vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: MI

Complaint narrative:
Experian is continuously reporting inaccurate addresses that belongs to someone else on my credit report. This is unfair is and causing damage to my livelihood and image. Continously reporting inaccurate and unfair information after being made aware multiple times can result in a lawsuit of a XXXX $ per fine.The following address XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX MI XXXX should both be removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I found this as a derogatory account on my credit report and later I find I am being called, daily by this same company, and mostly right when I would be in meetings with company. I spoke with them briefly and recorded on paper, their mailing information so that I could properly address the situation with them, requesting the contract in which if I am to owe them anything, I would have to had agreed and hand signed for it. They have failed to return the document ( s ) requested, therefore providing thus far that this alleged debt is exactly that, alleged and therefore bogus. They have not provided a copy of my written consent to either report my information in a negative manner, or to contact me, especially since there is no debt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked at my XXXX  credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed below are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: 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 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 2024-05-03 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: FL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: GA

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 2024-05-03 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: GA

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 2024-05-03 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am XXXX XXXX  because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX my computer was compromised from someone posing as someone from Best Buy- XXXX XXXX XXXX Everything seemed to be legitimate. I wanted to cancel my subscription and they agreed to take care of that by asking me to chat online with them which I did. When they asked for my XXXX, I knew then something was not right. I immediately got out of the screen. My husband and I went to our Best Buy store and they confirmed that I was not the first person to be scammed with this " XXXX XXXX '' email. 
I immediately contacted my credit card bank, Citi Bank, and they said that a charge of {$9.00} had been made to my account and then immediately afterward a charge of {$140.00} was made. They said that those charges would be disputed and I would be reimbursed and not responsible for those charges. Then on XX/XX/XXXX, I received an email from Citi Bank stating that the reimbursement would be reversed that they had information that this was a legitimate charge. 
Now I am furious because I did not make or agree to this transaction. I started calling the bank, getting tossed from person to person in their " Security Dept '' who makes all kinds of excuses as to why this has ocurred and they will look into it. 
It is now XX/XX/XXXX, I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all from the Security Dept at Citi card Bank. I call every week and get the same runaround. This so- called Security team is a joke and do nothing to help their customers. I am told the same story over and over ... .they will look into it. 
I realize that this is not a huge amount of money. But the fact remains, I did not receive any product, I did not order anything, and I did not give anyone authorization to use my card! This was done by someone who is scamming people and obviously getting away with it. I just want my account credited with the {$140.00} that is due to me.

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 2024-05-03 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: NY

Complaint narrative:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.

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 2024-05-03 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: NY

Complaint narrative:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-05-04 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: NC

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00XX/XX/XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, the wire transfer of {$49000.00} from my fathers account in XXXX XXXXXXXX XXXX arrived in my savings account. 
On XX/XX/XXXX, the wire transfer of {$50000.00} from my mothers account in XXXXXXXX XXXX XXXX arrived in my savings account. 
On XX/XX/XXXX, my checking and savings accounts were restricted. 
On XX/XX/XXXX, my savings account was closed. 
On XX/XX/XXXX, my checking account was closed. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX. No update. My remaining balance in both accounts are suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I filed a consumer complaint through XXXX. 
On XX/XX/XXXX, Chase sent me a letter, insisting that the remaining funds continue to be under review. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, All the remaining funds in both accounts, at the amount of {$2900.00} and {$91000.00}, were suspended for 154 days. I decided to file this complaint through the CFPB and seek attorney consults. 

My checking and savings accounts were opened in XX/XX/XXXX, in XXXX, Wisconsin. My mother and father have sent me wire transfers of similar amounts from XXXX to XXXX to support my XXXX and XXXX XXXX  spendings. 
The wire transfers on XX/XX/XXXX and XX/XX/XXXX from them are planned for buying a house in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I cancelled my insurance with XXXX XXXX XXXX  XX/XX/year> and just recently i was reported to collections. When I called XXXX XXXX told me she accidentally reported me to collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In my previous complaint, XXXX, I specified that I wanted to know why Chase Bank did not respond to our customer 's bank, XXXX XXXX, when the request was allegedly made by our customer through XXXX XXXX in XXXX of XXXX. Chase responded to that complaint stating that the responded to XXXX XXXX that the account had no funds in it, and the response was made XX/XX/XXXX of this year, 8 days prior to filing my complaint. I was told that XXXX XXXX had made more than 1 request and XX/XX/XXXX was just the last time. However, The response letter I received stated, XXXX : " We confirmed that XXXX XXXX sent a recall request for the funds, but there were no funds available for return. We shared this information with them on XX/XX/XXXX. '' This letter is indicating that they shared the information on XX/XX/XXXX, no mention of any previous requests and responses dating back to XXXX of XXXX. I spoke to XXXX from Chase Bank who is the executive office person who handled our previous complaint and she indicated she could provide me with the dates, via email, of all the requests and their response prior to XX/XX/XXXX, going back to late XXXX of XXXX. She told me she could respond by email within a couple of days of releasing the investigation letter in response to my complain ; XXXX. However I did not receive that information and now over a week later I have made several attempts to contact her to request that feedback and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I received a call from XXXX stating they were chase bank and someone had opened a credit card in my name and charged XXXX to it they then proceeded to read off for other of my credit cards # 's- expiration dates and XXXX digit codes and balances. they had my ss # and home address. as the call proceeded they said they transferred to this company CFPB to some one named XXXX XXXX and she had my complete credit report information. she then wanted to transfer me to a debt settlement company. 
I hung up I have now received XXXX phone calls non stop. 


This was complete fraud I have locked my credit reports but I wanted to report that number that called me stating they were from chase bank. 

These are the numbers calling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the Equifax and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do which is a federal government website. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX inquiry date XX/XX/year>XXXX XXXX inquiry date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
From XX/XX/year> until now I have been contacted XXXX times by email and once by mail. I have pictures and screenshots of the fraud. They have stated XXXX different original creditors for the same amount. This was already removed from my credit report and I am being harassed. They have also waited past the limitations to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
In XXXX, XXXX XXXX repossessed my XXXX XXXX XXXX and had denied me membership needed in order to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation