vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-30 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-30 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: AZ

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX with a balance of {$9000.00}, XXXX XXXX with a balance of {$700.00}, XXXX XXXX with a balance of {$820.00}, XXXX with a balance of {$13000.00}, XXXX XXXX with a balance of {$920.00}, XXXX XXXX with a balance of {$780.00}, XXXX XXXX with a balance of {$580.00}, XXXX with a balance of {$2700.00}, Management Support with a balance of {$2100.00}, XXXX XXXX Bankruptcy with a balance of {$0.00}, XXXX XXXX ( inquiry ) and XXXX XXXX XXXX ( inquiry ). 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX and # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-30 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-30 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX  its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I opened a PenFed checking and savings to deposit my XXXX widows pension check into a month ago and have had continual problems with the lack of customer service. I used to have an account with years ago so thought they would be okay to use, but right off the top there have been issues. They sent my debit card to my old address then after waiting weeks and not receiving it I called them and they figured it out and resent it to me at my current address. Then was trying to set up my autopays on the account and the businesses sent the payments through a week before the payment date I set them up for so of course this caused them to be returned and I called PenFed and asked them to refund the fees of {$30.00} each which they did and told them I g do o not want any fees on this account or I will be moving it! They assured me that would not be an issue with them. They do not offer courtesy pay which I have had on all of my accounts for the last XXXX years but instead make you apply for it and pull your credit report. So I was declined as I dont use credit. I only have my student loans and car note and a couple of small balance accounts that charged off after I was pulled off work in 2022 at the State of IL XXXX  after XXXX years of working XXXX XXXX hr weeks during the XXXX   for XXXX XXXX XXXX  with XXXX symptoms due to how bad I was treated by them and a hostile work environment. I finally have all bills set up except my car insurance which just came through and I also received a refund check from prior overpaid insurance I wanted to deposit but my mobile deposit would not allow me to make a mobile deposit yesterday so I tried to deposit it as a paper check via only ATMs near me that are affiliated with PenFed and it does not take deposits other than cash! I then called PenFed today to ask for help with all and was not helped but told the account was blocked from mobile deposits, which I have never even used before, because of the returned payments I mentioned above and by the way they did NOT pay those payments they just sent them back and tried to gouge me for {$30.00} for each of them!! Credit unions are not for profit banks but it is obvious this is what they are attempting to do by returning all, adding the fees and blocking me from the ability to make a deposit to my account! I have worked county, state and federal government and they are supposed to be a credit union for all federal government employees and provide excellent service but seem to be focusing only on helping certain individuals and ignoring help to those who need help! There are no full service ATMs near me where I can make a check deposit and they are preventing me from doing so by mobile deposit! Please address the issues!

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS : Late Payment XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
After I checked my credit profile I saw some inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit score plummeted from XXXX to XXXX in XX/XX/year> ( from good to poor ). I contacted the credit report agencies and they told me to ask my bank what happened because they received a report on an account information dispute from the bank. I called my bank and they told me that they have no record of any dispute or change in circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After a careful examination of my recent credit report, I identified several accounts that appear to be incorrect and were included without my knowledge.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

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 2024-09-30 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: Early Warning Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX, ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 



XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX XXXX Consumer ID XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Dear Sir/Madam, I have recently obtained a copy of my consumer report from Early Warning and have identified some discrepancies that I wish to challenge due to identity theft. I don't recognize the following accounts in question. I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my early warnings report immediately! I've attached a copy of the report to this request. Thank you for your assistance. 


XXXX XXXX XX/XX/XXXX Bank Routing # XXXX Account ( XXXX ), XXXX  XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account # ( XXXX ), XXXX  XXXX XXXX Maryland XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX  XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX XXXX  XX/XX/XXXX Bank XXXX XXXX Account XXXX XXXX Bank XX/XX/XXXX Bank Routing XXXX Account ( XXXX, XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Routing XXXX Account # XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, Branch Banking And Trust XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, Branch Banking and Trust XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX I understand that as a credit reporting agency, ( Early Warning ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>, my husband, XXXX XXXX XXXX died. His XXXX  XXXXXXXX XXXX XXXX XXXX last XXXX # XXXX, SS # last XXXX XXXX rolled over with an Annual Fee of {$99.00} on XX/XX/year>. At that time, XXXX had already suffered a XXXX XXXX XXXXXXXX affecting his ability to read and understand paperwork in XXXX, was in XXXX, XXXX and XXXX XXXX. As the Executrix of his estate and his Widow, I was not aware of this credit card account until notified in writing of a late fee on XX/XX/year>, and I called Chase Bank immediately, providing them with all requested information and making them aware of his physical and mental state on XX/XX/year>, clearly stating that he did not need a credit card with an annual fee as he was deceased ( see attached death certificate and Estate paperwork ). XXXX  I was informed that the XXXX  day grace period had passed to stop renewal of the card. I informed them that I was unaware of the credit card and that XXXX was deceased and unable to inform me, as executor. Then, calling XXXX  more, I was informed that the late fee and Annual Fee had been expunged. Then, in XXXX and XXXX, I was informed that " somehow '' the Annual Fee of {$97.00} had been re-applied by the " Back Office. '' I was informed that I am unable to talk to the " Back Office '' directly to attempt to resolve this issue. I was informed that the " Back Office '' had been emailed XXXX  times by Chase Agents and that they would reply regarding the issue. No reply has been forth-coming. This is no way to treat a customer or a Widow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
After I checked my credit profile I saw some inquiries that are not mine.

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 2024-09-30 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 am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the XXXX XXXX. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to XXXX, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX  continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.

Company response to consumer: Closed with explanation