vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Complaint Regarding TransUnion, XXXX, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, XXXX, and XXXX, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : XXXX XXXXXXXX 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 Details of the Violations : XXXX. XXXXMetro 2 Compliance Standards : XXXX The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

XXXX. XXXXFair Credit Reporting Act ( FCRA ) : XXXX The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : XXXX. XXXXDeletion of Inaccurately and Inconsistently Reported Accounts XXXX XXXX I request the immediate deletion of all inaccurately and inconsistently reported accounts from TransUnion XXXX XXXX XXXX and XXXX. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
I receive repeated calls, XXXX to XXXX calls every day. They maintain constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
account : Barclays XX/XX/XXXX this account was opened fraud under my name I've reached out numerous times to Barclays to dispute transaction and to close account due to fraud activity under my name. An investigation was opened and recently received a letter from Barclays XX/XX/XXXX saying that I am still liable for this account. I just added credit monitoring service to my credit to avoid this in the future

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 2024-01-17 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: FL

Complaint narrative:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX acct XXXX date opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. acct XXXX date opened : XX/XX/XXXX. Fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 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 2024-01-17 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/1995 SS : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Texas My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifaxx has done nothing. Please help me delete these illegal accounts from my credit reports. Filing for bankruptcy was a result of the Equifax data breach. Attached wil lme Reference number : XXXX ( XXXX XXXX XXXX XXXX XXXX All Hard inquiries XXXX XXXX XXXX XXXX XXXX ( Account number last 4 digits XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
The home secured by the loan burned down, and Freedom Mortgage has been holding all of the insurance funds in escrow. They refuse to return the amount to rebuild or even the overage above the outstanding loan amount. The mortgage company has stolen thousands of dollars from us before, so we were wary of sending them the check, but when we were assured that they would process the amount, and send back the overage we sent them the check. They have been holding the entire amount including an overage of about {$100000.00} with no communication.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I opened an account with Chase Bank online. The next day, I went into my local branch and deposited a {$69000.00} check expecting a 7-10 business day clearance period. However, due to the holidays, I returned on XX/XX/XXXX, only to receive a letter threatening account closure. Upon inquiry, I learned the check was placed on hold due to a third-party verification issue. 
The third party, an old friend with a changed number, readily cooperated with Chase 's verification attempt. Despite this, Chase refused to release my funds, citing the outdated phone number as their sole reason. Even after the third party visited the bank and personally verified their identity, the specialist callously dismissed him and hung up. 
Frustrated and emotionally distraught, I filed a formal complaint with the branch manager, XXXX XXXX. She attempted to resolve the issue by contacting customer service again, eventually reaching a more helpful specialist who verified the check with XXXX XXXX. However, a " hold harmless agreement '' and an additional 5-day wait were imposed. 
Adding to the confusion, I received another letter stating my account was denied due to a low credit score, despite it not being a concern during the initial opening. By XX/XX/XXXX, the account was closed. Thankfully, XXXX persisted and reached a Level III fraud specialist who reopened the account within a day. However, the promised 5-day release of the funds never materialized. 
Today, XX/XX/XXXX, the account remains closed, and Chase claims the check is " in the mail '' without providing any details or a delivery date. This entire ordeal has caused me immense emotional distress, financial hardship due to missed bills, and a deep sense of racial and age discrimination. I believe Chase deliberately took advantage of my situation and exploited my funds for their own gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting a third credit card from XXXX XXXX XXXX that I don't have, with a credit limit of {$9500.00}. 
I try to contact Experian and XXXX  XXXX XXXX several times to have a explanation about this card in my credit score, Experian never showed this card on my credit score before. 
I received a e-mail from XXXX XXXX and Experian on XX/XX/2023 saying that I owed more than {$9000.00} from a credit card that I never seen. 
And I lost XXXX points from my score because of this card. Experian is the only website reporting this credit card. 

I opened a report before and XXXX  XXXX XXXX send me a e-mail saying that they confirmed that I have 2 credit card from there, but Experian still reporting another card from XXXX  XXXX XXXX that I don't have. 
And I'm still waiting for a answer because my score is locked and low since XXXX and I'm trying to buy I house

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 2024-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/2024, I sent a dispute letter and reported a dispute to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$980.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received any response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus.

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.

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 2024-01-17 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: TX

Complaint narrative:
I filed FTC report because I found fraudulant accounts on my report and nobody will help 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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I urge the bureau to start an inquiry into these accounts, as they erroneously mark me as late, despite my punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Review the attached documents. I request an investigation into these accounts, as they incorrectly report me as late, despite my timely payments.

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 2024-01-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an e gift card for Amex and can not use this for anything. It was sent to me via email, so I dont have an actual card. I had won a picture contest from XXXX over a year and a half ago XX/XX/2022 and the funds were sent to me in the form of This e gift card. I can not use it in the stores, as its a piece of paper. I have tried to use it online XXXX and it gets declined. When I called Amex they just tell me to use it at stores. I have gone to my local grocery store with the paper and they said they cant enter it, and I went to XXXX and the same scenario. 

Ive had to pay taxes on this money, so I dont think its fair that I can not use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work two jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my XXXX  XXXX. I insist you remove any and all inaccuracies because it is a violation of my rights.

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 2024-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have been trying to get the check from Wells Fargo that I am due following the settlement in the courts. There is a claim in place but they continue to not answer questions and follow up regarding the processing of my refund. The claim # XXXX. 

I have called several times at # XXXX XXXX XXXX, and I just get the run around from the third party vendor handling the claim. I need help with looking into the status and continuous delays of my claim settlement please. I'v asked to speak to a supervisor. They say they will transfer me to the escalation dept. But when they say they will transfer me the phone just disconnects. It has happened no less that 10 times in the past two weeks. 

I need help with looking into the status and continuous delays by Wells Fargo of my claim settlement please. Wells Fargo is not compliant with the settlement and has no accountability or commitment to customer relations and compliance with the settlement.

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 2024-01-17 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: MS

Complaint narrative:
I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are 2 hard inquiries from XXXX XXXX on XX/XX/year>, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.

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 2024-01-17 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: MS

Complaint narrative:
I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are 2 hard inquiries from XXXX XXXX on XX/XX/2024, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC
State: NC

Complaint narrative:
There is a collection item on my credit report from the company VALLEY COLLECTION SERVICES. It looks like the original creditor was the City OF XXXX AZ XXXX. I have NEVER lived in Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief