vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. 

According to 15 USC 168, XXXX, XXXX, and XXXX have XXXX days to investigate and send me results. 

I have all the evidence attached below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card was lost and unauthorized purchases were made with my Wells Fargo card. 

I called Wells Fargo to dispute the charge they gave me credit while they did there investigation and days later denied my dispute and took my money out my account The amount of {$3300.00} dollars were taken from me on the date XX/XX/2023 I kept trying to dispute the charges with Wells Fargo but they denied me every 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 2023-12-10 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: FL

Complaint narrative:
The information in the reports are different and do not match. It appears on my report as a negative account. {$2100.00} and the dates do not match nor the company names. I asked them to remove that from my credit report. to 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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information in the reports are different and do not match. It appears on my report as a negative account. {$2100.00} and the dates do not match nor the company names. I asked them to remove that from my credit report. to 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 explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Im beyond frustrated. I have been trying to log into my.equifax.com to get my credit score and my credit report that Im entitled to. Unfortunately equifax wont let me see my credit report, or even dispute online or anything. I have contacted the customer service number and talked to numerous people who always say they are going to escalate it to the technical team. I talked to supervisors still unable to help me. As a consumer I have the right to see whats on my report. I even tried to order my credit report through my annual credit report and equifax wasnt able to fill the request. I then tried to purchase through another company XXXX and once again I couldnt get my credit report only from equifax. I then talked to XXXX customer service and they said Equifax has something going on with my file which is preventing others from accessing it. I tried to get the XXXX XXXX report from XXXX and once again Equifax is the only bureau that isnt working. This issue has been going on for well over a month. Im able to log into my Equifax account and I can see my credit score but I cant see whats on my file. If this doesnt get resolved I will have no choice but to get a lawyer and file a lawsuit against Equifax . Not only is this affecting my score, this is affecting my personal life, myself and my children. Because of Equifax Im not able to apply or get approved for anything due to not being able to access my files for others or myself. Fix this immediately before I proceed with the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IVE BEEN VICTIM OF IDENTITY THEFT PLEASE ERASE THIS INACCURATE INFORMATION 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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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:
I DEMAND ALL NEGATIVE, DEROGATORY ITEMS, MEDICAL DEBT AND LATE PAYMENTS DELETED IMMEDIATELY FROM MY CONSUMER REPORT ( XXXX XXXX Frauds and Swindles ) Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America credit card was fraudulently used to pay for XXXX transactions including a cash withdrawal totaling over {$2400.00} and my credit card company is refusing to credit my account for fraud. 


Posting Date in chronological order sort by Description in alphabetical order Type Expand Type of transactions sort by Amount in ascending order Balance Expand transaction for Transaction date : XX/XX/2023 FRAUD DISPUTE XX/XX/2023 XXXX transaction for Transaction date : 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 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 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 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 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 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 monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Complaint : regarding cash deposit machine ( ATM ) Bank name : Old National Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Spoke to : Community Market XXXX. XXXX XXXX XXXX, VP and Relationship Banker XXXX XXXX On XX/XX/2023 i deposited the amount of {$4000.00}. in cash using the ATM locate at the above address ( ATM ID # XXXX ) but the cash deposited was not credited to my bank account. This usually takes no time to deposit the money because of all the video cameras around you but this time the money got stuck in the machine and the amount was not credited to 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 2023-12-10 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
This company is reporting my uncles information to my Chex systems report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my XXXX  license. He provided it to me to send to you guys. I have been a XXXX  resident for years. The license you have connected to me chex systems report is my XXXX. I have never written a check at XXXX. There are no XXXX in 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 explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested the company sent me a contract or paperwork with my wet signature, a copy of my photo ID, proof that the debt belongs to me. I have been requesting this information for the past 5 years and the company refuses to provide it. The debt is a violation and if it does not get removed or fairly rectified I will sue in civil court for financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of XXXX. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX, XXXX before in my life.

