vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. The following account was not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy 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 2023-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TIDEWATER FINANCE COMPANY, INC.
State: OH

Complaint narrative:
I have been trying since since the beginning of the year to get my payments lowered due to financial hardships and this company refuses. I communicate via phone and email and they would always say they havent talked to me when they have. 
Now when i look on my credit report they are reporting twice under two different names when they are the same company to keep lowering my score and i do not have a vehicle loan with two companies. Something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: NY

Complaint narrative:
in relation to complaint # XXXX I have been divorced for XXXX  years, there should have been no reason for my ex husband to be contacted. It takes XXXX seconds to take the company name and XXXX it to see that this is a debt collector. This to me violates my privacy to people who should not have had any right knowing what phone calls are regarding. The people who were contacted by this company were not listed as people i know in any scenario with the original creditor. I would like to know where the list of names came from before I get my lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/, I went through the ATM at my personal bank to withdraw funds from my checking account using my debit card for unemployment income. My ATM gave me a receipt showing the amount ( {$500.00} ) I wanted to withdraw and showed my balance with that amount deducted, but I received no cash ; the ATM did not disburse my money to me. I spoke with the Bank ATM clerk, and went inside the bank to inquire how to get my money. I was told I needed to contact US Bank ( on whom the card is drawn ), so I called 5 times before getting to speak with a person. I was told that I needed to wait 10 business days to get any resolution ; the situation would be referred to the ( investigation dept? ) for review. I was extremely livid that I could not receive my money right away. I was also told that I would receive communications through the mail ; I have not yet received any type of communications. I believe that my 10 days are up Tuesday, XX/XX/XXXX, at which time, I plan on following up with US Bank to find out if they have resolved their issue. I am being patient as possible at this point. 
In addition to this issue, I feel I being charged overtly incorrectly for the use of my card. Each time I withdraw funds at my personal ATM I am being charged {$5.00}, but I also am seeing I am being charged {$1.00} in addition. I do not understand this and I was not provided sufficient explanation for that. 
I had initially requested having my unemployment funds direct deposited into my personal checking account, but was told that was not possible due to my living in VA am out of that network. I feel that this also is unfair ; it is not my fault that I had to move to VA to be closer to my family, yes it was a choice, but a necessary one. 
Therefore, I feel there is a better option that could be attained for my situation. If a check in the mail, that might be better than being charged for using my own funds. I have been in such desperate attempts to gain employment and after so much time, and so many fees charged to me by US Bank to use the debit card, I have lost much money and also am quite stressed over these issues. 
I need some resolution soon, and I wish there would be another option for me to receive my money. 
Appreciate your help.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed so many items that should be off my credit file I submitted on XX/XX/2023 and XX/XX/2023 and both times they done no investigation and sent the dispute back less then XXXX hours there is no way equifax done a investigation they ask you to send all kind of documents and that I done but I was told its still up to the creditors to make that decision everything is done by what a computer says the dispute number is XXXX XXXX so tried of going through this please help me by investigating and get my credit report correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union has continued to report fraudulent information on my credit reports. I am a victim of identity theft. I have not applied for credit with any of the following intities and these inquiries need to be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a heart to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I have attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a XXXX to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was trying to log in to my CHASE credit card account. I was redirected by a page saying i was logged out due to a security issue. I was directed to call a XXXX # and was then speaking with someone regarding a charge to my account for a purchase for {$200.00} on XXXX. 
I HAD NOT MADE THIS PURCHASE so I continued to listen to how to get the money refunded into my account. 
Then another charge was made TO MY CREDIT/ DEBIT CARD ; this was for {$300.00}. I was able to see these transactions and thought the were illegitimate charges. while following directions he took over my pc, but " accidently '' returned {$3000.00}, not {$300.00}. When this happened I told him to just refund what I was owed and be done with this transaction. He told me I could not do that, I would have to go to XXXX or XXXX and get debit cards to pay them back the $ I was given by mistake. I told him I was not able to go to the store for this and he got mad and I told him I would not be going and hung up! My computer is still trying to update with his scamming program. I do not know how to stop it. I turn off the computer when it starts " updating '', but it is still doing this. 
I have contacted CHASE and they are replacing my card, but not sure which accounts they may have gotten into. I actually saw the {$3000.00} deposit in my checking account. It is not there now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I had lost my purse which had my phone and debit cards. When I had gotten a new phone a few weeks later I had seen that there was an atm withdraw and a XXXX payment sent for over {$2400.00} which the same day I had received my tax refund for {$2700.00}. 
I made reports to my bank which is chime. I had explained everything. I even ordered new bank cards and my claim was instantly denied. 
My ENTIRE tax refund was stolen and have had no help to retrieve it. 
I also requested to know why my claim was even denied and have gotten nothing back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Dear Sir/Madam, I hope this finds you well. I am writing to lodge a formal complaint regarding a refund check that I have not received from American Express. Despite numerous attempts to resolve the matter by contacting American Express agents, I have yet to receive a satisfactory resolution. I kindly request your intervention in this matter and seek your assistance in ensuring that I receive the credit balance refund check in question. 

