vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2024-01-08 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: CA

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX claims money owed Never opened account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
There is inaccuracy in my consumer reports and 15 USC 1681 ( B ) protects me XXXX XXXX XXXX as the consumer, my XXXX report claims I owe XXXX XXXX XXXX XXXX while my Equafax report shows the balance at XXXX paid in full and my XXXX claims another amount this is considered Inaccuracy on my customer report which is also against the law as XXXX XXXX XXXX Terms and Conditions page 33 stated they will not give out or sell my information to Non-Affiliates 3 rd parties. XXXX, Equafax and XXXX arent affiliated. These corporations are also violating the Privacy Act of 1974, its illegal to report Transactions History but I am still seeing it present on my consumer reports. A charge off is considered Income why then are there charge off accounts reporting on my consumer reports these are all violations as I have not given written nor verbal consent to XXXX, Equifax nor XXXX to report on behalf of XXXX XXXX XXXX, XXXX XXXX, etc. Under 15 USC 6802 I have a right to Opt Out of anything on my credit report I OPT OUT of XXXX XXXX XXXX reporting to my statement and all other 3 rd party non affiliates reporting on my consumer report without my consent Charge Off are considered income and can not be reported on my credit report kindly remove them all a certificate of indebtness is my income why do you continue to use it against the consumer thats also a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
There is inaccuracy in my consumer reports and 15 USC 1681 ( B ) protects me XXXX XXXX XXXX as the consumer, my XXXX report claims I owe XXXX XXXXXXXX XXXX  XXXX while my XXXX report shows the balance at XXXX paid in full and my Experian claims another amount this is considered Inaccuracy on my customer report which is also against the law as XXXX XXXXXXXX XXXX Terms and Conditions page 33 stated they will not give out or sell my information to Non-Affiliates 3 rd parties. XXXX, XXXX and Experian arent affiliated. These corporations are also violating the Privacy Act of 1974, its illegal to report Transactions History but I am still seeing it present on my consumer reports. A charge off is considered Income why then are there charge off accounts reporting on my consumer reports these are all violations as I have not given written nor verbal consent to XXXX, XXXX nor Experian to report on behalf of XXXX XXXX XXXX, XXXX XXXX, etc. Under 15 USC 6802 I have a right to Opt Out of anything on my credit report I OPT OUT of XXXX XXXXXXXX XXXX  reporting to my statement and all other 3 rd party non affiliates reporting on my consumer report without my consent Charge Off are considered income and can not be reported on my credit report kindly remove them all a certificate of indebtness is my income why do you continue to use it against the consumer thats also a violation of my rights.

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 2024-01-08 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:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND XXXX IS IN VIOLATION OF THE FAMILY AND EDUCATION PRIVACY ACT of 1974, Fair Credit Reporting Act, as I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2024-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND XXXX IS IN VIOLATION OF THE FAMILY AND EDUCATION PRIVACY ACT of 1974, Fair Credit Reporting Act, as I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had an ongoing issue with JP Morgan Chase Bank, XXXX XXXX, as well as their internal fraud department. 

On or about XX/XX/XXXX I opened a checking account with chase bank and upon depositing incoming funds, they flagged my account and accused me of fraud. 
As well as accusatory actions from internal bank branch employees, and the XXXX department they have based out of XXXX and claimed that they would not be opening a chase account due to my " fraud '' history. 

With that being said, I demanded the legal department information to begin legal action against Chase due to the defamatory accusations and their illicit business practices. 

I have previously submitted in writing formal affidavits sent to me by customer claims department back in XX/XX/XXXX ; I even followed up with the claims department at which they confirmed receipt of the identity theft affidavit and the customer complaint docs and advised it would take up to XXXX business days for the information to be reviewed. 
so, from XXXX I managed to file an identity theft claim and open a chase account that was even confirmed by branch agent that those fraud accounts were closed out leaving me eligible for opening a chase account. 

