vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i got my XXXX XXXX permit. The XXXX  XXXX means XXXX XXXX to drive a 26000-pound truck. The XXXX XXXX means i need some training to get the required skill to drive a big truck. I opted for an apprenticeship program with the truck company XXXX ... I signed an agreement with XXXX to be train on 3 weeks, and pass my XXXX A license test, then work with them at least 9 months. I went for the training. After 7 days class training, XXXX decided to fire me from the training. This is their reason : XXXX XXXX  It is because of thaXXXX XXXX XXXX XXXX XXXX XXXX permit ) i opted to be train with them to get the required skill to move forward my truck career. They fired me means that i didn't receive their service and they didn't honor their part of the agreement we signed. I was surprised that them who didn't honor their part of the agreement charge me {$2000.00} and reported to collection agency. Now there is an derogatory mark on my credit report. Since XXXX year and half, my career is locked down because i can not get a loan to finance my truck driving school. My family is suffering for that situation, my dream career locked down because I was XXXX XXXX  with a company. Is that right for a company to mess up a career of an individual who didn't commit a crime but was only XXXX XXXX? 
I didn't receive their service, they don't have to charge me up to lock down my brilliant truck career.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit reporXXXX 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this letter reaches you promptly. I am writing to express my concern and frustration regarding the unresolved issue of the late opening of my account with Credit Bureaus. Despite my previous attempts to address this matter, it remains unresolved, causing significant inconvenience and frustration. 

I initiated the account opening process, and as of today, my account is yet to be activated. This delay is impacting my financial planning and causing undue stress. 

Details of my account application are as follows : Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Improve communication channels to keep me regularly informed about the progress made and the expected timeline for account activation. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand that unforeseen circumstances may contribute to delays, but the extended nature of this situation is causing considerable distress. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to correct these late open accounts in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$7800.00} ; ATTYGENERL XXXX Balance : {$8100.00}.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this letter reaches you promptly. I am writing to express my concern and frustration regarding the unresolved issue of the late opening of my account with Credit Bureaus. Despite my previous attempts to address this matter, it remains unresolved, causing significant inconvenience and frustration. 

I initiated the account opening process, and as of today, my account is yet to be activated. This delay is impacting my financial planning and causing undue stress. 

Details of my account application are as follows : Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Improve communication channels to keep me regularly informed about the progress made and the expected timeline for account activation. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand that unforeseen circumstances may contribute to delays, but the extended nature of this situation is causing considerable distress. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to correct these late open accounts in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$7800.00} ; ATTYGENERL XXXX Balance : {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NJ

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2024-01-22 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: LA

Complaint narrative:
I appreciate your attention to the removal of some fraudulent items from my file resulting from an alleged identity theft. However, there are still items remaining that require removal. This marks my third complaint as a victim of identity theft, and I am submitting to dispute these fraudulent entries in my file stemming from the criminal activity. The disputed items are unrelated to any transactions for the acquisition of goods, services, or money that I have either made or authorized. Kindly remove the reporting of these items from my credit file, as they result from an alleged identity theft. Enclosed in this communication is my recently filed FTC Report # XXXX. 
-- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX, LA 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 LA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX. These items are unfamiliar to me, and the information provided on these entries has been deleted from other bureaus. I harbor doubts about their accuracy, and the reported history on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind, and FCRA Section 605B ( a ) - Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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:
I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. 
XXXX XX/XX/2023

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 2024-01-22 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:
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 instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Federal Adjustment Bureau, Inc.
State: MI

Complaint narrative:
The company Federal Adjustment Bureau ( FABCO ) of Columbus, OH is harassing my family and myself. I believe they are using the word " Federal '' in their name to deceive customers into thinking they are a part of the federal government. Initially they sent a letter to my parents home regarding a debt I did not owe. The letter was sent shortly before I XXXX to the XXXX XXXX with the XXXX XXXX XXXX and I nearly did not see it. The letter stated if I did not respond within a short period of time they would assume the debt is correct. They were harassing me on behalf of the company XXXX XXXX XXXX XXXX. I contacted FABCO, and I notified them this was a totally illegitimate debt designed to harass me, and that I was deploying in less than 30 days and FABCO assured me they would stop. However, they continued to contact my family. 

An individual with the phone number XXXX called my sibling in XX/XX/year> and made statements that he was trying to reach me. This number belongs to FABCO, the company that previously promised they would cease harassing me regarding the illegitimate debt. Call logs prove FABCO did not call me directly prior to contacting my sibling. They were not trying to reach me directly, ever. They were contacting my family on behalf of XXXX XXXX XXXX XXXX  as as a way to harass me. I contacted FABCO and was told again it was an accident. I am unclear how FABCO " accidentally '' obtained my sisters phone number and began texting her in regards to me. I would also like to know why FABco contacted my sister rather than me. They obviously had received my phone number from XXXX XXXX XXXX XXXX but instead chose to use some outside information to find my sisters information. I would like FABCO to voluntarily pay me damages for their reckless harassment. Even if it was truly an accident, they are still liable for their actions. 

I have attached the letter from FABco where they promised to stop. However, they continued to harass my family after this letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: AR

Complaint narrative:
I trust this message finds you well. I am writing to express my ongoing concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite many numerous attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on multiple occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXX/XX/year>.

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 2024-01-22 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that multiple over 30 day late payments were reported on an account of which those specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I was not over 30 days late on these payments reported for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide Proof with statements showing that these payments were over 30 days late. If proof can't be provided I demand these payments be updated to on time as they should be as I was not late. Thank you.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX NY XXXX Dear sir, I have had the transaction with XXXX vending machine at XXXX XXXX XXXXXXXX XXXX to get a XXXX  of {$10.00}. Since I had an issue with this vending machine, which procedure was written on another printout, it ended up that you charged me {$10.00} twice. Even though I tried the transaction to refill my XXXX XXXX twice, I succeeded only once ; therefore, I should be charged only once. So please refund {$10.00}. 

Also, I found out your company refunded {$10.00} for XXXX XXXX in question for 5 times. But I am not sure XXXX XXXX for XX/XX/XXXX of XXXX even though I am not sure the price, if there was any charge for this game. It might have been free, or my son wanted to play this game so much and I paid for that. Anyway, I am not sure why the refund of XXXX on XX/XX/XXXX of XXXX was made ; even though he had used quite a long time until about high school. 

Sincerely,

Company response to consumer: Closed with monetary relief