vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX / XXXX XXXX XXXX. In accordance with Fair Credit Reporting Act. Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each induvial with whom you verified the above, so that I may follow up. Please send me a updated copy of my credit report after your investigation.

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 2024-07-23 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX of 2024, Got charged two with charges on my credit card, one for XXXX dollars and one for XXXX dollars. I locked the card and requested a new card. I was issued a chargeback for both charges, they recently reversed one of the two charges saying that the merchant said it was a valid purchase. The charge that was reverse was the XXXX dollar charge. The email address and phone number that were listed on the merchant copy were not my phone number or email. The charge was issued same day that I froze the card and requested a new card. As of recently I have been using the credit card strictly for gas and the charge I am disputing was not for gas. I spoke to a representative about possibly reopening the dispute but she did not sound confident or give me any any confirmation email or message about reopening the dispute. It is not a large sum of money but I do not want to pay for a purchase I did not make.

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 2024-07-22 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: FactorTrust, Inc.
State: CA

Complaint narrative:
I am a survivor of debt bondage, a reprehensible form of XXXX XXXX  that coerced me into accumulating debts under duress. As a result, my credit report bears several derogatory marks. With the assistance of a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX  survivors, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ). This section mandates credit reporting agencies to promptly remove adverse information linked to trafficking upon filing an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which is only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Evident Capital LLC
State: FL

Complaint narrative:
I applied for a promotional consolidation credit card with Liberty First Lending that offered a 5.99 % APR on their credit card up to {$28000.00}. They did a soft credit inquire and took other personal information. They said that everthing looked good and would transfer me to the underwriters department to process my request. The hold music stopped playing and I then was instructed to leave my name and number on the recording. I couldn't reach anyone afterwards. Their contact number is XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-23 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: MI

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted 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 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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, 4 unauthorized fraudulent wire transfers totalling in XXXX we made from my checking account. Someone impersonating chase called me on the first stating there was fraud on my account. Asked me to log in but my account was locked. They took off the lock had me look at my account and verify my purchases and verify the fraudulent transactions. They said someone was actively trying to send wires so they would send recalls/reversals to cancel the wires. They sent me a verification code and told me not to log in to my accounts jntil the next day because they were trying to catch the scammers ip address. The next day my account was locked. On XX/XX/XXXX, I checked my accounts and they had 6 transfers taking all my money out of my savings account into my checking accounts then wired from my checking accounts to out of state and out of country banks. I filed a fruad claim report and a recall file to dispute the transfer. The claim was then denied and my private bank escalated the claims to BCEG at chase. Both departments concluded that my ip address, one time code and fingerprint loging was verified and they will not do any further investigations. I offered a police report that they will not look at stating the fingerprint is enough to deny the case. The will not investigat further. They will not pull the initial phone call. I did not call chase on XX/XX/XXXX as their system says I did. I recieved a phone call on the XXXX from XXXX. Their system says I called them on the XXXX. But I recieved a call from someone impersonating chase using the fraud line phone number. That phone call is fraudulent. They will not investigate the security system being breached as my loggin was restricted and changed by an unauthorized user. The system is unsafe and chase is negligent for not investigating further. They closed the case without notice and made the funds available to the fraudulent bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. You deleted only one account with XXXX XXXX XXXX XXXX XXXX, but left the one that is still showing late payments on my credit report. It continue to have a negative effect on my credit report. I have never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX XXXX ). Please reinvestigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed completed from my credit report as well. This account was never updated correctly, all you did was closed the account. Thanks.

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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
They called me and said they were out looking for me and I had an old debt to settle and I had to pay upfront. Tried to go on the website and I tried calling them but they won't answer the phone

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 2024-07-23 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: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Incorrect information being reported on my credit report has been a big obstacle in achieving financial freedom. I kept getting denied when applying for new credit because of these errors, it is extremely frustrating, it's negatively impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Incorrect information being reported on my credit report has been a big obstacle in achieving financial freedom. I kept getting denied when applying for new credit because of these errors, it is extremely frustrating, it's negatively impacting my life.