So, after an exhaustive and insulting debacle in the chase branch, due to their failure to process a deposit payment, and or unfreeze my account. I was then contacted by a XXXX over at the XXXX office she provided me a case number XXXX and phone number XXXX ext. XXXX email XXXX to upload same documents i have previously sent to the fraud dept in XXXX and now we are at XX/XX/XXXX and i have yet to hear anything from the case outcome, nor have i not been able to access the current chase account ending in XXXX ; but they did restrict my online banking ability and froze me out of accessing the information. 
I feel that this matter needs to be escalated and they need to be sanctioned for their failure to provide adequate and factual information to me as a consumer, the failure to follow up on an XXXX complaint, the defamatory statements made by the fraud department and the overall treatment done to me. this would be the second complaint I submit over this issue, and i have yet to see any resolution. 

thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX - Acct # XXXX XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 explanation
Consumer complaint received 2024-01-08 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: MI

Complaint narrative:
On XX/XX/XXXX, I visited the XXXX dealership located at XXXX XXXX XXXX, XXXX, MI XXXX with the intention of purchasing a new car. Unfortunately, my plans hit a roadblock as I was unable to secure an auto loan due to what was described as a limited credit history. 

Perplexed by this, I reflected on my credit history, which has been established since XXXX, and has seen me successfully purchase new vehicles XXXX times without any credit issues. Puzzled by the discrepancy, a friend recommended obtaining credit reports from " XXXX. '' To my surprise, the XXXX report accurately reflected my credit history from XXXX, while TransUnion and XXXX only displayed information from XXXX onwards. 

Taking immediate action, I contacted TransUnion and XXXX multiple times, urging them to update their records to include my comprehensive credit history. Despite assurances of resolution within XXXX business days, the issue remains unresolved. The delay in addressing this matter has been both frustrating and inconvenient, and I am eager for a swift resolution to rectify the inaccuracies on my credit 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 2024-01-08 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: IL

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2024-01-08 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: MO

Complaint narrative:
Straight XXXX  that at XXXX Experian starts closing complaints. The explanation is so absurd its not funny and thy want me to AGAIN give here people who can't speak XXXX or even help you my private information. NOT EVEN CLOSE you already double charged my credit card when your rep lied and said if you became a paying member they would fix my account I WILL NEVER PAY XXXX  MONEY

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
A payment in amount of {$100.00} posted to my XXXX XXXX ending XXXX on XX/XX/31 bringing the account balance to {$500.00}. The account has cycled recently, now showing a balance of {$610.00}. Recent activity does not show any recent purchases, shows interest in amount of {$14.00}, does not show any other transactions which would account for balance in amount of {$610.00}. It appears there is an error in crediting payment on XX/XX/31. I've checked with my bank, XXXX, they show payment cleared XXXX, screen shots attached to this complaint.

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 2024-01-08 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payactiv, Inc.
State: RI

Complaint narrative:
I'm unable to view the virtual card number to make payment online

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am trying to get a line of credit to consolidate my debt but i recently got denied. Due to WELLSFARGO LLC Prospectus report, They may sell securities from time to time, and my application i filed was a security which was sold to a third party for money. So i would like my XXXX in credit line since i gave wellsfargo a security. 
We, Wells Fargo & Company, may from time to time offer and sell any of our securities listed above. Our wholly-owned finance subsidiary, Wells Fargo Finance LLC , also may from time to time offer and sell any of its securities listed above. We fully and unconditionally guarantee all payments of principal, interest and other amounts payable on any securities Wells Fargo Finance LLC issues. You should read this prospectus, the applicable prospectus supplement and any additional supplements to this prospectus carefully before you invest.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: WV

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly 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 explanation
Consumer complaint received 2024-01-08 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: MO

Complaint narrative:
Experian sends notification that I can view a dispute online but when you try to view it it says you can't and gives you a number to people who can barely speak XXXX who want your full social security number then after they have it they say WE CANT HELP YOU Scam scam scam scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: WV

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly 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 explanation
Consumer complaint received 2024-01-08 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: WV

Complaint narrative:
Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors. I urge for its immediate removal to ensure the accuracy of my credit information.

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