCEDES BENZ FINANCIAL SERVICES FRONT DESK/RECEPTION/MAIL ROOM. FOR HERE ON OUT I WILL REFER TO MERCEDES BENZ FINANCIAL SERVICES AS MBFS. I EXPLICITLY GAVE NOTICE NOT TO RESPOND UNLESS MBFS CAN VALIDATE THE DEBT CLAIM WHICH THEY IGNORED. I RECEIVED A LETTER BACK FROM MBFS ( WHICH IS EXHIBIT # 2 ) IN THE DOCUMENTS I WILL BE DOWNLOADING. I RESPONDED BACK CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ON XX/XX/2024 ( WHICH IS EXHIBIT # 3 ) WHICH I ALSO GOT NOTARIZED. MBFS SAID MBFS WEREN'T DEBT COLLECTORS AND I DISAGREED WITH PROOF SENDING THEM THE LETTER THEY SENT ME ( EXHIBIT # XXXX ) WHCIH WAS TITLED " NOTICE OF DEFAULT AND RIGHT TO CURE & INTENTION TO REPOSSESS '', UNLESS I GAVE MBFS {$8300.00}. NOW IF THAT IS NOT CONSIDERED DEBT COLLECTING THEN WHAT IS IT CONSIDERED AS? FURTHER MORE I RECEIVED A LETTER FROM XXXX XXXX who is the Head Of Customer Relations for MBFS DATED XX/XX/2024 STATING VERBATIM ( EXHIBIT # 4 ) FORTH paragraph. 
" Regarding your claim of exercising your right to rescind, please refer to the section of your contract titled " How This Contract Can Be Changed. '' MBFS ' position remains the same, declines your requests listed in the correspondence mentioned above. your correspondence does not cancel or satisfy any of the balance owed or any contractual obligation. your contract remains in full force and effect. '' I read what XXXX XXXX XXXX recommended that I read, which I did and that section stated that any change in the contract must be in writing which I did with proof. I also have a right to rescind which was ignored and disregarded. ALSO I WILL ENCLOSE THE CONTRACT AS WELL WITH THE CHANGES I INFORM MBFS OF IN WRITING ( EXHIBIT # 5 ) KEEP IN MIND ANY EXHIBITS THAT I SENT TO MBFS THAT ARE NOT FURNISHED WILL CONSTITUTE DISHONOR AND CAN DISRUPT THE FAIRNESS AND INTEGRITY OF THE ADMINISTRATIVE AND JUDICIAL PROCESS. ALSO ENCLOSED IS MY 1099A AND 1099C PROVING THAT THE DEBT WAS DISCHARGED. COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account 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 2024-04-05 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: Nelnet, Inc.
State: NC

Complaint narrative:
The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, XXXX nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-05 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-05 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XXXX XXXX XXXX  i sent a evolope to Experian XXXX and XXXX attached in that envolope 1.idenity theft report 2.Copy of lease agreement 3. Drivers license 4. Social security card 5.dispute letter using FCRA Section 605 ( b ) deals specifically with blocking information resulting from identity theft.

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 2024-04-05 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-05 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: NY

Complaint narrative:
Hello, there is a fraudulent account on my credit report. A collection account under the name of XXXX XXXX XXXX with an account number of XXXX, the debt was bought from XXXXXXXX XXXX XXXX. I have never lived at XXXX XXXX  XXXX. It is shown as a joint account with XXXX XXXX, I do not know this person. I contacted the collection company and the credit bureaus immediately at the realization that my identity has been stolen. After painstaking efforts and a lot of time spent on trying to get my case heard, they have refused to give me the justice I deserve as a victim of identity theft. I am trying to buy a house, this fraudulent account has totally destroyed my credit score and the dream of finally becoming a home owner. Due to lack of knowledge on how these things work, I accepted an offer for a settlement with the collection company hoping that this fraudulent account be removed from payment. But it is still appearing on my credit report, now not only I paid for the debt that was a product of identity theft, this fraudulent account is still damaging my credit score. It is my last hope that CFPB can assist me in removing this fraudulent account from my credit report and make things right.

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 2024-04-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So I applied for XXXXXXXX freedom flex, and I received email saying that I was not approved because I have high inquiries and when I check my credit app I see that I have a lot of Chase credit card application and I remember that day the system was glitching that I never received an email saying if I got approved or denied so I was applying for so much days that I got tired and I stopped applying and a few days I got three letters on my mailbox saying that I was not approved for Chase freedom flex because I have so much in hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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:
These questions have nothing to do with me and were not asked with my consent. I would like their removal to be immediately updated on 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 non-monetary relief
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

Company response to consumer: Closed with non-monetary relief