vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I DON'T RECOGNIZE THIS HARD INQUIRY BELOW: 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 2024-08-06 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-06 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened a checking account through chase bank. My grandfather had his retirement direct deposited into the account, Chase then closed my account for fraud suspicion. I contacted Chase bank and they advised they will release the funds and re open the account after I bring my grandfather into the bank to verify information and his identity. Myself and my grandfather walked into the bank they took copies of his id and social security and he signed verification that his retirement payments are not fraud. Chase then re opens my account with new account number and everything and deposit funds into account so we can withdrawal. A month later my grandfather whom has already been verified by the bank IN PERSON and verification was recorded by making copies by banker XXXX in XXXX, WA my grandfather signed over his retirement check to me for deposit into my account while he would be in hospital ( my grandfather lived with me and his checks helped pay for the bills ) Check was deposited, chase didnt flag anything they just waited the full 10 days for the check to clear and the check did clear by retirement and of course my grandfather the funds were posted to my account a little over {$3200.00} and after the check cleared they closed my account and advised they will be mailing funds to address on file. I received a check in the amount of {$100.00} from my savings account and no check for the {$3200.00} in my checking account. I called a few more times and was told the same thing and that they can hold the money for up to XXXX. Well its now been 2 YEARS!!!! My grandfather has passed away from his battle of multi organ failure. I call yet again and they advise me that yes they have the {$3200.00} and they will not release it to me because they dont believe the funds belong to me. I advised that everything has been verified and they said that dont matter and now that my grandfather is deceased and cant verify AGAIN they will be holding onto the funds because they cant send the funds back because check cleared, they cant send to my grandfather because he is deceased and they dont believe that the funds belong to me. Even after we verified. They manager just said sorry there is nothing she can do for me. So now where does that leave this situation?? So Chase gets to keep mine and my grandfathers money because they THINK it could be fraud!! Even after verification and now 2 years having passed!! Do I need to get a lawyer because the only people being fraudulent is CHASE bank!!! My family is having SEVERE financial hardship currently and this is causing an even more hardship and more strain to my already diagnosed mental state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report. There are several names and addresses that do not belong to me. I previously sent several dispute letters trying to update this information. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other names or addresses listed on my consumer 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 2024-08-06 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: PA

Complaint narrative:
my son didn't return equipment to XXXX. I was billed for equipment at a house that I never lived in. XXXX never notified me of an unpaid balance or unreturned equipment because the address was not part of my account. a collections service sent the bill to me so I went and picked up the equipment and returned it and paid the balance because it was hurting my credit rating. this should never have been on my credit report to begin with. I have tried disputing this with XXXX and TransUnion. 
it was placed in collections on XX/XX/XXXX for {$180.00} and paid on XX/XX/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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-06 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I'm writing to convey my significant worry concerning a couple of addressed accounts that remain mistakenly recorded on my credit report. Regardless of different undertakings to address these slip-ups and reiterated requests for a thorough assessment, there has been no objective or healing move made to date. 

These off-base records are genuinely hurting my credit archive and generally disturbing my ability to have a normal presence. The negative repercussions of these blunders have caused monstrous challenges, and I'm left with no choice aside from to contend for your close by assist with reviewing what is happening. 

I generously request that you direct a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to invigorate and review my credit report immediately. With your help, I want to restore the accuracy and genuineness of my credit archive so I could recover control over my money related thriving. 

I really urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be very significant. 

Thankful to you early on for your cognizance and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> my phone and credit card were stolen. There was an unauthorized charge of XXXX on my credit card I immediately deactivated my card and called ChimeXXXX XXXX XXXX XXXXk XXXX help me retrieve my funds back. Not even 2 days later I received a notice saying my claim was denied with no real explanation. This was very upsetting because these were the funds for my kids school clothes and shoes. I called Chime and asked for my claim to be reopened so I can provide the police report. I sent the police report. I am reaching out because I am diagnosed with XXXX and anxiety this has caused my anxiety to take a toll on me causing XXXX panic attacks. I hate that I can't depend on my bank when situations like this occur. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name { XXXX XXXXXXXX  Account Number { 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 2024-08-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name { XXXX XXXX  Account Number { 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 2024-08-06 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-06 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: MD

Complaint narrative:
I'm a victim of identify theft below are the list of unauthorized companies JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name, XXXX XXXX Account number, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CT

Complaint narrative:
The credit reporting agencies XXXX, Equifax and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I further discovered that the XXXX XXXX inquiry is related to a corporate business account which was not unauthorized by my authority. I have taken the action to have the inquires removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CT

Complaint narrative:
The credit reporting agencies XXXX, XXXX and Experian have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I further discovered that the XXXX XXXX inquiry is related to a corporate business account which was not unauthorized by my authority. I have taken the action to have the inquires removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/year> XXXX Fradulent names and addresses were-added to credit reports Reporting agency denied removal. 
Names and address used fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I paid off my auto loan with USAA in XXXX, but didn't receive a copy of the amended title. CA XXXX states that USAA completed the form incorrectly, and that I must now pay to get it amended before I can get a copy of the title. I need a copy of the title as I have recently relocated to XXXX, where I need to register my vehicle. USAA rather than completely release the Legal Owner, just transferred the Legal Owner to my name, so I am currently listed as both the Registered Owner and Legal Owner. CA XXXX XXXX that this is not correct, and that in order to get a copy of my title I now need to remove myself as the legal owner ( leaving me only as the registered owner ) by filing an Application for Replacement or Transfer of Title ( XXXX XXXX ) form. XXXX XXXXXXXX XXXX that this was an error on USAA 's part but while USAA acknowledge that they did exactly what the XXXX XXXX they did, and don't suggest that the XXXX is wrong, that they didn't make an error and that they did it that way intentionally. 

A {$27.00} Replacement Title and {$15.00} Title Transfer Fee will be charged to process this request by XXXX XXXXXXXX, and despite acknowledging that they did process the transfer in the way the XXXX XXXXXXXX stated, they are refusing to acknowledge that they made an error. I also need to pay to get the form notarized. 

Additionally I was told by USAA twice that the title was mailed to me, which it wasn't. Which they refuse to acknowledge or apologize for.

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 2024-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Company stated that the defective purchase exposed wiring was fixed and credit card company refused to received the email instead slammed me and said send the full balance or offer is void from the deceptive advertising and just closed my complaint with no resolution from.my protection no resolution from the defective product solicits from their store.

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