vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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 2024-12-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> - Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I requested my 1099-C for a paid off car loan, and they told me they couldnt send it. This is from XXXX XXXX finance through Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a business account with us bank and they close my account for a overdraft that I never knew about on the account my business name is XXXX XXXX XXXX and Ive tried to get my 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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am so very sick and tired of Bank America charging for interest fee 's for no reason at!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 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: AL

Complaint narrative:
Ive identified multiple billing errors on my credit report. These late payments dont correspond to my actual payment history. Please correct these mistakes and update my account records.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Under 15 U.S. Code 1681i, I sent a Formal Dispute and Notice of Violation Under 15 U.S. Code 1681i ( FCRA ) and Requested for Debt Validation and 1099-C Form I'm disputing the validity of the debt reported by DISCOVER BANK and to notify you of violations under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ). Additionally, I requested proper documentation of the debt, including proof of the original purchase agreement that they have failed to provide me.

Violations and Dispute Details : Failure to Validate Debt : Despite my prior requests, DISCOVER BANK has failed to provide sufficient documentation validating the legitimacy of this debt Account # XXXX including proof of a purchase agreement .This constitutes a violation of your obligations under the FCRA. 
Non-Compliance with FCRA : They are required to conduct a reasonable investigation into any dispute I file regarding the accuracy of the debt reported to credit bureaus. Your failure to provide accurate documentation or to ensure the legitimacy of the reported debt is a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi there. I am a victim of identity theft and i have applecard reporting in my consumer credit report. It does not belong to me, i filed for FTC report and sended to credit bureaus to remove that fraudulant account out of my report. But they keep coming up with all kind of nonsense excuses not to remove or delete it. Please help me solve this,, its causing damadge to my score and im planning to finance a home morgage.. thank u in advance

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 2024-12-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi there. I am a victim of identity theft and i have applecard reporting in my consumer credit report. It does not belong to me, i filed for FTC report and sended to credit bureaus to remove that fraudulant account out of my report. But they keep coming up with all kind of nonsense excuses not to remove or delete it. Please help me solve this,, its causing damadge to my score and im planning to finance a home morgage.. thank u in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
Hi there. I am a victim of identity theft and i have applecard reporting in my consumer credit report. It does not belong to me, i filed for FTC report and sended to credit bureaus to remove that fraudulant account out of my report. But they keep coming up with all kind of nonsense excuses not to remove or delete it. Please help me solve this,, its causing damadge to my score and im planning to finance a home morgage.. thank u in advance

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MN

Complaint narrative:
The following XXXX XXXX XXXX XXXX XXXX XXXX account currently listed and showing on my XXXX and Equifax credit report is lost/stolen : XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX credit card is lost/stolen. My lost/stolen XXXX XXXX XXXX XXXX XXXX  XXXX Account Number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: OneMain Finance Corporation
State: MN

Complaint narrative:
The following One Main Financial Bright Way XXXX account currently listed and showing on my XXXX and XXXX credit report is lost/stolen : XXXX. My One Main Financial Bright Way XXXX credit card is lost/stolen. My lost/stolen One Main Financial Bright Way XXXX Account Number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my credit report, I identified accounts that were added without my consent. Please remove these fraudulent entries 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I made a purchase of XXXX and some odd dollars for Black Friday that hit my account on XX/XX/XXXX a few items were lost in route and XXXX refunded my funds on XX/XX/XXXX in which the transaction appeared as a credit and a withdrawal I called XXXX and asked why did they charge me and the stated they only refunded the XXXX that they didnt bill me and that I needed to reach out to my bank which I did and was told it was a known it issue and not to worry the funds will post and the withdrawal will fall off I trusted the bank because a few weeks prior the same thing happened and it fell off but this time it did not the XXXX went through on my account both credit and withdrawal I immediately called navy federal and they opened a dispute and I was given a temporary credit but today I got notice they will cancel the temporary credit and withdraw funds out of my account on XX/XX/XXXX I called navy federal and tried to explain to them that the XXXX that was given was part of the XXXX dollar order I ordered from XXXX on Black Friday that hit my account on XX/XX/XXXX and not a refund for the charge on XX/XX/XXXX that posted on XX/XX/XXXX I didnt think to take a screenshot but I did today with another transaction where I received a refund for XXXX or XXXX and a withdrawal at the same time i am attaching proof of all stated above

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have discovered accounts on my credit report that are incorrect and unauthorized. Please take immediate steps to block and delete these fraudulent items.