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 2023-12-10 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: IL

Complaint narrative:
I saw an inquiry on my Transunion credit report that I did not authorize on XX/XX/2023. I checked my credit reports after I received some emails congratulating me on being approved for a new credit card. An inquiry from XXXX XXXX appears on my Transunion credit report now. I attempted to contact the company supposedly behind the issuance of the card and I am not certain that I made the correct move and that they were the proper contact. I can't bring myself to fully trust them or my efforts, so I am told by a Transunion representative to file a formal report. They want me to provide them a copy of the report so that they can proceed with their investigation. This company told me that they had not sent a card out yet, but if it is mailed it should not be active. I am quite not sure how that works. I immediately put a security freeze on at all 3 credit bureaus. I hope that I will be able to remedy this as soon as possible. I have never applied for credit cards that charge annual fees and the interest rates are bad enough if you do not have stellar credit scores. In the future, I will maintain a security freeze on all my reports and I encourage others to do the same. Please assist accordingly. 
Thanks!

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 2023-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One will not discharge the debt I had with them prior to my bankruptcy. My bankruptcy was finalized back in XXXX of XXXX and every other creditor fell off the report but my Capital One debt from back in XXXX remains all 3 credit bureau reports. I have disputed, called and sent in letters regarding this matter to no avail. The fact of the matter is, the derogatory mark that this is leaving on my credit report is causing having in my chance at rebuilding my credit bc late payments and derogatory marks are still causing my credit score to go down due to this creditor. No other creditor ( and there were one 's I owed much more to ) put up this much fight. I think I have finally was able to get XXXX on my side and they just recently deleted them but who knows. They are hindering my ability to obtain good housing, auto loans and employment opportunities. They had their chance to appear before the judge during the closing arguments of my case and they didn't show up. Please help me get a hold of someone who can follow the rules and remove this inaccurate account from a bankruptcy that was discharged 6 months ago! The amount was for {$690.00} and they were given notice and the right to petition. They did no such thing and I'm in desperate need bc neither the credit bureaus nor a big company like Capital One is helping me in rebuilding my life. A process that took sweat and tears to get to only to still have a debit or holding my financial future by my neck. A petition was mailed to them on XX/XX/XXXX, and my bankruptcy. My estate was closed by the judge on XX/XX/XXXX granting me any liability to any debitors listed on aforementioned petition such as Capital One. 6 months later and numerous phone calls to XXXX, XXXX, XXXX XXXX and Capital One it still remains on my report in a closed manner but causing deragoratoy marks on my credit score such as the late payments with this debitor and the late payments being over 60 days old. As well as, having an account deragoratoy standing for a long period of time. This the rules of the Bankruptcy and the dismal from the judge wasn't granted the way and months later I now have not only a bankruptcy deragoratoy mark on my credit report but the account I sacrificed that scarlet letter for is still ruining my life. I am XXXX XXXX  and I am in hopes of one day purchasing a house of my own. This one debitor shouldn't be controlling that for this many years! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: Certegy Holdings, LLC
State: LA

Complaint narrative:
This company is reporting my uncles information to my XXXX XXXX  report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my uncles license. He provided it to me to send to you guys. I have been a XXXX  resident for years. The license you have connected to me XXXX XXXX report is my uncles. I have never written a check at XXXX. There are no XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
While I was travelling abroad and my card became comprised, a merchant called " XXXX XXXX XXXX '' placed a {$59.00} charge on my card. Another merchant called " XXXX XXXXA '' placed a charge of {$300.00} on the card on the same day. I did not stay at that hotel. I stayed at the hotel of the XXXX XXXX and can prove it t to the CFPB if needed. I disputed the XXXX charges with Chase and had a new card issued. Chase rebilled me claiming that the chip was presented. I explained to Chase that when I was in a taxi in XXXX, I tried to pay the cab driver with cash and the driver said he only accepted credit cards. I gave the card and he never asked me to confirm on the screen what I was paying or the amount and I never received a receipt. I believe now that the cab driver cloned my card. I advised Chase of this and I asked them to verify with the merchant what information the so-called merchant had about me but Chase failed to abide by the Fair Credit Billing Act and has now inappropriately rebilled me. Chase claimed they would remove the incorrect rebill amount but has yet to do so.

Company response to consumer: Closed with explanation