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 2024-07-23 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: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Last week I tried to deposit a check from winning a sweepstakes from XXXX. Rather than simply hold the check, Pentagon federal chose to lock my account for almost 48 hours. After speaking with multiple people, I kept receiving different requirements to unlock the account. After two days, and several complaints, I explained that I have XXXX children and needed to access my funds. The account was unlocked and the check continue to be held. I continue to send multiple documents to prove the validity of the check that I want from XXXX. Even after submitting this documentation my account still had a lock that Would not allow me to remove the funds. My intention was to close the account after all of these inconveniences. Because I requested to cancel my account once the check cleared, they continued to keep My Access from me. Instead of unlocking the account after providing the documentation, my account funds were not permitted to be removed until I called yet again to complain. Now I find that I am receiving Account fees for transactions that should have the funds available. At this point, I have had enough with this bank and feel as though I am being targeted. I maybe called 20 times to resolve the issues. Now, I have to find a new bank.

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 2024-07-23 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: AL

Complaint narrative:
I am a victim of identity theft and informed Transunion of this as soon as I was made aware of an unauthorized inquiry back in XX/XX/year> from XXXX XXXX  and once the account showed up on my credit report in XX/XX/year> along with a XXXX  account appearing on my report the same month ( XX/XX/year> ) with no corresponding inquiry. I provided all this agency with my Identity Theft Report from the FTC along with my dispute letter requesting this inaccurate information be removed. The company claimed to launch an investigation however the results were inaccurate. I wrote a complaint on XX/XX/year> and on XX/XX/XXXX the accounts were satisfactorily removed however on XX/XX/year> I noticed the re-addition of these accounts which has caused damages including, denial of credit, offers with higher interest rates, as well as XXXX XXXX At this point I will be requesting compensation for these damages as a result of your failure to maintain accurate credit information. I will be including supporting documents and expect a prompt response to this matter and a satisfactory resolution, including the removal of the fraudulent accounts and compensation for the damages incurred. You will see attached XXXX XXXX reports due to me not being able to request a Transunion credit report on the Transunion site for some odd reason. I will also be requesting a credit freeze ( it would not allow this request on the Transunion website ) with my letter to your office.

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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> some called my phone impresonating a Wells Fargo employee. They stated that someone in New York was attempting to pass checks in the amount of {$190.00} and {$190.00}. I told them it wasnt me and they stated they they was going to refund the money back to my account. Instead the person did two XXXX transactions from my account to theirs.

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 2024-07-23 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: LCI Acquisition Inc.
State: OH

Complaint narrative:
I am writing to formally request your assistance in resolving an ongoing issue with LCIXXXX XXXX XXXX regarding the removal of inaccurate bankruptcy information from my credit report. Despite my repeated attempts to address this matter directly with LCI/XXXX XXXX XXXX over the past several months, they have failed to take appropriate action. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Date of Birth : XX/XX/XXXX  The specific bankruptcy listing in question is associated with the file number XXXX. I have received a letter from the bankruptcy court confirming that they do not report bankruptcy data to credit bureaus. A copy of this letter has been provided to LCIXXXX XXXX XXXX  for their reference and verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), LCI/XXXX XXXX XXXX is required to investigate and remove any information that can not be verified. Given that the bankruptcy court does not report this information and there appears to be no verifiable source for the bankruptcy listing on my consumer report, I am requesting that LCI/XXXX XXXX XXXX promptly remove this bankruptcy listing from my consumer file. 

Furthermore, per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate bankruptcy listing is a clear violation of this provision. 

Additionally, 15 U.S.C. 1681 addresses the permissible purposes for obtaining a consumer report. I question who granted the credit reporting agencies permission to include this inaccurate information on my consumer report. 

Despite providing proper identification and the letter from the bankruptcy court, my requests have gone unanswered. The presence of this inaccurate bankruptcy information on my credit report is causing significant harm to my creditworthiness and financial well-being. 

I kindly ask the CFPB to intervene in this matter and ensure that LCI/XXXX XXXX XXXX complies with their obligations under the FCRA. I request that they promptly remove the inaccurate bankruptcy listing and notify me in writing of the results of their investigation and the actions taken to correct this error. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation