vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 2024-04-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 explanation
Consumer complaint received 2024-04-25 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
We are looking for your assistance in getting Chase Card Services to sign and return an affidavit.We are not asking Chase Card Services to do anything other than return the affidavit, which I have attached to this complaint. 

On XX/XX/2022 my bank issued a XXXX XXXX check on my behalf to Chase Card Services in the amount of {$2500.00}. 

On XX/XX/2022 I noticed I had a late fee on my Chase Card Services account. I contacted both my bank and Chase Card Services. It was determined the check had been intercepted by an unintended party and endorsed on XX/XX/2022. I obtained a copy ( front and back ) of said check from my bank and presented it to my local Chase Bank branch as directed. A copy of the check was also submitted to Chase Card Services. I have attached a copy of this check. 

After some research, Chase Card Services confirmed they did not receive or cash this check, but have been unwilling to sign the affidavit acknowledging they did not receive the payment.The bank where this check was deposited requires the affidavit be signed by the intended party to whom the check is made payable, which in this case is Chase Card Services. Once the affidavit is signed and returned by Chase Card Services this will allow my bank to dispute the transaction so that I may receive credit for this payment. 

We are contacting you as a last resort, as we have made numerous three-way calls between myself, my bank, and Chase Card Services to get this matter resolved. Chase Card Services has been unwilling to sign the affidavit. This process has been going on for eighteen months and I feel this matter should have been resolved by this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX with Experian. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2024-04-25 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
On or about XX/XX/2024 I requested my all of my information be removed from LexisNexis ' database. Instead of removing my information LexisNexis placed a freeze on my account, which I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act of 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
Repeated calls and voicemails, exceeding 7 calls in 7 days multiple times. On XX/XX/year>, I was 9 times by this collector. I spoke with a manager at the company on XX/XX/year> at XXXX XXXX  for 8 minutes, and asking for them to not contact me again. I informed the manager that the company has been harrassing me, and she said I would not hear from them again. They kept calling me, that very same day, and have not stopped since.On XX/XX/year>, I received three voicemails from this collector, at XXXX, XXXX, and again at XXXX from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$7500.00} XXXX - XXXX {$0.00} XXXX XXXX XXXX  - XXXX {$370.00} XXXX - XXXX {$600.00} XXXX XXXX XXXX - XXXX {$600.00} XXXX XXXX XXXX XXXX  - XXXX {$570.00} XXXX XXXX XXXX - XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$3400.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$690.00} XXXX XXXX  XXXX - XXXX {$470.00} XXXX - XXXX XXXX {$330.00} XXXX XXXX - XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXXXXXX {$360.00} XXXX - XXXX XXXX {$310.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In approximately XX/XX/2024, I used my travel rewards points to book flights for a spring break vacation. I continued to check the Capital One Travel site which confirmed all of my flight information. On XX/XX/2024, the day the flight was to depart, I went to check-in with XXXX XXXX and was informed that the flight to my destination was canceled weeks ago. ( Yet, the return flight was still confirmed. ) I was never alerted by Captial One and my Capital One Travel Trip Page did not document a change or cancelation in flight. Therefore, I had to book new one-way tickets for {$2000.00} so that we could make it to our destination. This also resulted in us having to fly out a day later and into a different airport. We had to pay additional rental car fees due to flying in and out of different airports. The Capital One Travel Trips Page still does not document that the flight was ever canceled. To date, we have received zero compensation and our reward points have not been reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
- {$10.00} Direct Debit : XXXX XXXX, XXXX, XXXX XXXX Mon, XX/XX/year> XXXX XXXX  Account Checking Category Other Card XXXX - {$400.00} ATM Withdrawal Wed, XX/XX/year> XXXXXXXX XXXX  Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX - {$400.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX  XXXX - {$400.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX {$100.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX  Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX - {$400.00} ATM Withdrawal Thu, XX/XX/year> XXXXXXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX {$360.00} XXXXXXXX XXXX XXXXXXXX XXXX Thu, XX/XX/year> XXXX XXXX - {$200.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - {$400.00} ATM Withdrawal Thu XX/XX/year> XXXXXXXX XXXX Account Checking Cash Withdrawal Card XXXX - {$180.00} ATM Withdrawal Fri, XX/XX/year> XXXXXXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX  XXXX XXXX {$150.00} XXXXXXXX XXXX XXXX  Thu, XXXX XXXX, 2023 XXXX XXXX  Account Checking Category General Shopping Description XXXX XXXX XXXX XXXX, FL, XXXX XXXX  XXXX - {$360.00} XXXX XXXX XXXX Florida Thu, XXXX XXXX, 2023 XXXX XXXX Account XXXX Category General Shopping Description XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX - {$10.00} XXXX Debit : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Mon, XX/XX/year> XXXX XXXX  Account Checking Category Other Card XXXX - {$10.00} Direct Debit : XXXX XXXX, XXXX, XXXX XXXX Mon, XX/XX/year> XXXX XXXX Account Checking Category XXXX XXXX XXXX None of these transactions was authorized by me or place by me. Im sending this to you guys so you guys could help me. Ive been complaining and been calling and they havent again, savings account been resolving these problems. They were just simply send me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX - XXXX I demand immediate removal of this disputed item from my credit report. 
Furthermore, I expect to receive an updated credit report reflecting this removal within 30 days of the item 's removal. 
Moreover these INQUIRIES were not done by me. I remember doing NO BUSINESS with this FINANCIAL INSTITUTIONS. 
XXXX - XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We applied for a mortgage pre-approval through our bank, which ran a credit check. Almost immediately afterward, we started receiving phone calls and texts every XXXX to XXXX minutes purportedly from mortgage lenders with details including our name, address, and previous mortgage amount. The calls and texts are ongoing every XXXX to XXXX minutes. I did not know credit bureaus selling our information was possible or that we could opt out. We opted out immediately, but the damage has been done. Our phone service provider can't block the calls or texts, and we can't get them to stop. Some numbers call repeatedly. Some numbers are spoofed with our area code. Is there anything CFPB can do to help?

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