vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a personal checking account with Chase Bank account on Thursday XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX deposited {$6000.00} in US currency XXXX I.e., cash and a cashiers check for {$74000.00}. After the account was opened, I asked the XXXX XXXX to assist me with a domestic Wire Transfer in the amount of {$5500.00}. I was the recipient of the wire transfer. 


An XXXX later, I got a call from Chase to XXXX me that the wire transfer was denied because the funds that I deposited would not be available until the next Business day even though I deposited {$6000.00} in cash. The Chase representative asked me the reason doer the wire XXXX told me to resubmit the wire on Friday XX/XX/XXXX. 

On Friday XX/XX/XXXX, I t returned to the same branch and requested the XXXX XXXX to walk me through the steps to initiate a wire Transfer from my account myself. 

I resubmitted the same witw transfer that the branch XXXX completed on Thursday XXXX, which should have been approved since I deposited {$6000.00} in cash. 

Within XXXX minutes of resubmitting the new wire transfer. My online account was abruptly locked supposedly due to suspicious activity and was told to contact the chase XXXX department and. after being on-hold for XXXX minutes on-hold, I was told that Chase made the decision to close my account without any explanation or reasons. 


After this happened. I spoke with the branch XXXX to find out what happened, and after the branch XXXX called the back office. they wouldnt tell him anything either. 

I inquired about getting my funds in the amount of {$80000.00} and was told the bank was holding my {$80000.00} for XXXX business XXXX calendar days with the excuse that Chase would be conducting review before my funds would be sent to me. Since the bank made the arbitrary decision to close my account there is nothing to review. 

I demanded that my funds be returned immediately and was given the same XXXX  excuse about the need for XXXX conduct a review. The bank is using my {$80000.00} funds free of charge and limiting access to funds. To further exacerbate the issue, I told the bank that was leaving for a trip to XXXX XXXX on Sunday XX/XX/XXXX for XXXX month and the bamk wil not release my finds until XX/XX/XXXX. 

There is no valid reason for Chase to have free use my funds for XXXX calendar days and I need your assistance to immediately receive my {$80.00} prior to my departure to XXXX XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MO

Complaint narrative:
This account was charged off on the following date XXXX, 2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history, This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX account 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 2024-09-21 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: NV

Complaint narrative:
Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX - City, State, Zip : XXXXXXXX XXXX XXXX  Social XXXX **Date : XX/XX/year> Company Information : - Company Name : XXXX XXXX XXXX XXXX **Subject of Complaint : ** Reinsertion of Deleted Information on Credit Bureau File **Complaint Details : ** I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX regarding the unauthorized reinsertion of information on my credit report that was previously deleted. 

**Background : ** 1. **Account Information : ** - Account Number : unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXX Type of Account : Auto Loan 2. **Timeline of Events : ** - On XX/XX/year>, I discovered that inaccurate information related to my account was reported to the TransUnion credit bureaus. 
- I disputed this information with the credit bureaus on and the information was subsequently deleted from my credit report. 
I noticed that the previously deleted information was reinserted into my credit report without my consent or notification. 

**Nature of the Complaint : ** The reinsertion of this information is not only misleading but also detrimental to my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I understand that a creditor must provide proper notice before re-inserting any information that has been previously deleted. I did not receive any such notice from XXXX XXXX XXXX XXXX, nor was I given an opportunity to dispute the reinserted information. 

**Impact : ** The reinserted information has negatively affected my credit score, making it more difficult for me to secure loans and affecting my overall financial health. I believe this action by XXXX XXXX XXXX XXXX is a violation of my rights under the FCRA. 

**Resolution Sought : ** I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the FCRA . Additionally, I seek the following resolutions : 1. Immediate removal of the reinserted information from my credit report. 
2.Assurance that proper procedures will be followed in the future to prevent similar occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.

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 2024-09-21 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: VA

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 XXXX falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, 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 2024-09-21 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: OK

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 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 2024-09-21 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: OK

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. BANK XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 


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 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 2024-09-21 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:
Subject : Final Request for Removal of Inaccurate Collection Account XXXX XXXX XXXX # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. 
Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should b reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification has been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. Please remove this collection account from my cred
it report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, 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 2024-09-21 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: MA

Complaint narrative:
To Whom It May concern : There is currently an inaccurate item being reported on my credit report from XXXX XXXX. I have contacted this company at the address provided on my credit report here : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As you can see, I have enclosed a photocopy of my mail being returned from the XXXX XXXX due to invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

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 2024-09-21 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and overall credit health.

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 2024-09-21 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: FL

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 and 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 explanation
Consumer complaint received 2024-09-21 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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-09-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a XXXX  party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: OH

Complaint narrative:
I recently discovered that a student loan account from the Department of Education ( serviced by XXXX ) has been reported on my credit file, but I did not attend school during the years in question. This account is inaccurate, and I believe it is damaging my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, creditors and loan servicers are required to report accurate information. XXXX has failed in this regard by reporting a loan for periods when I was not enrolled in any educational institution. I also believe this could violate the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692e, as it constitutes false representation of debt. 

please remove the following accounts below as they are inaccurate. 

DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$2300.00} DEPT OF ED/XXXX  XXXX  DATE OPENED : XXXX AMOUNT : {$2500.00} DEPT OF EDXXXX XXXX DATE OPENED : XXXX AMOUNT : {$2600.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$4000.00} DEPT OF ED/XXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4800.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$7600.00} DEPT OF ED/ 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 2024-09-21 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv bought this account from XXXXXXXX XXXX XXXX. I never had an account with this bank. The account was closed out and was reported as positive and with a {$0.00} balance. Lvnv than bought this account and said I owe them {$630.00} as I don't owe them anything. I have submitted numerous documents to them and they are REFUSING to remove this frivolous account from my credit report.

Company response to consumer: Closed with non-monetary relief