vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THIS IS NOT MY INQUIRIES PLEASE DELETE THIS. I NEVER AUTHORIZED THIS AND IT IS NOT LINK TO ANY OF MY ACCOUNTS. I HAVE NEVER APPLIED UNDER THOSE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Money taken from my account multiple cards on my account that were not authorized by me I open reopened my transactions up for 2 years and they still just keep telling me the same thing for 2 years pending pending pending and they gave me money back on to my account for no reason then give me no reason why but won't look at my claims or honor my claims I reached out to them many times I sent them documentation they still continue to not want to extend the hand back and the lawsuit that they were just in that sounds a lot of familiar with mine they just gave me back XXXX in {$1.00} Bank of America Miss interpreting fees and they took out of my account and they didn't start giving me anything back until I opened up my claim again but they don't want to look at my claim and they want to honor my claim and they've been taking money from me from day one I don't know but somebody there's leaking information or giving people 's information away because I don't know where these cars came from and they will use on my account and towards my name and my account and I needed that money when I have had any independent I'm a single mom I have XXXX XXXX they don't care about any of that and I filed so many hardships and complaints it's not even funny well over a XXXX still no outcome or no nothing I don't think making America should be getting away with taking people 's money because they're still doing it they've been doing that to me and then putting mysterious money on there and not telling you reason why and all of them just keep telling me misleading information and I feel like I need an attorney this is not right what they do to hardworking people holding their money keep they never let you get the money when you have anything you always put a hold on you then they take out all these extra fees for what and they don't stop the bad people that are compromise your 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
This {$250.00} fee should have been refunded. 

Please confirm and provide proof please. 

See attached ; dateXX/XX/2023. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied in XX/XX/XXXX. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/XXXX the balance still reflects {$710.00} on 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 non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied inXX/XX/2022. I did have correspondence with them and they acknowledged that it would be removed. However todayXX/XX/2023 the balance still reflects {$710.00} on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My XXXX account was paid off. I checked my credit 6 months laterXX/XX/2023 and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied in XX/XX/XXXX. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/2023the balance still reflects {$710.00} on 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I recently reviewed my credit report on XX/XX/XXXX and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information onXX/XX/23and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -XXXX XXXX ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance XXXX : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided Capital XXXX : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) XXXX XXXX : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX 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 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 reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
The property management company did not notify myself, my sublessor, or my guarantor that there was a debt owed as of XX/XX/XXXX. The debt was turned over to a collections agency in the name of my guarantor on XX/XX/XXXX. This is illegal as debt needs to be over 30 days old in order to be turned over. I emailed property management on XX/XX/XXXX, when the notice was received. I was told it would be looked into, there have been two attempts to follow up to no avail. I do not know what this debt is for, and it was illegally sent to a collections agency too early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My account was hacked at chase my identity was stolen and being used, someone reverse payments to every bill I had ever made using a bad check that chase did not verify, This happened on XX/XX/2023, chase did not do any verification the day of the incident, chase gave them everything, I made fraud reports, police report etcAm now in the hole and I have been paying back money that I already paid, chase didnt protect my account or money, chase closed my account and took all money including the money they gave away, and told me my account is closed and they is nothing they can do and they will not refund my money back, because they gave the credit to whoever hacked my account, I have proof of everything along with the person who hacked my account, am behind on my mortgage and bills because of being hacked and fraud, I blame chase for this and they should pay me back every single thing they gave away they failed to stop the fraud and they failed to stop to bogus check that was used to hack my account. What must I do or what can I do to get my money back from chase they are refusing to refund me and has closed my account due to me being fraud how is this even possible, I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.Please remove the following accounts : XXXX XXXX XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax unlawfully created a new credit file on me, showing no credit history and thus a low FICO score, causing my existing credit accounts ( personal and business ) to have interest rates increased and lines of credit ( LOC ) decreased. Much financial harm was caused during the time it took Equifax to find my lost file. Now I address new concerns, as follows. 

I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX My personal address on file are : XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( Office ) My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Experian and XXXX to correct incorrect information that is showing on my credit report. Both companies are refusing to delete the incorrect reporting information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. Both companies have been given several chances to update the information. Instead, I am getting that the accounts have been verified. How can an account be verified when the information reporting inaccurate. XXXX disputes on this account was done on XX/XX/XXXX andXX/XX/XXXX Each time the information came back verified. Experian disputes was done on XX/XX/XXXX XX/XX/ and XX/XX/XXXX 

According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : Acceptance now and

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