vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
I noticed a unfamiliar pull on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Requested for bankruptcy to be removed because it was dismissed.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Every 4 to 6 months, these debt collections show up on my credit report. They are always from the same companies. These are XXXX XXXX XXXX and XXXX XXXX. This has been going on for several years. At first, I was disputing them. I never received any information on action taken or why they were there. After a month or so, they would just magically disappear. Lately, I have been ignoring them and the same thing eventually happens. The problem is that these reports are destroying my credit ability. Are these different agencies not responsible for keeping records of these transactions and letting me in on what is going on? I am at the end of my patience. I was so glad when I found out about this place where I could get help. The agent I first talked to was very helpful and very patient. His name was XXXX, and I am very grateful to him for his assistance.

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 2024-04-10 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: AZ

Complaint narrative:
Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ID THEFT ACCOUNTS- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS XXXX forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached. this is now escalated to courts for fines related to multiple violations

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX chase bank who i bank with sent my mortgage ( i do not have bill pay through the other bank. I set up a one time payment to be sent on the XXXX because i recieve money on the XXXX of each month.the XXXX landed on a sunday so it came early Right when my money hit my account on the XXXX XXXX payments of XXXX $ each were taken out and sent to mortgage bank leaving me with no money. I set up One payment to be sent on XXXX. I needed to pay my mortgage so i called customer service and after 3 calls ( i had to get a bit agressive and told them its my money i want it back ) they reversed it. The night my money was taken i had to tak my sons dog to XXXX XXXX. He needed to see the XXXX  and we were told his XXXX XXXX XXXX. I was on the phone with customer service crying for my money and he said that i set up the payments because nobody but me has access to my account. 
2 years ago right after i left for 7 weeks in XXXX the same thing happened at same time of year but all my bills were being sent out 2-3 times during month with random amounts and really depleating all my travel money.. Again i had to spend allot of time listening to these people telling me i set it up. Chase bank also told me i had to contact all the companies myself - no spology- no help with anything. 
With this time they sent both mortgage payments back when i asked them to send one in tto the mortgage. My payment was late dinging my credit and the other bank charged me XXXX $ late fee. I ten found out that chse Sent XXXX  & XXXX XXXX payments in XXXX. And XXXX last month. I have it set up to send XXXX $ a month. XXXX payments of XXXX and oe for XXXX $ all on random days- last molnth the same. 2 years ago the same thing happened. I want them to see what the issue is with my account- these people actually hve the nerve to tell me i set it up- i have also been to the branch 3 times- the llast one was day before yesterday for 2 hours only to have the same lady tell me again thst i st it up. That is shere ignorance if not stupidity because who in their right mind would set up their mortgage tobe taken out 2 times. XXXX XXXX is who i had 2 meetings with she was supposed to talk to the manager XXXX who i spoke to first and daid she would call me and never did then snne was suplosed t o call me back " probably first thing in the morning- '' i even emailed her and she has not responded. Branch is in XXXX XXXX California. Both these women should not be working there. 
I am so frustrated with these rude people. She said there is no tech support number that i could call. This company is awful- the manager never called me back as well. So here i am contacting you because this establishment wont even give me the late fee the other bank charged me for their mistke. If you have any referrals to other compaints i can make i would appreciate it because this is sheer insanity. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2024-04-10 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir or Madam : I've been notifying Transunion that the information on my credit report are inaccurate, my identity has been stolen and used for fraudulent purposes. Someone has used my identity to engage in the following type of fraudulent transactions : * Credit cards * Loans * Student loans I'm a victim of Identity theft, this situation turned my life upside down. It is like a nightmare as I'm having difficulties to clear my name and credit report. Please assist me with your help in this case. 

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
* Harassed by debt collector or creditor. 

In addition, I have lost XXXX hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 

I have contacted the following credit bureau : XXXX, XXXX and TransUnion : *regarding the identity theft and to report the fraud. 
* to freeze my credit report. 
* to order a credit report. 

Unfortunately, I have had the following problems with XXXX and XXXX : XXXX still did not clear my credit report after numerous attempts to remove fraudulent accounts from my credit report. And XXXX made it harder for me to even freeze my credit, they basically blocked me from doing anything with my credit report. I have contacted the FTC and filed a ID Theft report. 

I have had the following problems with companies that I contacted regarding my identity theft : They still did not removed the fraudulent accounts from my credit report. 

Please contact me if you have any questions or need additional information. Thank you for your prompt attention to this matter. 

Sincerely,

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: IL

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 2024-04-10 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: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I charged ~ {$660.00} on XX/XX/XXXX using my XXXX  XXXX - XXXX credit card to a XXXX XXXX ( XXXX XXXX ) and had a BankAmerideals cashback offer for 10 % up to maximum of {$65.00}. I have multiple credit cards with Bank of America and chose the XXXX XXXXXXXX card because it was best option for my purchase at the time and I believed it to be covered by the cashback offer. On XX/XX/XXXX - after not seeing the cashback I called Bank of America to ask about the cashback. I was told by the customer service rep my problem and he researched and came back to tell me I was not eligible because the card I had chosen was not eligible due to be being a small business card. I told him this was surprising and that I had carefully read the fine print on the offer and the website where the BankAmerideals are marketed and there was no exclusion of the small business cards. Additionally the portal where the cards are shown does not make any distinction between cards. He told me according to the terms of the cardmember agreement BankAmerideals did not apply to small business cards. I asked him to show me the part of the agreement where BankAmerideals and he said he would look for it and put me on an extended hold- when he came back he said he could not find the provision nor could he tell me where to find the card member agreement. My complaint is that there was apparently nothing in the materials for the BankAmerideals portal or fine print that indicated exclusions of cards and that should be where this kind of information is disclosed - otherwise this is deceptive. Additionally in my case I could have easily chosen a different card if I had known the exclusion. I said to the rep this is deceptive and unfair and I would complain to CFPB. Additionally upon further research I found that when I navigate from the XXXX XXXX to show cashback deals from the XXXX  XXXX page the XXXX offer was available ( now expired ). Further more the FAQs show that business cards are part of the redemption options.

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 2024-04-10 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:
I checked my credit report with Transunion and saw I have fraudulent accounts on my credit report. I did not authorize this, I don't recognize this account. This is being reported by third-party XXXX XXXX XXXX and XXXX XXXX XXXX . Please remove this 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 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

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 2024-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
My XXXX Credit report showed a debt that was sent to collections. The name of the collection agency was Sequium Asset Solution. Their information from the report is : Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Original Amount Owed : {$130.00} The original creditor is stated to be XXXX XXXX. I called XXXX XXXX XXXX and went into their store and even with my social security number they were not able to pull up any accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of XXXX. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any XXXX from any company against me. I have supporting documentation from the XXXX of XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and is you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: AZ

Complaint narrative:
Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, XXXX XXXX XXXX REPORT and validation attached. this is now escalated to courts for fines related to multiple violations

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