vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXXXX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the XXXX major credit bureaus ( XXXX, Experian, and XXXX ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2024-09-25 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: NY

Complaint narrative:
On Sunday early morning ( XX/XX/XXXX ) at about XXXX my account was hacked and over 29 transactions were presented to my account from 3 different companies XXXX- 25 transactions@XXXX XXXX- 2 transactions@XXXX XXXX XXXXo- 1 transaction@XXXX XXXX XXXX XXXX 1 transaction@XXXX ( this is a supermarket that is not open at XXXX am ) totaling : {$2400.00} Money was moved from my savings account. This is money that took me years to save for my family. Hard earned money that while I slept someone took and used at their leisure. Who makes this many transactions starting at XXXX.? 
The phone number on my account was changed to XXXX as per an email I received from CHIME @ XXXX. 
This is not my phone number My account was also assessed in South Carolina @ XXXX and then again in XXXX XXXX XXXX on the same day Emails I received on my account from CHIME is attached showing all the different changes made to my account, on XX/XX/XXXX that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: RI

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 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 2024-09-25 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: RI

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 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 explanation
Consumer complaint received 2024-09-25 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX FI XX/XX/XXXX XXXX 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 2024-09-25 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-09-25 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: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XXXX XXXX, 2023 These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

po box XXXX, XXXX XXXX, CA, 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 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to lodge a complaint against JPMorgan Chase Bank regarding their handling of my XXXX issue related to my account. Since XX/XX/XXXX, Chase has removed phone numbers and email IDs from my XXXX, preventing me from adding any new phone numbers or email IDs. 

I have contacted Chase multiple times to resolve this issue, but their responses have been inconsistent and unhelpful. Initially, they directed me to contact XXXX XXXX, then XXXX, and finally XXXX. After spending several hours and escalating the issue to a high level, XXXX confirmed that Chase had placed a restriction on my phone number ( XXXX ). XXXX assured me that they had not imposed any restrictions and that the issue was solely with Chase. 

When I contacted Chases customer service team, they claimed there were no issues with my phone number, email ID, online banking, cards, or any other services. Despite this, I am unable to use XXXX through Chase. I even visited a Chase branch and spent several hours there, but the issue remains unresolved. The branch staff informed me that it could be system issue because i'm holding multiple accounts. 

XXXX has confirmed 100 % that the restriction is not on their side and that Chase has added the restriction due to a supposed policy violation. However, Chase has not provided any clear explanation or resolution. This situation has severely impacted my ability to conduct transactions, as I was supposed to receive money through XXXX but can no longer use the service. 

I am extremely frustrated with the lack of transparency and support from Chases customer service, online team, Chase XXXX support, and even their executive office. It appears they are trying to cover up the issue rather than disclose the real problem. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and assist in resolving this issue promptly. I appreciate your attention to this matter and look forward to your assistance. 

Ref : Chase XXXX ID XXXX BBB Complaint : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TN

Complaint narrative:
ive been trying to handle this with XXXX XXXX  directly however they will not abide by the fdcpa laws neither the fcra by removing this inaccurate reporting collection from my credit reports.. they are blatlenty breaking the law and refuse to clear up this matter. XXXX XXXX  refused to show me my signature validating the selling of this debt being sold to XXXX XXXX And XXXX XXXX can not show me my signature stated that i have a contractual obligation to pay them {$640.00}... also they are listing the account as open when this is nnot active debt... this is a very clear and blatant violation of the fdcpa and the fcra, ive even cc 'd the proof the reporting..!!! i am very stressed because they are tearing my credit apart and blatently violating the fdcpa and me as a consumer. This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter

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 2024-09-25 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: TN

