vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-13 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have encountered difficulties in accessing my account and obtaining support from Experian since updating my mobile number. 

On XX/XX/year>, I logged into my Experian account to schedule a temporary thaw on my credit freeze, which was set to remain in effect until XX/XX/year>, to facilitate an apartment application. On XX/XX/year>, I was approved for the apartment and updated my mobile number. Since then, I have been trying to freeze my credit again and check my credit report as part of my annual review. Unfortunately, I have been unable to log into my account. 

In addition, I have been unable to reach a representative to resolve this issue. Experian 's system does not offer alternative login options, and the automated phone system repeatedly leads to dead ends without providing assistance or connecting me to a person. I have tried multiple methods, including calling, using the website, and seeking an email contact, but nothing has worked. 

This experience has been extremely frustrating and concerning, as it involves sensitive personal information and impacts my ability to manage my credit responsibly.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation of not reporting 100 % accurate information. I did not receive a statement 21 days before the bill was due, constituting a billing error under 15 USC 1666b ( 4 ) ( 5 ) : XXXX XXXX Account Number 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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is the third or fifth time Ive filed a complaint regarding this issue with Bank of America. These companies are soulless predators who prey on everyday Americans. Only in America you can have money stolen out of your account and a banking institution such as Bank of America wrongfully deny your claim based of illegitimate reasoning. Not only did they deny my claim and I lost {$3100.00} dollars but they wrongfully close my account as well. They had a claims resolution representative contact me on XXXX only to say theyve denied my claim again. When I asked for a document of the denial to provide my attorney I was told that there is no way to provide or mail such documents. Luckily I was able to use my XXXX feature to record the conversation. In one of the reasonings it was stated that I opened the account in XXXX which was a lie because the rep even acknowledged that it was incorrect, they also said that its been over a year so its outside of the statue of limitations so they dont have to provide any reimbursement which is also another lie. The charges on my account were from XXXX or XX/XX/XXXX on upward which is not a year as Im writing this. They also stated that they were no urgency to drain the account and that plenty of funds were available. Theres literally a string of dates of the orginal fraudulent charge up to when I caught of to these charges of them literally draining my account in different sequences and different dates. I even provided emails with me contacting this merchant asking them for clarification of whats going on and why was my money stolen from my account. I have police reports, I have emails with the merchant, I provide everything on my behalf only to still be denied the remainder of my funds Bank of America is unethical and a very soulless company that has no regard from everyday Americans. They only reason I was even provided the half payment of {$7800.00} was because they were able to charge back {$4600.00} of that amount and the remainder of the {$3100.00} theyre unwilling to eat that charge and taking every unethical measures to not pay that out. They have no valid reason to have denied me the remainder of my claim. I will not stop fighting until I receive the remainder of hard earned stolen money. If this were theyre money or food out of theyre mouths or theyre family mouths how would they handle this situation. I hope and pray that this complaint is seen by many and that they refuse doing any business with these thieving banks and banking institutions.

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 2025-01-13 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: KY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
Plaza Service LLC has reported to the credit bureaus I have a debit with them I am unaware of. I request verification from the by mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) ON XX/XX/XXXX. Plaza Services LLC Still has not responded as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 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: SC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-01-13 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail

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 2025-01-13 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank debit card information of XXXX XXXX was stolen and used at an unknown ATM on XX/XX/XXXX in XXXX XXXX, New York to withdrawal {$1000.00} unauthorized. The debit card information was used again at an unknown ATM in a location in California as an unauthorized withdrawal for {$1000.00}. Owner of card and bank account had not been to either location of the ATMs throughout their lifetime. Owner of card and bank account resides in XXXX Nevada and visited XXXX, CA XX/XX/XXXX- XXXX, XXXX. 

Owner of card recognized the fraudelent charges on XX/XX/XXXX. Unlike other online payments or charges on the checking account - there was no access to further information or ability to flag the transactions for fraud on Chase 's online checking account user interface. 

XX/XX/XXXX XXXX XXXX contacted Chase Bank 's fraud department and reported the transactions as fraudulent. Chase Bank then informed XXXX XXXX the location of the XXXX ATMs. As well as staring that the transactions were made using mobile pay technology on an XXXX XXXX and XXXX XXXX - devices the account owner has never possessed or used in conjunction with their banking or mobile pay. 

XXXX XXXX called multiple times for further clarification on the matter and was given reassurances by Chase representatives that the investigation was open and that the XXXX {$1000.00} charges would be reimbursed to XXXX 's account by XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX received an email from Chase Bank summarizing ( in unclear language that has to be clarified with chase representatives on the phone ) that the investigation has been teased and that no money adjustments would be made to her account. 

On XX/XX/XXXX XXXX XXXX, and her mother XXXX XXXX contacted Chase Bank, attempting to re-open the investigation and get reimbursed. The first call they made they were transferred between four representatives, placed on hold, and then disconnected inexplicably from the call. The second call they attempted they were helped by a supervisor, XXXX, who recognized that a proper investigation has not been held. Particularly because of odd locations which hadn ' been flagged by Chase internally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 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: KY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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 non-monetary relief
Consumer complaint received 2025-01-13 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a complaint about Citibank and my XXXX XXXX rewards card. 

There have been two issues this year. Back in XXXX, I made a {$14000.00} payment a few days before the due date ( XX/XX/XXXX was the payment date, and XX/XX/XXXX was the due date ). While that payment amount was credited to my account, the credit hold wasn't release XX/XX/XXXX. This caused more than a few recurring payments to vendors to be denied, which was both embarrassing, and resulted in me having to fight to reverse late fees. There was nothing unusual about the payment as it was made from the same main checking account that I almost always pay from. No amount of phone calls or pleading could get the credit hold reversed sooner. 

Fast forward to XXXX, and I made a payment of {$7300.00} a few days prior to my due date ( XX/XX/XXXX, with a due date of XX/XX/XXXX ). I paid the entire balance as I always do. Then on Monday XX/XX/XXXX, Citibank went ahead and processed an autopay for the same amount. Now I have paid my statement balance twice. I called on XX/XX/XXXX when I saw the 2nd transaction, and requested a refund. They refused to send the refund to my checking account, so I requested a check ( which would take three weeks to receive ). Then on a subsequent call, it was determined that the information they gave me about not being able to send the refund electronically was incorrect. The paper check request was cancelled and a new request for the refund via ACH was processed. Now, in XXXX, I saw that I never received my refund. I called back to find out both requests were cancelled. No reason given, but probably something to do with two requests for a refund ( their words, not mine ). Today is XX/XX/XXXX, and the request has been " approved ' finally, but will still take a week to process. There seems to be no accountability at Citibank, and no regard given to a customers financial situation

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