vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
I have an auto loan with Broadview, set up to autopay on the XXXX of each month, pulling from an external checking account. Broadview decided to perform an IT system integration over the weekend of XXXX XXXX, and in that process, something must have broken my auto loan autopayment - money was not transferred from my external account to my auto loan, but future transfers in the series remained. I happened to check my account and saw that the auto loan had not been paid yet by XX/XX/XXXX, so I manually transferred the money. but had I not checked, my monthly payment would've been overdue, and I have no doubt that broadview would have charged me a late fee, all because of an error on their end

Company response to consumer: Untimely response
Consumer complaint received 2024-06-04 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: FL

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 2024-06-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX, XXXX - I bid on liquidation.com for unopened returned and unclaimed packages. 
XX/XX/year> - found numerous unresolved customer complaints online about liquidation.com delivering products less than advertised weight, and packages not meeting the threshold of unopened, returned, and unclaimed. 
XX/XX/year> - Called merchant to discuss my findings, and to seek guarantees, but they were closed for the weekend XX/XX/year> - Called XXXX and opened a dispute to the transaction, and added a block to my credit card XX/XX/year> - emailed the merchant with my concerns XX/XX/year> - called the merchant to attempt to attempt a resolution XX/XX/year> - Delivery attempted by the merchant, but I refused delivery, because I was not convinced that the products that were being delivered would match the merchants claim. Also, because i opened a dispute my expectation was that XXXX  would have intervened to ensure the merchant reach out to me to attempt to address my concerns. 

Subsequently, XXXX closed the dispute, overrode my credit card block, and charging my account without reaching out to me for any clarification, nor directing the merchant to reach out to me to address my concerns. XXXX  played judge and jury by allowing the merchant to keep the products, and then charging me for the products- a big win for merchant and XXXX. 

I complained to XXXX about the manner in which they handled the dispute, and they reopened it only to close it and rebill me.

1. I concede I should have researched liquidation.com before bidding on the site. Notwithstanding this Liquidation.com had enough time to respond to my valid concerns. 
2. Liquidation.com has had ample complaints and accusations of deceptive and fraudulent business practices that they should not be allowed to hide behind an " As Is '' claim. 

3. XXXX banks sham dispute resolution process in this instance was unfair and unjust as they did not ensure that the merchant reach out to me to address my concerns prior to closing the dispute. 
4. XXXX  reopened the dispute due to my complaint of unfairness and asked me to submit supporting documentation but still did not ensure that I had an opportunity to get the products or a negotiated resolution from the merchant. 
5. In the end only XXXX  and the merchant benefitted from this transaction as I have no products and no answers to my valid concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-04 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I did not authorize you to run my credit, I didn't fill out any application or sign anything authorizing 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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
someone applied for a credit card using my information... 
I recently lost all my information/bag/phone/identification/passcodes on a trip now someone is masking as me trying to get things on my social. I have a hard inquire I didn't apply for. I would like this escalated and removed, because this was not me. I called the credit company they suggested I put a lock on my account I'm working on that now! 
how I know is I received the application results in my email. I'm trying to transfer over all my information as we speak, please look Into it, my credit is low due to hardship, I wouldn't apply for credit card right now because of that! 
please delete, remove, this inquiry. THIS WAS NOT ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
We are going on a family trip to XXXX and I booked a hotel in XXXX using my credit card. The charge for the hotel showed up along with a {$19.00} fee for exchange rate. I know this is not a large amount but I was not aware of a fee for exchange rates and I feel like this is unfair and abusive fee. None of my other credit cards charge this fee so I called to ask that they do a one time courtesy waiver for me and they refused. Im sorry but that is pretty petty on their part. Ive been a customer for many years and spent thousands of dollars on this card and they cant even waive one small fee for a loyal customer?? This is beyond acceptable and predatory. I just want the fee removed or I will close my accounts both credit and checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: GA

Complaint narrative:
On XX/XX/year> I sent a letter to Trans Union requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

TransUnion, stated that this information would remain and they will not investigate any further regarding this issue.

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 2024-06-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TN

Complaint narrative:
The Following Accounts are fraudulent XXXX XXXX XXXX XXXX Bank XXXX Account XXXX ) XXXX Appliances 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 2024-06-04 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: TN

Complaint narrative:
The Following Accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2024-06-04 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: TN

Complaint narrative:
The Following Accounts are fraudulent XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX ) XXXXXXXX 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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I was taken into police custody. I was released until XX/XX/year>. All the transactions between those dates were unauthorized. There were around 15 transactions made, totaling {$1500.00}. Some of the transactions were XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX ATM withdrawal XXXX XX/XX/XXXX ATM withdrawal XXXX XX/XX/XXXX Cash withdrawal XXXX This isnt all the transactions but some. I provided card company with police documentation stating that I was in custody. I even gave them the police report I filed once I was released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX email : XXXX I have been trying to get the clear for 2 years now. My address, phone and email are above. Remove all addresses other than the XXXX listed, I have never lived in The areas of Delaware that you have reported. This is my life and my information I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. My one and only First and last name is XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for the last XXXX mths now. Update my identifiers. USING YOUR INDIVIDUAL WEBSITES DOes NOT WORK XXXX you cant even reset a password, does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply by written mail again. I have disputed the address both electronically and verbally over a phone call. I don't know these addresses, I don't live at this addresses, I don't recognize this addresses. I have also uploaded a fTC affidavit/ report. for the identity theft

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 2024-06-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I had a charge off auto loan on my credit report with XXXX XXXX services, but I disputed this account because it was paid when I received a XXXX cancellation of debt tax form. XXXX  removed the account and then 1 month later it was reinserted on my credit report with any type of notification from the creditor nor the credit bureau. Is this legal? My credit suffered greatly because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation