vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have about XXXX XXXX points missing from my Chase XXXX XXXX card. I have been told by Chase that the points I see on my account ( screenshot attached )- which clearly shows I have XXXX points - represents the points I have earned over the life of the account and that I only have about XXXX points that I can use. However I have never redeemed points and have not been given an explanation for where the XXXX points have gone. I have included XXXX screenshots showing I clearly have XXXX points and XXXX screenshot showing that I only have XXXX when I go to use them. The remaining attachments are my secure messages with chase where they tell me nothing is wrong and never provide an explanation for where the points have gone. You can see on the fourth attached secure message to chase that they said they will " no longer respond to this specific inquiry '' so without explaining where the points have gone they have also told me they wont respond to me any further about this matter. My only recourse at this point for an explanation is a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: DigniFi
State: KY

Complaint narrative:
XX/XX/XXXX i paid off the remainder of my account {$250.00} and something. credit report still showing delinquent. I called them had same problem when paying off account had to stop auto pay wait for mail then they found me. same deal when i called today about saying delinguet account on my credit report. they said sorry sir we have no record of you not even by by ss number!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2023 I sent a request for debt validation with my original contract and wet ink signature for accounts with 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 2023-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I received a notice of adverse action on a loan I did not request. I inquired online via XXXX XXXX to explore interest rates but I never intended to request/apply for a loan. I want that credit inquiry and resulting notice of adverse action expunged from any files that have been created and held by XXXX. Also, if the action was reported to any third party ( e.g., Transunion ) I request that the report be rescinded and the record annotated to reflect that I did not apply for a loan from XXXX. Please note that I have contacted XXXX, the credit bureaus, and the XXXX consumer support for assistance in these regards. Please note that I had no intention of applying for a loan from XXXX during my online inquiry of current interest rates. To be clear and for the record, I just want the notice to be rescinded immediately. I am not interested in, and have not applied for, a loan from XXXX. XXXX XXXX XXXX XXXX The company is : Tresl ( Innovative Funding Services ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : 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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX reported a late payment to all XXXX credit bureaus even with my loan obligation being fully satisfied. My insurance company electronically transferred {$9600.00} to XXXX XXXX on XX/XX/23. I'm sharing the receipt of this here. Once I was informed by my insurance agent that payment was made in full, I canceled my last payment. Further, XXXX XXXX sent me a refund of XXXX payments after my account closed for the last week of XXXX and the first week of XXXX due to overpayment made on the account. 
Despite providing evidence, XXXX XXXX refuses to make the changes necessary on my credit report. As a result of this late payment, my credit score has now dropped XXXX points and I am unable to get financing on another vehicle.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion concerning their failure to respond to my dispute, which was mailed via XXXX certified mail, tracking number XXXX, and delivered to TransUnion on XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ), TransUnion had until XX/XX/2023, to investigate and respond to my dispute. However, to date, I have not received any response from TransUnion, which is a direct violation of the FCRA. 

The dispute I submitted to TransUnion concerns inaccurate and incomplete public records that they are reporting for me, specifically under the reference numbers XXXX and XXXX. The details of the inaccuracies are outlined below : Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, XXXX amount field, Blank plaintiff field, XXXX internal notes. 

Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, Blank amount field, Blank plaintiff field, Blank internal notes. 

I have made a diligent effort to dispute these inaccuracies in my credit report with TransUnion. However, despite the legally mandated XXXX window for investigation and response, TransUnion has XXXX to comply with the FCRA guidelines 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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please find the attached documents. I urge the bureau to investigate these accounts, falsely reporting me as late, without any delay.

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 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I got a text from Wells Fargo saying a transfer was trying to go through and if I did not do it please call and listed a number. Just as I try to call I get a call from Whomrepresented himself as XXXX XXXX XXXX. I said how do I know that and he said look at the number I called you from and see that it matches the phone number on back of my debit card. It did. He said this fraud is trying to go through a XXXX party and he needs to stop it before XXXX that night but needs me to help. He got info from me and sent XXXX XXXX from my account {$9800.00} and sent a wire transfer @ XXXX to a XXXX account # XXXX XXXX XXXX. 
He said he would call me back next day to see how investigation is going and he did. Then he said he would call again the next day but did not. I then happen to see photos on my phone that I did not take and they go back to XX/XX/XXXX this year. Then I see boarding passes in my digital wallet that are not mine. 
So I called XXXX and they said they did not know of any claim of fraud filed!!! So I filed one right then. Then went to XXXX XXXX XXXX XXXX Police dept to file a case ( # XXXX ) with XXXX XXXX XXXX ( XXXX. 
Then I went to Wells Fargo to close accounts and open new one and debit card ( XXXX and # XXXX ) and then I went to an XXXX store to see what happen on my phone. They said thbe criminal had put himself ( XXXX ) as an entrusted number on my phone. He also had put a different number ( XXXX ) to forward all of my calls to!! 
So I have a claim with XXXX supprtXXXX XXXX XXXX for XXXX {$9800.00} XXXX XXXX to get that money back Claim # XXXX. 
I can send the pictures from my phone to you if you want them. 
I need help to get the {$9800.00} and {$23000.00} back from Wells Fargo. They did not call me about such out of character activity on my account.

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 2023-12-04 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: IL

Complaint narrative:
I was never notified XXXX sold 2 loans and the company XXXX never notified me either.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the

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 2023-12-04 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: MO

Complaint narrative:
Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act 2003. 


XXXX XXXX sol Homeowner at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXX mortgage Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies XXXX TransUnion and XXXX inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act 2003. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX mortgage financial institution is fraud.

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 2023-12-04 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: MO

Complaint narrative:
Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act 2003. 


XXXX XXXX sol Homeowner at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXX mortgage Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies Equifax XXXX and XXXX inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act 2003. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX mortgage financial institution is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Please review the enclosed documents. I request the bureau to investigate these accounts, which falsely portray me as late, despite my consistent punctuality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: VA

Complaint narrative:
!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXXXXXX XXXX  Account XXXX XXXXXXXX Date Opened : XXXX DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXX on Transunion , But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Date of Last Activity : XXXX DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXXXXXX XXXX IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX , A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH 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 2023-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I received a message on my phone from Citibank on XXXX XXXX stating I was in default on my Home Depot account. I immediately called the number in the message and paid the entire amount due. Then I went to look up the account at Home Depot and learned they had the incorrect address listed. I entered the correct address and tried to contact someone at Home Depot but could not. I then called Citibank to explain to them that I have not received any statements from my Home Depot account because they had the incorrect address and I wanted them to get my correct address on the file. I also said I made the payment immediately and I did not want my account to show a late payment. Citi told me they couldn't help me ; it was my problem. I pointed out that I had other Citi accounts and I had never made a late payment or missed payment and that they could not help me. I wished to get copies of the previous statements, but I was not able to do so. I have not been able to get ahold of Home Depot to help at all.

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