vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: MN

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 2024-09-04 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: MN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Over the past 2 years, I have had multiple problems with the inaccuracies associated with TransUnion and their less than stellar bookkeeping. Most notably, on XX/XX/year>, I went to XXXX XXXX XXXX to purchase a used car, and the *Dealership* ran my credit to look for suitable creditors that might lend me money for the purchase. There were XXXX total banks and other institutions that were attempted on this singular day, and TransUnion continues to list them all individually as different credit requests by me, even though all were made, by the dealership, on the same day, for the same purpose, within the XXXX week window to be counted as a single credit request. 

All I ask is that TransUnion act legally and cease reporting that I have " excessive '' credit requests when it is their faulty bookkeeping that is truly the issue.

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 2024-09-04 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card with CareCredit. When I applied for the card, they never told me that I would be changed for the statement. In XXXX I received a letter stated that I have a past-due payment to the CareCredit company. I called the credit card company they told me that they had sent me an email regarding my statement. I told them I did not receive any email. It turns out they have the wrong email address. I asked them to remove the late fees, but they have refused. The problem happened because they didn't send a monthly statement and they did not have the right email address, and they told me it was free inters for a year, but that was not the truth because they changed me for interest. I need the credit card company to waive the fees and obey the word with no interest-free for a year. Please I need help, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
my social was stolen and has been used to apply for infomation i have unathorized inquiries on my account that do not belong to me and and accounts that have NEVER been mine and are reporting on my credit profile I have a brand new are not mine 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 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  - WAS NEVER 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 2024-09-04 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: FL

Complaint narrative:
my social was stolen and has been used to apply for infomation i have unathorized inquiries on my account that do not belong to me and and accounts that have NEVER been mine and are reporting on my credit profile I have a brand new are not mine 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 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 XXXXXXXX - WAS NEVER MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
Three credit card inquiries/applications were filed, that I did not apply for. : JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: AZ

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 : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I mailed a check at our local XXXX XXXX XXXX XXXX on XX/XX/year>. It was payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$XXXX} and was for our annual property tax assessment. 
On XX/XX/year>, I received a notice of delinquency from the Tax collector 's office informing us of a past due amount of {$XXXX} plus penalties of {$XXXX} which I subsequently paid to avoid further penalties.. i On XX/XX/year>, I checked the the image of the cashed check and saw the payee was somehow changed to " XXXX '' and cashed somewhere without my knowledge. 
On XX/XX/year>, my XXXX  filed a police report at the XXXX XXXX XXXX ( Case # XXXX ) and was informed that other victims of fraudulent check cashing had filed similar complaints recently and that the responsible parties, including an employee of the XXXX XXXX XXXX XXXX was apprehended and fired. 
We were told to file a claim with the Inspector General, which we did ( Case # XXXX ), and notify our bank ( JP Morgan Chase ) of the situation, which we did also on XX/XX/year> ( Claim # XXXX and XXXX ).. 
After submitting numerous forms to our bank and weekly phone calls, we have yet to receive reimbursement from anyone..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

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 2024-09-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXXXXXX 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
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C . 1681 SECTION A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 c. ( A ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows it 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 2024-09-04 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 SECTION A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 c. ( A ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows it has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
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 2024-09-04 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: FL

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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
On XXXX I secured a personal loan from One Main. As a condition of the loan there were several different accounts that One Main agreed to pay on my behalf. All of the loans were paid with the exception of the payment of {$3400.00} to XXXX XXXX. I have called the office over a dozen times and I have reached out to their HQ and they consistently just yell and scream at me offering no solution other than a check number. I painstakingly shared with One Main that XXXX does not care about a check number if they do not have the money. I have confirmed with XXXX that they never received the payment. The extended issue is that the interest has compiled both with One Main and with XXXX. Additionally, this has an impact on my available credit as it shows on my credit report which has repercussions. The manner in which I have been treated and verbally abused is without conscious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Better Debt Solutions LLC
State: NC

Complaint narrative:
I reached out to a few agencies so I could consolidate my debt. I ALWAYS pay on time, I have never been late, but I wanted to do this before I did start paying late or had to keep from paying because I was drowning. Of course they come back and say they can't do that, but their partner Better Debt Solutions told me they could help me, they could work with my creditors and lower the interest rate. it would not show up on my credit that I was working with someone. It would only take a month, and it would not have a negative affect on my credit. I am paying them a much lower price, it has been almost two months now and my credit is tanking, the creditor who has reported late payment has not been contacted despite me giving them the information multiple times. I was told they work with these companies all the time and it would take no time to fix this, yet every time I mention to the people at Better Debt Solutions, they say they haven't talked to the account managers yet. Which is a contradiction, because they tell you they work with them all the time. 

I worked really hard to get my credit where it was. I did have high utilization, but I always paid on time. XXXX was lowering my limits on my cards almost monthly and that made my utilization go up and my score go down. It was always a battle with these frauds, and they are the first ones to report no payment, which should not have happened because Better Debt Solutions could easily get hold of them. 

The protection bureau should have a program to help people so it doesn't affect your credit scores so much OR make it where credit scores are not what makes a person worthy of things. 

It is absolutely atrocious that a score is what makes a person worthy. People have multiple bankruptcies and they are allowed credit immediately, but hard working Americans do what is right and get the shaft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I currently have an active credit freeze on my TransUnion credit report. I am unable to lift that freeze despite trying multiple points of access. The website will not let me access my account despite changing my password and performing over XXXX identity/email verifications. The phone line routes me through multiple pieces of identifying information after confirming that I want to temporarily lift a credit freeze, then directs my call to the dispute department while advising that I should access the website. The hold time to speak to representative is unknown, as I hung up after XXXX hours. I attempted to reach out through the website chat but had a XXXX minute wait. I finally was able to get in touch with their social media team on XXXX. They asked me to verify my identity through a series of questions. Question XXXX asked for the amount of my mortgage, but could not clarify which of my mortgages they were referring to ( I have XXXX ). The second question asked about zip codes, none of them applied. The third question asked who owned property in XXXX, Texas, where my parents live and listed my XXXX 's name as an option. I don't own property there and never have. I'm not sure what my parents property ownership has to do with my credit account access. I was informed that I did not answer XXXX out of XXXX questions correctly. Now I have to email my bank statements and a copy of my drivers license to TransUnion. I need the freeze lifted immediately, but their system is so broken that I can't lift the freeze.

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 2024-09-04 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: FL

Complaint narrative:
Basis for dispute : Account Name : XXXX XXXX, Account XXXX : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Account Number : Digit sequence show a discrepancy. Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : TransUnion shows XX/XX/XXXX and XXXX and XXXX show XX/XX/XXXX, Closed date : Only reported for Transunion and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history Basis of dispute ( Image of 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 2024-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, activated 19 % cashback rewards for XXXX through Capital One Shopping app and purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

There has been no acknowledgement of the cash back being accounted for this order. Emailed support at XXXX and was provided with a vague copy paste of general availability of cash back rewards for eligible orders with no specific information related to my order.

Company response to consumer: Closed with monetary relief