vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
15 U.S. Code 1681 with regard to place an extended fraud alert states, " Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall '' Please note it states submission of an identity theft report and appropriate proof of identity. 
XXXX XXXX XXXX  with regard to extended fraud alerts states, " Who can place one : An extended fraud alert is only available to people who have had their identity stolen and completed an FTC identity theft report at IdentityTheft.gov or filed a police report. '' Please note it states an FTC identity theft report OR a police report. It does not require both. 

On XX/XX/2024, XX/XX/2024, and XX/XX/2024 a written request to place an extended fraud alert was submitted to Equifax that included a signed and notarized affidavit of identity theft, a police report filed with XXXX, a copy of valid XXXX driver 's license, copy of XXXX XXXX tax statement displaying full SSN, and copy of utility bill showing name and address. These documents fulfill the requirements of making a request, filing a report of identity theft, filing a police report, and providing appropriate proof of identity. 

All three requests were denied by Equifax who in written response stated " Please be advised that to add an extended fraud alert kindly forward a VALID COPY OF XXXX REPORT, LAW ENFORCEMENT REPORT, AND A VALID COPY OF FEDERAL TRADE COMMISSION REPORT. '' From this response is appears that Equifax has taken it on itself to rewrite the requirements a victim of identity theft must comply with to get a federally mandated protection by require not just an either/or, but a BOTH. A plain text reading of that response states that a police report and a FTC report must be presented. In making this unilateral change of requirement Equifax has engaged in a WILLFUL violation of 15 U.S. Code 1681 and Federal Trade Commission regulation. 

Since Equifax likely sent this response using a pre-formatted response it is reasonable to assume that any victim of identity theft who has made this same request and provided only a police report or only an FTC report since XX/XX/2024 ( if not prior ) has received the same response to require production of both. This would mean each and every instance that Equifax provide the response that is a WILLFUL violation would be subject to and punishable by separate fines for each instance. 

Please also note the victim in this matter is of an age that Equifax 's actions may constitute Elder Abuse under XXXX State law where the victim resides.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase won't allow me to login to my account. 
I put in the account information and the card number and called and they haven't allowed me to view my account. 

I have a checking account and an investment account. 
An old credit card also. 

I was attempting to open a new account. 
It says I have an old account, but I called Chase and haven't heard anything. 

My old account was closed with a XXXX balance. 
I would like to apply to the {$300.00} direct deposit bonus. 

Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I applied for a Home Depot/Citibank credit card when making a purchase on XX/XX/24, but have not received the credit card or communication from Home Depot/Citibank Credit Card Services and therefore unable to set up the account to make payments online. I have worked for nearly 2 months to learn about the status of my credit card and account and have made several calls to Home Depot/Citibank , including talking with the Asst Store Manager at the local Home Depot XXXX and together talking with Home Depot/Citibank Credit Card Services to clarify the problem. I have recently received a Account Statement with charges and late fees, with a partial account number that I have no record of, and received phone calls and email about making payments but I am informed that I can not with an account number and that I can not be verified. I want to have this matter addressed so that I can make payments online before due dates.

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 2024-05-23 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: CA

Complaint narrative:
I called TransUnion to report that I am showing 17 inquiries on my credit report and that I had disputed inquiries with XXXX and experience already and they were removed. TransUnion told me that I have to file a report with the FTC in order to remove these inquiries and asked for me to submit to them a report from the FTC.

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 2024-05-23 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: OH

Complaint narrative:
I am writing to dispute the following unauthorized inquiries that appear on my credit report. These inquiries are adversely affecting my creditworthiness and were not authorized by me. The unauthorized inquiries are as follows : Company Name : XXXX XXXX - Inquiry Date : XX/XX/year> and Company Name : XXXX XXXX - Inquiry Date : XX/XX/year>. 

I did not authorize these inquiries, and they were made without my permission. Under the Fair Credit Reporting Act ( FCRA ), inquiries can only be included on my credit report if they are authorized, and these were not. I request that these unauthorized inquiries be removed from my credit report 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 2024-05-23 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Kindly inform the JPMCB - AUTO FINANCE that I did not authorize them to get a copy of my file please have them send an email or a letter to remove the inquiry in my credit file from the 3 bureaus. This inquiry is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I made payments on this account.

The company didn't apply them to the correct account.

Bill also does not show the correct amount needed for payment.

As much I was sent a bill for the incorrect amount while also not having payments applied correctly. 

Payments were made on the account under the terms of the contract and it was closed in spite of this. 

I am again requesting payment history. 
Or a signed contract.

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 2024-05-23 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: OH

Complaint narrative:
I paid my XXXX XXXX account off on XX/XX/24. They stated if I entered into a payment arrangement {$24.00} would be forgiven and they would report this to the Credit Bureau as paid in full. Also it was a payment arrangement for 1 day. I have all the proof to support my complaint. XXXX XXXX refused to send me a paid off letter and I was told to use the email I received in regard to making the payment. I sent this info to Experian 2 different times, 2 different disputes and they refuse to correct it on my credit report. They keep stating on my credit report that I have a balance due of {$24.00} and that is not correct. How is it a balance due if the {$24.00} was forgiven. At this point I just paid the {$24.00} to XXXX XXXX even though it was forgiven since Experian refused to correct my credit report. I will be reporting Experian and XXXX XXXX to the XXXX  as well. I am just trying to get my credit in good standing and pay my debts, but Experian is making this really hard for me and maybe others. This is really disgusting that Experian is allowed to do this to people.

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 2024-05-23 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-23 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are inaccurate. According to 15 USC 1681s-2, 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 2024-05-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I signed up to become a member of a ( scam ) company called XXXX on XX/XX/XXXX. No specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated 2-3 weeks. At the end of 2 weeks they extended the date another 2-3 weeks, and so on and so forth for about 4 months. The company kept hosting XXXX  meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$490.00} to become a franchise on my chase debit card On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I immediately filed a dispute with Chase for non-receipt of merchandise. Even through it has been more than 120 days from the purchase Chase 's polic it has NOT been more than 120 days since the company promised us our cards and website access that had been continually delayed due to " numerous issues '' and it has NOT been more than 120 days since I was notified that the merchandise would never be sent. On XX/XX/XXXX Chase denied my claim for the 120-day rule. I called a manger and explained that although it was 120 days from the purchase, it was NOT 120 days from the " new '' date of the promised product to be sent. I told the manager at Chase that I never received any request from Chase to provide documents. My XXXX  XXXX  also paid {$25.00} each on their debit cards to get tranzact cards which they also never received. In XXXX we received email from the company stating that the new company launched named XXXX, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their zoom meetings but I never recorded the meetings. 
I believe Chase is being abusive in their application of Regulation Z, because the time clearly starts following when the product is to be delivered/received. In this case, the " delivery '' date was moved every few weeks, so we were never more than 60 days outside of our promised delivery date. I have filed an FTC report about the fraudulent company : XXXX This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with securities fraud in Utah back in XXXX. The charges pertained to XXXX running two Ponzi schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXX count of XXXX of Unlawful Conduct ( page 3 ), a XXXX XXXX XXXX XXXX XXXX XXXX' )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
INACCURATE REPORTING AND PLEASE SEND ME INFORMATION REQUSTED BELOW. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/XXXX, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act

, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 1681 U S C i ( 7 ) Method of verification-DES
CRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

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