vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX TransUnion, LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX Dear Transunion, On XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX  XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( XXXX ) and Miller v. Equifax Information Services LLC XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, 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 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To clarify, Chase never responded to my letter. I did call their Claims Dept and was verbally informed that we did not prove fraud and would need to resolve this directly with the merchant. Unfortunately, my wife and I were the victims of Fraud. Here are the facts, on XX/XX/23, my wife received an email communication from Chase Bank that our account was overdrawn. She knew that this could not be correct as we had a substantial balance and she contacted Chase Bank by phone, immediately. She was informed of the two XXXX XXXX tickets purchases, {$800.00} & {$840.00}, causing the overdraft. She immediately informed the Chase Bank Employee that she didnt purchase any airline tickets and that this must be a fraudulent purchase. She requested the purchase be nullified and the account reimbursed and closed, to prevent any future fraud. The account was closed, and she was issued a knew Debit card in the mail. The Chase Bank Employee responded that the transaction had not yet been executed and that she would cancel it. My wife ended the call thinking the situation was resolved. To our surprise, Chase Bank later debited the money from our checking account. My wife called Chase Bank, spoke to an employee explaining the above. We then recently received this letter, included approximately 1.5 weeks ago, rejecting our claim, and stating that Chase Bank Claims Division determined that we purchased and/or authorized these two airline purchases. I am including our letter emphasizing that the email and phone information provided by Chase demonstrate the Fraud as they are not my wifes email account and phone and that this is the essence of a fraud case. Chase insisted that she may have multiple email addresses and phones. In other words, the burden of proof of a " negative '' is on us. This is absurd ; we can not prove a negative and would be willing to provide affirmative testimony under perjury penalties that these are her only email acct. & phone #. Additionally, it is equally absurd for us to contact XXXX XXXX as we never made these purchases. 
However, on XX/XX/23, my wife did so any way and the XXXX XXXX employee, ID # XXXX, informed her that XXXX never issued payment for these 2 purchases as these are under dispute. Either XXXX XXXX is lying, or Chase Bank is lying, and we are stuck in the middle, each one claiming the other is responsible. To summarize, my wife, nor anyone else my family, made these 2 XXXX XXXX purchases. They were totally fraudulent purchases. My wife acted immediately to prevent these transactions, close, and protect our bank accounts and acted in good faith. Chase Bank from onset provided inaccurate information, reversed itself and put an impossible burden of proof on innocent victims. I am including all the relevant documents in my fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/23, I was on the US Mobile App. Under the manage account, it stated that you can add Smart Rewards to your account. So I clicked to add them. This ended up changing my account type, which is not what I wanted to do. I immediately called upon seeing the change in my account. I was told that the 24 hours bankers couldn't change it back and that I had to go to a branch to change it back as they no longer offered that account. I made a virtual appointment as well as emailed the CEO. The virtual banker said that she had to reach out to the tech team to fix it. Then she emailed me that they couldn't change it back. I got an email from the executive team that they don't offer it anymore so they wouldn't change it back.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian stopped updating information to my credit card credit account since XXXXXXXX XXXX ; they listed the account as active but having " no status '', even though they've been receiving account information from my credit union. The account has been very active and there is plenty of current information available, as my credit union sends it every month ; but because Experian has stopped using the information that is reported to them every month, my FICO score has been eliminated : Experian suggests that they reason for no FICO score is that there is not enough information. 

Experian has been thoroughly notified repeatedly by my credit union that the credit report is inaccurate. I have explained it to them very thoroughly, on three occassions. Experian told my they credit union that they would update their credit report, but they have not done anything. They're phony response to the Consumer Financial Protection Bureau completely ignored my thoroughly detailed explanation. 

They have made no serious effort to repair their error and they continue to prevent me from acquiring a mortgage by eliminating my FICO score.

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 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2023, while on a road trip to the state of Florida, I attempted to use my Comenity Master Card on XX/XX/2023. The card was declined, and I simply believed it was because I was out of my home state of Illinois. After arriving home on XX/XX/2023, I attempted to use my Comenity credit card again, and while making a small purchase, the amount, much lower than my available credit, the transaction was declined once again. This time I called the customer service number, and I was told I had some indicators on my credit report that indicated a significant change and a consumer report had to be provided before any available credit was made available to me. 

I explained that I had not received anything in writing, by US Postal Service, email or on the Comenity account portal regarding this issue. I asked why would I agree to this if I have not been contacted by Comenity Credit Card? I was told by customer service representative, XXXX, from the Texas call center, it would be a call I would have to place at time of a transaction being declined. I asked if I could have an authorization form sent to me, allowing me to read what I was agreeing to, in regard to the credit pull Comenity Credit Card is asking I give a verbal agreement to. Customer Service Representative XXXX said no, it this would be a verbal agreement. I explained this agreement, you are asking any credit card holder to make, when a transaction is declined, would be an agreement made under duress. How can a person be made to agree to a consumer report being ran without a written authorization form, when a transaction is declined. I requested to speak to a supervisor. I was connected to Senior Account Specialist XXXX XXXX. XXXX XXXX stated the same. This would be a verbal agreement, but she would notate the account, stating I was not agreeing to a verbal agreement that would allow Comenity to run my credit, but my suspended status would remain on my Comenity Credit Card Account. XXXX XXXX stated if I wanted to know if this would be a hard inquiry or a soft inquiry, I would need to personally contact the individual credit reporting agencies. I told her it was totally unacceptable to expect a consumer to contact the credit reporting agencies regarding an inquiry the consumer did not request. And NOT PROVIDE any written documentation explaining what the consumer is agreeing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I have some late payments reported on my credit report that are still open and current this was not authorized by under law. I also noticed 4 hard inquiries that have not been removed within the two year timeframe.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I have some late payments reported on my credit report that are still open and current this was not authorized by under law. I also noticed 4 hard inquiries that have not been removed within the two year timeframe.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have some late payments reported on my credit report that are still open and current this was not authorized by under law. I also noticed 4 hard inquiries that have not been removed within the two year timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-07-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LDF Holdings, LLC
State: WI

Complaint narrative:
Lendumo is taking money from my checking account on a loan I did not do This is a fraudulent loan that they have been taking payments out of my account Have been trying to work with the company to refund payments they took from me. Did a police report, an affidavit and copy of bank statement showing I never received the money. They are not refunding my money. It is {$1000.00} that they owe me. I have been trying to resolve this account for 3 months now. They will not resolve this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2023 I applied for a credit card XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX. My application was denied because XXXX XXXX XXXX informs me in the application decision that my Trans Union credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. 

I contacted the Trans Union company and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. 
I contacted the credit bank XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX XXXX and a manager responded to me informing me that the only way they can reconsider my application is for Trans Union to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. 

I contacted Trans Union again and they do not have a letter format to send to XXXX XXXX XXXX bank the rectification that there is incorrect information in the decision of my application for the XXXX credit card. Only they can give me a copy of my credit record, which I should send to XXXX XXXX XXXX so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. 

I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. 
I ask that Trans Union please inform XXXX XXXX XXXX that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. 
I also request that XXXX XXXX XXXX reconsider my application based on the response to be provided by Trans Union, which shall report that the information in the negative credit card response provided to me by XXXX XXXX XXXX is incorrect. 

Attached the XXXX XXXX XXXX credit card refusal response, where it shows that they are based on information obtained from the company Trans Union.

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 2023-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I received two separate billing statements for two home improvement loans, one that my wife supposedly took in the amount of {$50000.00} and another statement for a loan in my name for {$43000.00}. 
Both billing statements received requested banking information to signup for ACH payments. 
I called the company on numerous occasions to let them know that a mistake was made and that we never received or applied for any home improvement loan. They were adamant that without supplying further detailed personal information they couldn't discuss or acknowledge the loans. 
This is a case of fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
In XX/XX/XXXX, I made the final payments on a vacation package for XXXX XXXX. XXXX XXXX canceled the vacation the day before I was scheduled to leave. I filed claims against all of the forms of payment is used to pay the vacation package in full. XXXX XXXX promised a refund for the vacation to customers. I did not receive the refund as expected by XX/XX/XXXX, so I filed the claims with my banks and credit cards. ALL funds were refunded EXCEPT Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There has been fraudulent activity with my social security number. Equifax should be the first to recognize this. There are inquiries that have been disputed and they remain. They are clearly fraudulent and need to be removed. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.

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