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 2024-12-24 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: MA

Complaint narrative:
My credit report has some inaccuracies regarding late payments. These entries do not reflect my typical payment behavior. I request that these errors be corrected and my account updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: AL

Complaint narrative:
I have notified Experian Several times by U.S Mail and Email about inaccurate information being reported on my consumer report and it has been ignored every time. Experian continues to report this inaccurate info. They have also reported addresses that dont belong to me. On my consumer report they are reporting two XXXX  XXXX credit cards. One is paid as agreed and the other is reporting late payments but these are the same accounts. I have requested an investigation and the correspondence I receive from Experian was The Inccorrect account will not be removed from my credit report. This gives me great concern because they are willingly infringin On my federally protected rights as a 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 explanation
Consumer complaint received 2024-12-24 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: MN

Complaint narrative:
My XXXX XXXX is lost/stolen and has fraudulent transactions on the account. I want XXXX  to immediately close the lost/stolen XXXX account . I want XXXX and Equifax to immediately delete and remove the lost/stolen XXXX account from my XXXX and Equifax credit report. I want XXXX and Equifax to report this information to XXXX XXXX and XXXX. My XXXX  XXXX Account Number is : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
My Milestone Mastercard is lost/stolen and has fraudulent transactions on the account. I want Milestone to immediately close the lost/stolen Mastercard account . I want XXXX and XXXX to immediately delete and remove the lost/stolen Mastercard account from my XXXX and XXXX credit report. I want XXXX and XXXX to report this information to XXXX XXXX and Milestone. My Milestone Mastercard Account Number is : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NV

Complaint narrative:
I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX  ; for XX/XX/2024. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. 

On XXXX I received an encrypted email from TransUnion stating that the inquiry will remain on my credit report for two years. Therefore, I sent out a 2nd inquiry removal letter. The letter includes my rights as a consumer etc ( 15 USC 1681 ). 
Note : For days now, I have been trying to request for an re-investigation on the TransUnion dispute website ; there are no button options to access.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and found multiple accounts that I did not approve. Please block and delete these fraudulent entries without 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I booked a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my American Express credit card. Despite arriving at the gate on time and having checked in my baggage, I was denied boarding. The airline incorrectly marked my ticket as a " no-show, '' even though I was present and attempted to board. My checked baggage was also not loaded onto the flight. 

Following the denial of boarding, I contacted XXXX XXXX to request a refund under the U.S. Department of Transportations 24-hour reservation rule, which entitles passengers to a full refund if a booking is canceled within 24 hours. XXXX refused to process the refund, citing the incorrect " no-show '' status. 

I then disputed the charge with American Express, explaining the circumstances and providing supporting documentation, including proof of my presence at the gate and the airlines refusal to resolve the issue. However, American Express declined my dispute and failed to assist in securing a refund. 

The total ticket cost was [ $ Amount Paid ], which XXXX has refused to refund despite their error. This denial has caused significant financial loss and inconvenience. 
Actions Taken by Me : 1. Contacted XXXX XXXX to request a refund and dispute the " no-show '' status. 
2. Filed a charge dispute with American Express, providing documentation of the incident. 
3. Attempted to resolve the matter directly with XXXX and American Express, without success. 

Desired Resolution : I request assistance from the CFPB to secure : 1. A full refund of the ticket cost from XXXX XXXX. 
2. A review of American Expresss handling of my dispute and a reconsideration of their decision. 

This situation highlights a failure to protect consumer rights, and I believe further intervention is necessary to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation