vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
It is more than 3 weeks passed, I have informed 3 credit bureau ( by electronically, phone and postal ) regarding fraudulent charges and unauthorized transaction in my credit. I have filed it online with relevant documents. I have provided relevant document in support of my evidence. But it is unfortunate, being a guardian of the citizen and netizens of a 1st world civilized country how that has been taking so long and remain unresolved. Is it just because I am a non-native person and not an American citizen. Does not it talk about the equal opportunity and against all sorts of racism. 
I was out of a country for 10 years and after I have return to USA, I have found someone made unauthorized transaction with some credit card which I am completely unaware of. Is that the way they treat and welcome the immigrant with so much hate and discrimination? I am appalled and dishearten to witness that type of severity and hostility. However, I still have hope that some good people still exist on earth and justice will prevail. Imagine someone misused your card and make charges against you on your incognizance, will that be fair to you? 

So, I request credit Bureau to remove the flag of charge off against my credit report that is completely illicit, unauthorized, and happened without my knowledge, and permission. As a guardian of the citizen and their well wisher credit Bureau will understand the fact and situation of the matter and assist the victim to get rid of the false charges. 

I have also called the chase credit card/charge off department. They were extremely rude, misbehaving and non-cooperative in a distasteful manner. None of them helped me to resolve the matter. I have also informed the federal trade commission as well. 

Being helpless, victim of a fraudulent dispute, loner in a country of justice and democracy, I have to seek your help to kindly assist me to resolve my matter and give justice to a netizen/citizen being a guardian of the customer and country. 

Looking forward for your co-operation and justice Thanks Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX Name of a company representative that you spoke to : XXXX XXXX XXXX 's phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXXXXXX XXXX XXXX Name of a company representative that you spoke to : XXXX XXXX XXXX XXXX 's phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It is my sworn statement that the listed accounts and inquiries are a result of identity theft as I did not create these accounts or inquiries. Please delete these fraudulent accounts and inquiries pursuant to 15 USC 1681c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). 
DELETE ADDITIONAL INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE ADD MY CORRECT EMPLOYER : XXXX XXXX XXXX XXXX XXXX 

Please see attached Identity Theft 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 2024-07-17 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: MD

Complaint narrative:
It is my sworn statement that the listed accounts and inquiries are a result of identity theft as I did not create these accounts or inquiries. Please delete these fraudulent accounts and inquiries pursuant to 15 USC 1681c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). 
DELETE ADDITIONAL INQUIRY : XXXX XXXX XX/XX/year>. ADD FULL NAME : XXXX XXXX XXXX. PLEASE DELETE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX PLEASE ADD MY CORRECT EMPLOYER : XXXX XXXX XXXX XXXX XXXX 

Please see attached Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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 explanation
Consumer complaint received 2024-07-17 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-07-17 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: WA

Complaint narrative:
There are all fraudulent inquires on my 3 bureaus Transunion, XXXX XXXX XXXX XXXX  reports that I did not authorize as shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
There are all fraudulent inquires on my 3 bureaus XXXX, Equifax and XXXX XXXX reports that I did not authorize as shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
I need your assistance with an incorrect account on my credit report. This issue is harming my reputation, and I require your help to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
In the past couple of weeks I have received several phone calls and emails stating that I oe a debt of {$37.00} to XXXX from TrueAccord. I verified with XXXX that I do not owe anything and am up to date on both of my accounts with them. XXXX has taken a report and recommended that I do not respond as this is fraud. However, I would like it for TrueAccord to stop calling and emailing me with this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Under the Fair Credit Reporting Act, the list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 168XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  15 U.S.C 1681s-2 ( A ) ( 1

) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 6802, which you can include and state that you DID NOT receive the required opt-out notice when you c
reated the account being reported ( they never give you the opt-out notice ). You have a right to opt out of any non-pu
blic info reporting.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.

15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.

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 2024-07-17 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: MO

Complaint narrative:
Under the Fair Credit Reporting Act, the list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

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

15 U.S.C 6802, which you can include and state that you DID NOT receive the required opt-out notice when you created the account being reported ( they never give you the opt-out notice ). You have a right to opt out of any non-public info reporting.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.

15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I gave them my social on the grounds that they said they could help me no matter what my credit score. I was sent several emails and mailed pre-approval invitations for installment loans, personal loans, and revolving lines of credit up to {$5000.00}. I keep getting denied even though I have the ability to repay. I got diagnosed with XXXX and need a bit of help and this company is full of deceitful tactics to borrow on my social security number but not allow me to access credit like I'm supposed to have fair access too. They send me emails that describe why a third party denied me but never the notes from a real live underwriter like I've requested several times. They don't help people with bad credit. They set them up for disappointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I am writing to formally submit a complaint against Transunion Credit Bureau regarding their handling of my

identity theft case. Despite following the proper protocol as outlined by the Federal Trade Commission ( FTC ) for identity theft victims, and as stipulated by the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from Transunion.

I have submitted three separate complaints to Transunion on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Each complaint included all required documentation and information as recommended by the FTC for identity theft victims, including an FTC Report and a Certified Police Report. It has now been approximately 90+ days since my initial complaint, and I have not received any acknowledgment /response from XXXX, nor has these fraudulent account been removed. 
The lack of communication and action from Transunion has caused significant distress and inconvenience, as my credit report remains compromised. I am seeking assistance from the Consumer Financial Protection Bureau to ensure that Transunion addresses my complaints promptly and takes the necessary steps to rectify 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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit report and noticed that I had some collections that were mine.

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 2024-07-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I made a police report XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX, to report XXXX XXXX, XXXX : XX/XX/XXXX, who came to my home to make a few repairs. XXXX XXXX stole several items inside my home, including, material to complete the repairs, brushes, primer, spatulas and an array of other items, and, my XXXX XXXX credit card, # XXXX XXXX XXXX XXXX, from my purse, which was on the mantle. I made a police report regarding the missing items. 
On or about XX/XX/XXXX, XXXX XXXX XXXX line contacted me at XXXX, to report declined charges of {$1400.00} and another large amount ( {$1000.00} ), which XXXX XXXX considered fraudulent charges on my XXXX XXXX XXXX XXXX 
In addition, XXXX XXXX allowed several smaller charges and inquired as to whether I made all of the charges on XX/XX/XXXX and XX/XX/XXXX. 
I informed XXXX XXXX XXXX that I did not make the charges in question and did not authorize the charges, including : on XX/XX/XXXX for {$390.00} ; XX/XX/XXXX, for {$570.00} ; {$330.00} and {$67.00} ; XX/XX/XXXX, for {$520.00} and {$29.00} ; for a total of XXXX XXXX, within a two day period. Activity that is inconsistent with my spending activity. 
I denied making the unauthorized charges to my XXXX XXXX credit card. XXXX XXXX conducted their investigation, without contacting me to get my input, and seemingly made general assumptions about the charges and attributed the charges as my responsibility, despite my denial. 
On XX/XX/XXXX, XXXX XXXX sent me correspondence to notify me that they concluded the charges were my responsibility. On XX/XX/XXXX, I contacted XXXX XXXX Fraud unit to dispute XXXX XXXX findings and the fraudulent charges, XXXX XXXX has re-billed 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