vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 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: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
FLAGSTAR BANK , N.A . XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law

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 2023-09-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
YNCBXXXX XXXX  XXXX XXXX It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law

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 2023-09-21 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-09-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XXXX my upgrade card number was duploicated and used at a XXXX over 8 hiyrs away from were I was at that time. There were 3 withdrawals made. They refunded the account fees but the the funds that were withdrawn fraudulently. There representative is the one who informed me that the card number was duplicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2023, I sent XXXX a letter requesting my personal information to be updated and to receive a updated copy of my Consumer Report sent to me via mail. 
I have yet to receive a response!

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2023, I sent XXXX a letter requesting my personal information to be updated and to receive a updated copy of my Consumer Report sent to me via mail. 
I have yet to receive a response!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: GA

Complaint narrative:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following itemsfrom my file. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: NC

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. 

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 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 2023-09-21 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:
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.

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
Consumer complaint received 2023-09-21 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: TX

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. 

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 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My credit report is showing late payments to TOYOTA MTR XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or TOYOTA MOTOR 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mom was a customer at Chase Bank. She passed away XXXX XXXX XXXX Me and my sister are beneficiaries on her account.She had {$1000.00} in her checking account. Chase placed a hold on her account because she would receive a social security payment and the last payment was deposited in her account a few days after her death. Chase claim to put a hold on my mom account because she so called was not entitled to that last payment because it was made after her death and until social security took back the money they deposited they could not release the funds in her account. I then contacted social security because it has already been 7 months since she passed and they had not taken the money out. Social security told me that my mom was entitled to that payment because even though the money was deposited in XXXX that payment was for the month of XXXX and in XXXX she was still alive. They also told me if my mom owed them that payment they would have been taken the money out and that their system shows no overpayment made to my mom. I communicated this to Chase and I keep getting the run around they do not want to take the hold off of my mom account and release the funds. It has been 9 months since my mom passed and there is still a hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2023-09-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: CT

Complaint narrative:
I am writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : 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 2023-09-21 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: NJ

Complaint narrative:
I been Victim Of Identity Theft, Those Account Aren't Belong to me. 
Credit Card Opened by the XXXX Company or Organization XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Credit Card Opened by the XXXX Company or Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00}

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 2023-09-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I been Victim Of Identity Theft, Those Account Aren't Belong to me. 
Credit Card Opened by the XXXX Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Credit Card Opened by the XXXX Company or Organization XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: FL

Complaint narrative:
I am writing to request Experian AND XXXX to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.In light of the newly acquired information, it is imperative that Experian establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :

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 2023-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023, I made a purchase of 14 items with an online retail vendor for {$290.00}. The same day, I received a shipping confirmation generated by the vendor, as well as a XXXX shipping confirmation with a US postal service tracking number. On XX/XX/XXXX, I tracked the whereabouts of the shipment through the USPS website and saw that the package status was : " Pre-shipment label printed; USPS is awaiting shipment from sender. '' I reached out to the vendor regarding the shipping status and am informed that " Processing time for orders is 7-10 business days. '' I reply that the shipping confirmation suggests that the order has already been processed and is now en route to the customer ( me ). However, the carrier has not received the package yet and I am requesting the status of the shipment, not an unprocessed order. Again, the vendor states that they " just print the shipping labels as soon as the order comes in... but the website shows that order processing takes 7-10 business days. '' Having been a long-time XXXX member and former seller, I know that XXXX holds the buyer funds until a seller ships purchased goods. Yet, I continue to wait several days for an update. After 10 business days from the time I placed the order, I contact the vendor. Vendor gives me the runaround several days until I request a refund twice. When it becomes apparent that I'm not getting anywhere with the vendor, I dispute the charge through Bank of America ( issuer ) on XX/XX/XXXX. After that, I open a fraud case directly with XXXX against the vendor, since the vendor used XXXX as the payment XXXX and generated a shipping confirmation to me through them, even though she didn't ship the items. On XX/XX/XXXX, Bank of America notifies me that they have filed the dispute with the vendor 's bank. I receive no other notifications since that time. Today, XX/XX/XXXX, I check the status of my dispute through Bank of America and see that the claim has been closed with a status of " Resolved - Claim not Paid '', with no explanation provided!! I still have not received my order and am out of the money. Now I'm opening this claim against Bank of America for closing the claim with no notification to me -- I just happened to stumble upon it -- and no explanation for the denial nor follow up. As the victim, I am not willing to eat the loss.

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 2023-09-21 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: CA

Complaint narrative:
Experian left a fraudelent address on my credit report of XXXX XXXX XXXX. XXXX, CA XXXX. I have spoken to Experian over a month ago and they couldn't tell me who provide this information. I have also spoke to XXXX and XXXX this was someone attempting to use my credit and to verity a address. I had to put a fraud alert on my credit report because I was getting scam calls. 

Experian refuses to remove this fraudelent address off of 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 2023-09-21 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: FL

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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