vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After Reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX Date XXXX, XXXX XXXX XXXXXXXX Date XXXX, XXXX XXXX XXXX  Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. TransUnion Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with TransUnion

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 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After Reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX Date XXXX, XXXX XXXX XXXXXXXX Date XXXX, XXXX XXXX XXXX Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. TransUnion Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with TransUnion

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 2024-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase moved the date of my loan origination to XX/XX/2022. I did noy close on this until after this date! The papers were not on file with county of XXXX for the sale until the XXXX and I even checked with sales that I did NOT buy this home until after XX/XX/XXXX date. They are probably stealing millions in extra interest payments form customers this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
Equifax is violating my rights by still continuing to report unauthorized fraudulent inquiries.once again i never applied for credit with these financial places.please help me with this matter.enclosed is id theft affadavit license and ssa card.once agian the fraudulent inquiries are 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt final rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX Main bal. {$8600.00} XXXX XXXX bal. {$12000.00} XXXX bal. {$700.00} XXXX XXXX XXXX XXXX. {$630.00} XXXX XXXX XXXX XXXX XXXX. {$950.00}

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 non-monetary relief
Consumer complaint received 2024-09-12 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: AL

Complaint narrative:
Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home

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 2024-09-12 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and 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 explanation
Consumer complaint received 2024-09-12 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have a debt showing on credit report in the amount of {$10000.00}. I have called and sent letters requesting validation of this debt. I have never heard or done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
I recently reviewed my credit report and recognized unauthorized accounts and hard inquires on my credit report that I am certain I did not make Please provide all documents of the account that is on my credit report I never gave a written consent to report accounts that are identity theft. 
I have attached what is required to delete this account attached. 
FTC report Copy of ID and SS card. 
Current Proof of Address

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 2024-09-12 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: MI

Complaint narrative:
Yesterday I seen a XXXX account on my credit report so I called them they asked me to fill out a fraud report I did and I disputed it with Experian and today they emailed me saying it was fixed but it wasnt

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 2024-09-12 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I used my Best Buy card and after that I started getting messages in my phone and at my house about when my diseased husband opened the account in Fl. Not true since he did not open it. I went to XXXX in GA, and they told me not to worry. I called Citibank Fraud Dept and the second time the customer service told me that she found two credit cards with my husband 's name and recommend closing the accounts since I told her he is dead. I agreed. I did not understand how they are in his name since he never had a XXXX  card. He did not believe on them. Not to mentioned he passed away 17 years ago! Then, I get two ( 2 ) letters from Citibank, no logo, no signatures addressed to the XXXX XXXX XXXX XXXX XXXX indicating to the heirs to communicate with ASCENTION POINT a designated probate to discuss account detail. SO, I AM DEAD!!! INCREDIBLE. Talked several times to Citibank Fraud Dept telling them I AM ALIVE! Now, they sent me a DOC via email to Sign and I am afraid to open it since it might be another spam or fraud Who knows??? 
This is when I decided to contact CFPB for their guidance. Thanks for helping!

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: ID

Complaint narrative:
Statistically middle class americans have their account funded within XXXX business days. I normally do not have my account overdrawn for more than XXXX hours. Recently, I lost my job and am on unemployment. MY account is funded every Thursday. Between Tuesday and Thursday my account was over drawn and I incurred {$XXXX} dollars in overdraft fees XXXX dollars each. 

Once the account was funded on Thursday I called to see if as a courtesy I could get any of the fees reversed. And no one at the bank would help me. Their excuse was that its a computer system and the system will not let them waive any fees. Middle class, and poor citizens pay to fund these banks in overdraft fees. 

The account was funded within 3 days. {$XXXX} dollars per fee is insane. XXXX on unemployment!

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was having financial difficulties, and my car was repossessed. XXXX at the end of month. My credit has been reporting delinquent since I was making any on time payments. I talked with the lender to let them know I would not be getting the car back. They sent me a letter XX/XX/XXXX or so showing what it cost to get my car back repossession fees what the time frame will be to get it back. And when or about it will go auction off. So how can they report on the XXXX of XXXX that XXXXm derogatory of the full amount on the loan, and the car hasnt been auction offed to leave any outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I paid XXXX to XXXX for a bicycle being shipped from XXXX through a add on XXXX but sold from XXXX XXXX sale. I have my receipt there is a contact email address from a XXXX. around XXXX I emailed this address asking for a tracking number an sent me XXXX on XX/XX/XXXX I still havent recieved my package so again I emailed the response I recieved was the item was delivered an would suggest I chk with XXXX as well as my neighbor. I went XXXX step further I contacted XXXX, I was told that the order # was not an XXXX # an suggested that I contact my card company. After going to the post office an being told that is not a usps tracking # an to contact the card company, I then emailed XXXX but was denied communication. At this point I disputed the charge on cashapp an was denied because of a fake tracking itinerary that they based there decisions on saying they fulfilled there obligations. I then broke it down along with sent copies of emails an reciepts an pointed out the fake info. On the receiving company XXXX there page states that if the bank statement does read XXXX then it's a fake acct. I then asked abt tracking, all it says is its been delivered to united states no port of entry no customs no shipping company change nothing about where it was delivered. Because it never has been is why. I submitted the dispute XXXX more times an all XXXX  times regardless of my proof cashapp denies. Again I explained to cashapp that my address isn't united states. All I want is my XXXX back. The seller has offered XXXX  % refund but I refuse to except it. I HAVE NOT RECEIVED MY PACKAGE SO IM NOT SETTLING. I have everything documented. I have uploaded XXXX different tracking itinerary but XXXX won't let It be uploaded

Company response to consumer: Closed with explanation