Complaint narrative:
ive been trying to handle this with XXXX XXXX directly however they will not abide by the fdcpa laws neither the fcra by removing this inaccurate reporting collection from my credit reports.. they are blatlenty breaking the law and refuse to clear up this matter. advanced financial refused to show me my signature validating the selling of this debt being sold to XXXX XXXXXXXX. And XXXX XXXX  can not show me my signature stated that i have a contractual obligation to pay them {$640.00}... also they are listing the account as open when this is nnot active debt... this is a very clear and blatant violation of the fdcpa and the fcra, ive even cc 'd the proof the reporting..!!! i am very stressed because they are tearing my credit apart and blatently violating the fdcpa and me as a consumer. This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or XXXXXXXX verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to request your assistance with a matter that has significantly impacted my financial standing and credit due to circumstances surrounding the COVID-19 pandemic. In XX/XX/XXXXXXXX I signed a lease renewal at XXXX XXXX XXXX in XXXX, AR, while attending XXXX XXXX XXXX and residing in XXXX XXXX. At the time, I had no way of knowing that the world would soon face a global health crisis. 

When the pandemic hit in XX/XX/XXXX, our university moved to online instruction. In response, I made the difficult decision to move back home to protect my family, as both my mother and sister have XXXX, a XXXX XXXX XXXXXXXX. I also carry the XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. I continued paying rent for the remainder of the XXXX lease, despite no longer living in the apartment. 

However, I decided not to sign or pay for the new lease due to the ongoing health risks and uncertainty surrounding the pandemic. I communicated these concerns with the apartment management, hoping they would show flexibility given the unprecedented situation. Unfortunately, they did not make any concessions, and an eviction was filed against me for the new lease period, resulting in a large balance that remains on my credit report. 

This eviction has had a severe financial impact on me, and more importantly, it has left a lasting stain on my credit report that hinders my ability to secure housing and other essential services. I believe this eviction does not fairly reflect my circumstances, as it was caused by a global crisis beyond my control. 

I kindly request your offices help in advocating for the removal or resolution of this eviction from my credit report. As a responsible tenant and student, I made these decisions to protect my familys health during a once-in-a-lifetime pandemic, and I hope this can be understood and considered. 

While I understand that eviction proceedings and credit reporting practices may not fall directly under your jurisdiction, I am appealing to your office for guidance, intervention, or mediation to resolve this matter equitably. 

Thank you for your time and consideration. I would be grateful for any assistance or advice your office can offer in helping me restore my credit and move forward from the challenges of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX is stating too many inquires as a denial and in the last 15 years I have not inquired fir any credit and XXXX Experian XXXX XXXX confirmed this statement is false from XXXX XXXX Amount of bank cards says to baby I only gave 1 bank account With one debit card again false reason Amount of credit available in bank cards I have no bank cards only a debit card which is my money again falsely stated by XXXX XXXX XXXX XXXX ran my credit 2 times one without my consent the same week. My credi was locked I actually called them to faster u received a call that I needed to contact them. I was told to unlock my credit and then they would check on my application. I asked specifically if my credit would be pulled I was told no! Recorded lines!!!!! 
Next day alert from Experian my report has a change! Now I have 2 inquiries in the same week. This is illegal and damaging. I called Experian and because I caught it the sane day they removed one inquiry. 


Still not thinking I would be declined I called XXXX XXXX which did not know I had the inquiry removed said they would correct their mistake and have the one inquiry removed and review my application! 

Careless because I had the lick removed and there should not be a second inquiry or a denial I want proof as to how they are showing too many inquiries What number and name of bank account they are referring as too many open And explain what amount of credit available on open bank accounts they are stating I have almost XXXX percent in used available credit which is good. They must not understand what available credit means My score is XXXX excellent in every scoring.. 

Need the inquiry removed because they are not even skilled at reading credit scores. They are intentionally responding with the same reasons that are false. They need to study what they are doing and understand how credit reports read!!!!

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 2024-09-25 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:
id theft victim these following accounts do not belong to me XXXX  XXXX XXXX XXXX. Authorized user XXXX  Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX XXXXXXXX and report the user of this card. I have my own XXXX XXXXXXXX card. 


XXXX XXXXXXXX card ending in XXXX balance is paid in full

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 2024-09-25 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: FL

Complaint narrative:
id theft victim these following accounts do not belong to me XXXX XXXX XXXX XXXX. Authorized user XXXX Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX  XXXX and report the user of this card. I have my own XXXX XXXX card. 


XXXX XXXXXXXX card ending in XXXX balance is paid in full

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