vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax didnt respond back on a hard inquiries complaint ( XXXX + business days ) Complaint company hard inquiries XXXX, XXXX XXXX XXXX, XXXX,,, XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX, XX/XX/2023. 

I have a fraud alert on my credit profile and didnt give no one permission to look into my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-11-02 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: MO

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-02 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: FL

Complaint narrative:
Please delete this account and delete these inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called Transition several times for items to be removed from my credit report I also asked for a Investigation and I don't believed I was provided a full investigation because if I was then the items would be removed from my credit report because they would be able to see that I have never lived at that address or had that phone number. I really don't want to have to sue them I have provided a police report as well and every-time I ask if they have gotten they lie and tell me they haven't gotten it but that a lie. I also asked if they show, me proof that they have did a investigation and not a computer

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 2023-11-02 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: NC

Complaint narrative:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a credit report to make sure that everything was up-to-date and correct. While checking my credit report, I noticed that there were some inquiries that I didnt apply for. I sent letters to all three credit bureaus. I told them that these inquiries are on authorized and they still havent removed them on my credit report. I did not apply for these accounts and Im not sure whats going on. Till this day, I am not sure why they are not removed on my credit report. So are you able to correct this error.

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 2023-11-02 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: CO

Complaint narrative:
XXXX Removal of Inaccurate XXXX XXXX I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by Experian. I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under XXXX XXXX XXXX. 

I have recently reviewed my credit report obtained from Experian and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called about a declining checking account balance. Advised rep that it was {$70.00} in service fees since I signed up for their new high interest savings account. Asked for actions to be undone as it wasnt disclosed at that time that I would incur a XXXX XXXX XXXX  fee. Rep stated only {$50.00} in fees assessed and statements I was reading to her were wrong. Spoke to a supervisor who offered to only waive {$20.00}. Closed accounts. Again requested statements from last 12 months. Told I cant without a fee being charged and that they mailed my statements. In the 6 years of membership, never has a statement arrived by mail. Also asked for member number so I could fill out board of director form on PenFed site and was told member number cant be given but its on statements. Again told statements would have a fee assessed even for digital delivery. UDAAP violation. Request hearing.

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 2023-11-02 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: SC

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-02 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:
None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, a natural person, noticed an account in amount of {$630.00} round about XXXX, XXXX. In XXXX, XXXX I disputed the account as I had no idea what this was or the furnisher ( XXXX XXXX XXXX ) On XX/XX/XXXX TransUnion LLC responded with the account being verified and then later in XXXX, XXXX I noticed it had been removed from my TransUnion credit report until XXXX, XXXX when I got notification that a new account had been opened on my TransUnion credit report. According to 15 USC 1681i ( 5 ) ( B ) ( i ), TransUnion LLC has to certify accuracy of information. According to 15 USC 1681i ( 5 ) ( B ) ( ii ), TransUnion LLC shall notify the consumer when accounts are deleted and reinserted. I never received any notice according to 15 USC 1681i ( 5 ) ( B ) ( iii ), who the furnisher of information is, business name, telephone phone numbers or who contacted TransUnion LLC nor was I advised of how I could add a statement to the accuracy and completeness of the information from TransUnion LLC. Thus, my consumer rights have been violated. On XXXX and according to 15 USC 1681i ( 6 ) ( B ) ( iii ) I advised that I never received notice of reinsertion and I requested a description of the procedure used to determine the accuracy and completeness of the information according to 15 USC 1681i ( 7 ). Thus my consumer rights have been violated as I never received this information whatsoever. According to 15 USC 1681i ( a ) ( 2 ) ( A ) TransUnion LLC shall promptly provide and notify of Dispute to Furnisher of Information. My rights violated yet again because On XX/XX/XXXX, I received a response from TransUnion that the account had been previously verified and yet again no notice went out to the furnisher of information that I am disputing the information and thus my rights have been violated. I have made multiple attempts by certified mail to dispute the validity, amount of {$630.00} and accuracy and completeness of an account furnished by XXXX XXXX XXXX with TransUnion LLC. As a result of the reinvestigations never taking place, the account was never investigated.

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a long time customer of Chase Bank and have Checking, Savings Business Accounts. In addition I have a Chase Sapphire Credit Card & Chase XXXX XXXX Credit Card both which have accumulated a large amount of Rewards Points as they are used for my business operations in which I rarely have used any of the rewards points. I decided to check on the balance for my rewards points on around XXXX of XXXX  and unbeknown to me Fraud or Scammers must have been able to access my rewards points and had been redeming them for gift cards going all the way back to XX/XX/2023. I immediately called Chase JP Morgan Bank to report this fraud in which only XXXX card was canceled at the time and a report filed for Fraud and I would receive the reimbursment of the rewards points in XXXX business days. After this time passed nothing came up so I then called again to Chase JP Morgan Bank and received the same line of XXXX business days in addition I found out that my other credit card was also compromised and even the Chase representative mentioned that the first representative failed to ensure that all my other accounts were safe and protected from the fraud or scammer accessing my accounts. This was very negligent on their part and she proceeded to cancel and re send other credit cards and changed my account numbers. We are now in XX/XX/2023 over 3 months have passed and I have yet to receive the full reimbursement for the rewards points which add upwards of XXXX. 

This is very negligent as Chase JP Morgan is responsible for the safe keeping of my accounts and this level of breach was a significant damage to myself and can only imagine the others that may be experiencing this same level of damage. This poses a huge threat to the integrity of the safety for consumer accounts and identities and would like to have this furthur investigated and receive a Full Reimbursement for all of the points that were illegally taken from the Fraud that occured. Any Chase JP Morgan client should be aware that this can be happening without their knowledge and I strongly advise to look into the rewards points they have accumalated and review to ensure they are not being redeemed by a scammer/fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2023 I received an email from JPMorgan Chase that they were reviewing a new request for a Chase Freedom Unlimited credit card application. I have never had a credit card with them and did not request one. I called them and let them know. They told me they flagged this as fraud and cancelled it and that they will be correcting the credit inquiry on my credit report. 
This is the XXXX occurrence in less than a month. They refused to share any information on the credit application. They also said it's impossible for them to not run my credit when they receive an application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-11-02 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: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}.

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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CO

Complaint narrative:
I made a request to Discover to increase my credit limit and also applied for a balance transfer card. In response, on XXXX XXXX, I received the following email from Discover ( their email is contained within the quotation marks below ) : " XXXX, Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

Within 5 days, please click the 'Review and sign ' link above to provide consent via IRS Form 4506-C. Until this verification is complete, a temporary hold has been placed on your Discover Card account. If you do not provide the requested consent by the indicated response date, your account will be closed. 

This verification process will consider your tax information from the last two years. If you have not filed taxes during this timeframe, please provide consent as described and then contact Discover immediately to discuss additional required steps. 

We appreciate your prompt attention and cooperation. 

Sincerely, Discover Financial Services '' I have a new career where my pay has increased substantially, as such, I have also relocated from Texas to Colorado. This is not going to be reflected on my taxes for the previous year, as this change occurred only 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this 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 non-monetary relief
Consumer complaint received 2023-11-02 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: MO

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-11-02 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: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: FL

Complaint narrative:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief