vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing this letter as my third attempt to dispute and rectify the inaccurate negative items listed on my credit report with XXXX and XXXX. Despite my previous disputes, these errors remain unresolved, and it is unacceptable that you have failed to act accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this letter as my third attempt to dispute and rectify the inaccurate negative items listed on my credit report with XXXX and Experian. Despite my previous disputes, these errors remain unresolved, and it is unacceptable that you have failed to act accordingly.

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 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
Subject : Request for Investigation and Correction of Credit Report Entries To Whom It May Concern, I am writing to both entities to dispute inaccuracies listed on my credit reports that are managed by your agencies. This dispute is filed under the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and fair reporting of consumer credit information. 

Following my XXXX XXXX bankruptcy discharge, which was finalized on [ Date of Discharge ], Case Number [ Your Case Number ] in the U.S. Bankruptcy Court for the [ Courts Name ], certain accounts continue to be inaccurately reported. Below are the details of the accounts, which should reflect a status of " Discharged in Bankruptcy '' with a balance of {$0.00} : XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy XXXXXXXX XXXX  Account Number : XXXX Current Reported Information : No Data Correct Status : XXXX in Bankruptcy XXXX XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy Attached are copies of my bankruptcy discharge documentation, including the final decree and schedule of included debts, which verify the discharged status of these accounts. 

I request that LCI Consumer Center and XXXX XXXX XXXX conduct a thorough investigation into these matters and update the records to accurately reflect the legal status of these accounts. I also ask for a written confirmation of the receipt of this letter and to be kept informed of the investigation 's progress. 

Furthermore, I request a copy of my full credit report post-investigation to verify that all corrections have been made. 

Please address this matter with urgency and ensure that the corrected information is reflected in my credit reports. Should you require any additional information or further documentation, please do not hesitate to contact me at the above address or through my contact details. 

Thank you for your attention to this important matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have used Marcus.com as a XXXX for many years without a problem. All of the sudden I am unable to transfer money from my XXXX account to my linked checking account as I've done hundreds of times before. I have spent many hours on the phone speaking with representatives who have told us the exact same thing every conversation without a resolution. 

There is a mysterious " alert '' on our account and they won't tell us exactly why. I suspect its because my wife, who is a joint owner, does not remember her secret word that was set up years ago. Because of this they can not verify her account. My account has been verified several times. No matter what we try to do to resolve this issue it does not get resolved. The last representative told us that they were going to expedite an identification form and the forms never arrived. They also say that our cell phone numbers don't meet the requirements to receive security codes. There has been obstacle upon obstacle trying to resolved this. We have probably had XXXX or XXXX calls with the representatives, none of which could help us. 

I don't understand why, if me, as the primary owner, has verified my account various times am unable to get my money out. They are holding my money hostage and it has now affected me negatively. I am unable to pay off my credit cards and I am being charged interest upon interest. I also was also unable to pay my quarterly self employment taxes because the money can't be transferred out of my Marcus.com account. I will be charged penalties. Will Marcus.com pay for the interest and penalties I am being charged because of their system? Their archaic verification system has damaging me financially and this has to stop. 

Marcus.com has to be better and not put up so many barriers to people wanting to get their money out, especially if they have been verified. They also have to have an easier way to resolve the " secret word '' issue when it has been forgotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
on XXXX I opened a business checking account with Chase bank online and on XXXX I Went into the branch located in XXXX XXXX XXXX XXXX mo to finish setting it up and placed a deposit of almost {$6000.00}. I ordered checks that day and they told me my debit card would be mailed. There was a deposit hold on the check due to the amount which is normal. 

on XX/XX/XXXX. I received an email to call the number on the back of my debit card or my account would be closed. I hadn't even received my debit card in the mail yet. That same day I went to log into my online banking and it would not let me telling me my account had been restricted. On that same day I went back into the branch location I set up the account with and spoke with XXXX the branch manager. She got on the phone with back office and was told Chase had decided not to do business with me and was closing my account. They refused to release the funds in the account and gave me several numbers to call. That same day my receptionist just happened to be in the branch location and they questioned her after I left about who I was and how she knew me. That same day I made several calls to Chase and was given a different answer by each person I spoke with. I was told XXXX ( the bank my law firm uses ) had not cleared the check and they had been trying to reach them because the check had been marked as fraudulent. I spoke with the VP of XXXX XXXX  who provided proof that XXXX had approved the check and released the fund on XXXX. Basically Chase was lying and had my money but had deemed I was fraudulent and was refusing to release me fund. I was told by XXXX in the loss prevention dept that Chase had their own hold on the funds that would be released on XX/XX/XXXX and I could go into the branch and get my funds on that day. 

Today, XX/XX/XXXX, I went to the same branch and spoke with the XXXX XXXX XXXX. He got on the phone iwth the back office who refused to release my funds even though the check had cleared and all hold had been released. I was told the account was now with the legal dept and they could not tell me when if at all my funds would be released. He literally told me they knew the check was not fraudlent and that chase had essentially made an error and their " legal exposure was too great '' which is why my funds were now on an indefinite hold by the legal dept. he was as helpful as he could be but had no authority to do anything. other then file a complaint and ask that it to be expedited on my behalf which he did. 

At this point Chase has committed felony theft. They have literally stolen almost $ XXXX from me. They have also accused me of fraud erroneously, defamed my character, and so on. I have never in my life heard of someone being treated like this by a financial institution and quite literally stealing someone's assets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-13 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 have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable XXXX XXXX XXXX XXXX  As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX detailing this issue and seeking a resolution.

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 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
Request for Removal of Discover Bank Account from Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable XXXX. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable XXXX. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credit cards force customers to partake in poor credit practices such as utilizing over XXXX XXXX XXXX XXXX of their credit limit repeatedly for several months before they will even think about granting a credit line increase, regardless of income, payment history, existing expenses and rent, transaction history, on time payments, and all other criteria that lead to a good credit score and a good borrower. They demand that you partake in activities that will LOWER your credit score in order to then hope for a chance at a credit line increase. I was cited as having " low credit line utilization '' as a reason for my denial despite my current credit limit being less than my biweekly after tax income, even lower than my biweekly income after tax, allocations, insurance, everything. They push people to XXXX XXXX up and use as much as they can on their credit limit to try and get an increase to a limit amount that is actually usable for them at their level of income. I will be damned if I will continuously and repeatedly spend near to XXXX XXXX of my credit limit for 6 months straight and tank my score in the hopes of getting an increase in the credit limit to even match my biweekly paycheck. That is reckless, damages credit scores of its customers and is predatory as it incentivizes people to spend in an irresponsible manner and develop a habit of maxing out and riding their cards on payments. We want a country that is strong, stable, prosperous and profitable, and these clowns are demanding behaviors that are fundamentally at odds with the complex system we call a society. They are charlatans who take stable, good, customers and attempt to put them in financially precarious positions instead of partaking in honorable lending where they more than make enough profit off interest and transaction fees. This country is expelling the filth and waste, and they are certainly both of those things. Capital one has evil business practices, I expected a denial to be something bad like overutilization, lack of on time payments, lack of account history, etc, not a rejection saying I am not reckless enough! We need honor and integrity back in our country and its institutions and that will never happen if we don't hold those who would exploit others liable for their evils.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCT GROUP INC.
State: CA

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 2024-09-13 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: AL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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