I am awaiting payment of a credit balance refund from American Express in the amount of {$760.00}. However, I have never received this check. I have made repeated efforts to address this issue by contacting their customer service and fraud teams on multiple occasions. Regrettably, I have been unable to receive any assistance or payment of this balance. 

Throughout the past several months, I have diligently informed customer service agents that I have not received the refund check and emphasized my need for payment. In response, the agents submitted multiple account inquiries to investigate the matter further. However, despite these inquiries, they have routinely failed to contact me about the status of the investigation or offer any resolution to this issue. 

To provide you with a brief timeline of my interactions with American Express : First Inquiry : XX/XX/XXXX Date check was supposedly sent : XX/XX/XXXX Date check was allegedly cashed : XX/XX/XXXX Customer Service Inquiries : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( all in XXXX ) As I have informed American Express numerous times, I have not received this check and have not been made whole. On XX/XX/XXXX, a supervisor informed me that there was nothing else that American Express could do to assist me in this matter. The supervisor even suggested that I submit a police report, despite the fact that the responsibility lies with American Express to resolve this issue. Unfortunately, I do not possess any information about the check number, the account from which it was issued, or the identity of the individual who cashed it, so I am entirely unable and not responsible for filing this report. 

Given the lack of progress and the absence of a satisfactory resolution, I am turning to your office for assistance. I kindly request that you intervene and take appropriate action to investigate my complaint thoroughly. It is crucial that American Express promptly delivers the refund check to me, as I have been waiting for an extended period. 

I have attached copies of relevant documents, including correspondence with American Express, that may assist in resolving this matter. 

Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i notice on my credit report that i kept getting denied for store credit with my favorite shopping store and i checked my credit profile and seen unauthorized Hard inquiries on my credit prolife that is a violation of my consumer rights and i filed my Ftc report so it can be blocked and removed from my credit report these Hard inquiries is not related to me i never gave Equifax permission to furnisher anything on my report they don't have no hard copies on file stating that i gave them consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: MD

Complaint narrative:
I always had a credit builder account with kikoff, I never had a loan installment. When I used to get notifications from them, I thought it was for my credit builder account. They I got an email saying my installment loan was closed! I emailed them immediately and let them know that I never opened a credit loan account for XXXX! Thats insane. They refused to help me. I cant talk to a human on the phone. I have emailed them several times stating that I never opened a credit line with them and they refuse to help me. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/2023 I was notified by XXXX a new Credit account with XXXX was opened in my name on XX/XX/2023. I did not open this account and I believe it is fraudulent as the result of Identity Theft. I have since opened 2 complaints with XXXX XXXX XXXX and they have not resolved the matter. Also I never received any card in the mail. This confirms my fear that it is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX, has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accidenXXXX XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX XXXX credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX each company uses the same account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.

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