vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: FL

Complaint narrative:
HI 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 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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was the victim of fraud which involves the physical stealing of a victims phone and passcode. With this information, a criminal can access all of the victims financial accounts from their phone, while locking them out of the phone completely. I was a victim of this fraud and it resulted in {$2700.00} of fraudulent transactions occurring across multiple mediums including XXXX, XXXX, ATM withdrawals, and XXXX XXXX transactions on my JPMorgan Chase Bank checking account ( and other accounts, but this complaint is related to Chase only ). These were all completed with my stolen phone and stolen passcode information. Majority of the transactions occurred on XX/XX/2023, and I alerted Chase within hours, which fulfilled my obligations under the EFTA which lawfully limits my liability to {$50.00}. Since XXXX ( it is now XXXX ), I have raised multiple disputes and appeals with Chase attempting to resolve this issue with no progress. They have continually rejected my claims, and are not taking into account the significant evidence I have provided them to demonstrate that the transactions were fraudulent. I have spent hours on the phone over many phone calls to try and resolve this issue. The most recent attempt was on XX/XX/2023 and Chase rejected the claims again. They have used the same grounds for each rejection : that "... you must have authorized these transactions because they were completed with your phone ... '' even though I have explained multiple times over the phone that my phone and passcode were stolen from me. I also wrote Chase a 78-page letter completely explaining the situation and how the theft arose, including details of other financial institutions that were affected ( who have refunded me the disputes ), but they still rejected my claims after reviewing this letter. I have attached the letter but truncated some of the pages to meet the XXXXpage CFPB letter XXXX I deleted the phone records and other less necessary pages to meet XXXX pages ). I suggest you review this letter as it gives a complete picture of what has occurred with all of the relevant information required to make a decision. The first XXXX pages discuss this, with the remainder of the pages are comprised of account statements, police reports, phone records, and evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-06-08 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: NJ

Complaint narrative:
To whom it may concern XXXX XXXX has violated my rights : account number XXXX account number XXXX account number XXXX account number XXXX and account number XXXX Also XXXX XXXX XXXX XXXXXXXX account number XXXX I did not authorize anyone employed by these companies to create a account in my name and or furnish any of my personal information this is a violation of Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX alerted me that Bank of America had opened an unrequested credit card in my name. I was a co-signer only on my late father 's XXXX account. I called XXXX, and they cancelled the card. I asked for a copy of the application, which I'm entitled to, but they never sent it, which leads me to believe there was none, which indicates the bank itself initiated the application.

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I was alerted of a hard inquiry on my credit report by XXXX. TD bank, a bank that I do not conduct business with, had received a request for a credit card with all my information without my knowledge or consent. I reached out to TD bank on XX/XX/XXXX and they said they could not find any account open under my name. I contacted XXXX and requested for the hard inquiry to be removed from my credit history and an alert of identity theft. On XX/XX/23 I receive at my home address a credit card from TD bank with a {$15000.00} credit limit. I reached out to them again and reported this as fraudulent and requested to close and remove the hard inquiry from my credit. They were very unhelpful and refused to provide me any information on how they obtained my social security number, personal information and consent to pull my credit and open an account under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-06-08 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: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: MS

Complaint narrative:
Ive been mistreated and Mislead from day one.XXXX Carmax Auto SuperStores , Inc has failed to provide validation of the debt, has repossessed my vehicle XXXX XXXX, and rejected my payment tender to recover my vehicle as of XX/XX/2022. They have broken the laws Congress 15 usc 1692F, 15 USC 6802, 15 USC 1692A ; K. The amount that was financed to me and/or credited on my behalf was {$29000.00}. The cash value of the car was {$30000.00}. Carmax practices in TILA but they are not doing their due diligence to make sure consumers rights are protected at the time of the consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LA

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2023-06-08 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-06-08 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have filed several disputes with XXXX and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called XXXX on XX/XX/ to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show XXXX actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and National Credit System. I have given XXXX my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: IL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
First of all how is it legal for a company to charge % XXXX interest? I realize how stupid now I was but desperation to keep a roof over ones head leads to stupidity. Now they just take money out of my checking account anytime they want. I have been in the hospital several times recently. Not making an income currently and now have hundreds of dollars in overdraft fees due to advance financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: GA

Complaint narrative:
The consumer reporting agency Account Name & Account number was properly investigation. But how is that possible if the account is fraud and I am a victim of Identity Theft. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report as well. The following accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom this may concern. My name is XXXX XXXX XXXX. I have done everything in my power to properly fix the issues that are on my credit report. I reached out to all3 major credit bureaus and followed their instructions to the T, only to be ignored. I SENT OUT MULTIPLE LETTERS Certified and 1st class, ONLY TO BE IGNORED. I never received any updates, I haven't seen the status on my credit report updated to in dispute which means all 3 credit bureaus are in grave violation of my consumer rights! I have taken the time to research and also work with consumer protection attorneys that have told me that this can be handled in court which I do not have time for but will consider if this final attempt does not work! BY LAW my dispute should have taken no longer than 45 days. I have not heard a single word from ANYONE regarding my complaints. Seeing as these companies are in violation of my rights I would like all of my complaints addressed as followed. Deleted or updated to positive. I have all of the proof that. I have gone about this in the manner I was instructed by these companies and I will not allow them to violate my rights as a natural person! 

Certified Mail Tracking Numbers : XXXX XXXX XXXX First Class Letter Send Dates XX/XX/2023 ( Experian, XXXX, XXXX ) All others attached on letters

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 2023-06-08 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: MO

Complaint narrative:
HI 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 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 2023-06-08 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: NJ

Complaint narrative:
To whom it may concern while checking my most recent credit report I noticed an account that I did not authorize XXXX XXXX XXXX account XXXX XXXXXXXX has violated my rights. This is a violation of the Fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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.

Complaint narrative:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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