vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: NC

Complaint narrative:
I was under the impression that these accounts would be deleted yet they remain on my report as write off or closed but I demand this be removed from all the agencies given the fact this was done without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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 NOTICED UNAUTHORIZED HARD INQUIRES ON MY REPORT OR I BELIEVE SOMEONE APPLIED FOR SOMETHING IN MY NAME. REMOVE ALL FRADUALENT ACOUNTS IMMEDIATELY

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 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
This debt collector put a fraudulent debt on my credit file with XXXX that I have no knowledge of or been notified of this debt. I was a victim of identity theft during the XXXX data breach and would like this debt removed or the company providing documentation to prove that this is my debt under the FCRA section 604 where they didnt notify me of this debt before placing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also remember that charge off accounts are treated as income since a 1099 was submitted in relation to the charged off account and income may not be reported on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$480.00} ; 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 2024-01-19 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-01-19 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NY

Complaint narrative:
There's hard inquiries on my credit profile that are not mine I noticed when I was reviewing my 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 2024-01-18 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: NY

Complaint narrative:
There's hard inquiries on my credit profile that are not mine I noticed when I was reviewing my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
Since XXXX of 2020 I have been dealing with identity theft, after filling a police report when my purse out of my car, all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my unemployment EDD debit card was stolen. Which resulted in my dealing with them taking over {$25000.00} dollars from me during the pandemic. I have send off credit reports and dispute letters to all three credit bureaus, XXXX XXXX XXXX and Experian requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit reports. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Nothing has changes

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 2024-01-18 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: NY

Complaint narrative:
There's hard inquiries on my credit profile that are not mine I noticed when I was reviewing my 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 2024-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
They have been sending statements since a few years ago, I thought I closed the account in early 2022. I have a pdf of the last statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: OH

Complaint narrative:
I checked my credit information and there was late payments on there and i want to get that resolved and off 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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
In XXXX  2023 I requested the temporary deactivation of my XXXXXXXX XXXX 

On XX/XX/XXXX I asked in XXXX support chat for my XXXX XXXX  to be reactivated. 

After I reactivate my XXXX, my Apple Card can not be added to XXXX XXXX on any of my XXXX devices : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX Account Balance also can not be added to XXXX XXXX However, my wife is a co-owner and has full access to the card and everything works fine on her XXXX. 

Initially I asked XXXX support for help. I went through XXXX XXXX agents who assured me that the problem was not on their side and transferred me to a Goldman Sachs agent. The latter asked the responsible team for 10 days to resolve my problem. 

No resolution has been made so far. 

I ask that all contact with me be made via email. 
I don't speak XXXX well enough for a phone call. 

my appleid XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
here is 100 % evidence of corruption and fraud by transunion I paid off {$9000.00} on my debt huge amount bringing my debts to XXXX {$0.00} Transunion corrupt fraud credit score only added XXXX points on my score LOOK AT IMAGES Transunion further evidence of their corrupt fraud. 1 company made 1 inquiry on my credit and XXXX points XXXX debt paid XXXX points XXXX inquiry XXXX points YOUR CORRUPTION DOCUMENTED Federal govt OIG needs to investigate and pursue action against Transunion

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 2024-01-19 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: AZ

Complaint narrative:
Never rent an apartment with that address, Collection agency can not confirm that the debt is belong to me moreover collection agency has no evidence, only my name and date of birth which is can not be used for debt validation, cuz its public 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
Consumer complaint received 2024-01-19 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: VA

Complaint narrative:
I reported that a collection agency, XXXX XXXX XXXX was reporting my information that was over 12 years. I dont recognize the values since it was closed nearly 12 years ago but under fair reporting, this should not even be listed.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: DC

Complaint narrative:
Dear FINANCIAL RECOVERY SERVICES INC, I am responding to your contact about collecting a debt that I do not owe to you. You contacted me By mail on XX/XX/year>, and identified the debt as a XXXX XXXX XXXX account as of XXXX in the amount of XXXX. I do not have any responsibility for the debt youre trying to Collect. 
I have never had an account with FINANCIAL RECOVERY SERVICES INC. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all communication with me and with this address, email address and phone number and record That I have dispute having any obligations for this debt. If you stop your collection of this debt and forward or return it to another company please indicate to them that it is being disputed, If you plan to report this debt to a credit bureau or have already done so please also report that the debt is being disputed. 

Thank you for your cooperation Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I checked my credit information and there was late payments on there and i want to get that resolved and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my credit information and there was late payments on there and i want to get that resolved and off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : 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 2024-01-18 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: Nelnet, Inc.
State: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Notice a few errors on my report so i send in a dispute letter telling them what is wrong with my consumer report. and asking the credit reporting agency to do a proper investigation. About a few accounts that is showing missing Data and incomplete report. only to have them send me stall letters telling me they receive my dispute but will not do anything about it. i also send in copy of my social and copy of my ID WITH ADDRESS. 
PLEASE SEE ATTACHED LETTER THEY SEND ME.

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 2024-01-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear cfpb I hope this message finds you well. I am writing to express my dissatisfaction with the way a recent dispute was handled by Chase Bank regarding a transaction on my account. 

Transaction Details : Type : Sale Transaction Date : XX/XX/2023 Posted Date : XX/XX/2023 Description : XXXX Merchant Type : Discount stores Method : Online, mail, or phone ( XXXX XXXX  ) Category : Shopping Reference Number : XXXX Amount : {$48.00} Total Rewards Points Earned : XXXX The issue arose when I made a purchase on XXXX, and the seller failed to provide the promised free return service. Despite my attempts to resolve the matter directly with the merchant, I was unsuccessful in obtaining a satisfactory resolution. 

Subsequently, I initiated a dispute through Chase Bank to address this issue and seek a fair resolution. Regrettably, I found the process to be unsatisfactory. The communication and support provided during the dispute resolution were subpar, leaving me frustrated and dissatisfied with the overall experience. 

I understand that dispute resolution can be complex, but I believe that as a valued customer, I deserve a more transparent and efficient process, especially when faced with a situation where the seller did not adhere to the agreed-upon terms. 

I kindly request a thorough review of this dispute case and would appreciate any assistance in ensuring a fair resolution. Your attention to this matter is highly appreciated, and I trust that Chase Bank will take the necessary steps to improve the dispute resolution process for its customers. 

Thank you for your prompt attention to this concern. 

Sincerely, XXXX

Company response to consumer: Closed with explanation