vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The creditors is reporting inaccurate information in CAPITAL ONE Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: NJ

Complaint narrative:
I am writing to request the removal of certain addresses and phone numbers from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c. 
I contacted XXXX, Experian, and XXXX and has had no help with the removal of the following items that I have identified. Several addresses and phone numbers which are either outdated or no longer relevant to my current circumstances. The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 

The following outdated addresses and phone numbers should be removed from my credit report : Addresses : 1. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 3. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 4. XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 5. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX and XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : Current Address ) 7. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) Phone Numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX 8. ( XXXX ) XXXX 9. ( XXXX ) XXXX I believe that the presence of these obsolete addresses and phone numbers does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 

I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 

I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 

Thank you for your prompt attention to 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested a credit report for Equifax ( XX/XX/XXXX ) and, discovered expired information on the report. Im concerned because my credit report shouldnt have anything on it due to the data breach that occurred with Equifax. The information that I found was from XX/XX/XXXX. I want the info removed immediately. I would like a copy of the updated credit report. The company can send it to my email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: MA

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding inaccurate information present on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initiated contact with TransUnion to address the discrepancies outlined below. Unfortunately, as of the current date, there has been no response from TransUnion. 

XXXX  XXXX Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ) : Incorrectly reported as late. Please correct/update this information on my credit report. 

XXXX  XXXX Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3.00} ) : Incorrectly reported as late. Please correct/update this information on my credit report. 

XXXX Account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} ) : Not my account. Requesting removal from my credit report. 

XXXX Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Not my account. Requesting removal from my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) : Balance discrepancy. Requesting verification and reporting as disputed while I address the issue with the creditor. 

XXXX  Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) : Not my account. Requesting removal from my credit report. 

XXXX  Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) : Not my account. Requesting removal from my credit report. 

XXXX  Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) : Not my account. Requesting removal 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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Stage Funding
State: NC

Complaint narrative:
The creditors is reporting inaccurate information in XXXX XXXXXXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I purchased a card on XX/XX/XXXX from XXXX and I put {$400.00} on it and I lost the card within the hour. I called the company visa vanilla gift and reported that the card had been lost. They did not put a block on the card, the card was found and used And they theyve given me two different case numbers now Ive called I have record of calling over just about 20 times. Ive talked to them about 8 to 9 hours since XX/XX/XXXX and Im just getting the runaround every person I talk to the last person I talk to has informed me that they did send Replacement card but to the wrong address now the last person I talked to today which would be three people now that have informed me that they had the wrong address since then they have supposedly corrected it but I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of america is reporting me a latte payment in my credit report when was not latte, bank of america must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.

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
Consumer complaint received 2024-01-27 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: IN

Complaint narrative:
XX/XX/XXXX disputes XXXX disputes, XXXX disputes XXXX disputes all of XXXX and XXXX of XXXX via online via uses, via phone calls to dispute. I am guaranteed accuracy per Federal law and the FCRA and this company has ignored my rights, continues to report numerous damaging inaccuracies and are negligent to me and my consumer report. They have had numerous chances to correct all of these inaccuracies and their assumption is not a valid reason to disregard federal.law and my guaranteed accuracies. They flat don't XXXX care nor do they take their job and their inaccurate reporting seriously. And no cause of proof of inaccuracies has been brought to life. I want to be compensated for each and everyone. The allowed time frame has expired multiple times. I demand compensation per Federal.law 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 2024-01-27 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: IN

Complaint narrative:
XX/XX/XXXX disputes XXXX disputes, XXXX disputes XXXX disputes all of XXXX and XXXX of XXXX via online via uses, via phone calls to dispute. I am guaranteed accuracy per Federal law and the FCRA and this company has ignored my rights, continues to report numerous damaging inaccuracies and are negligent to me and my consumer report. They have had numerous chances to correct all of these inaccuracies and their assumption is not a valid reason to disregard federal.law and my guaranteed accuracies. They flat don't XXXX care nor do they take their job and their inaccurate reporting seriously. And no cause of proof of inaccuracies has been brought to life. I want to be compensated for each and everyone. The allowed time frame has expired multiple times. I demand compensation per Federal.law 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 explanation
Consumer complaint received 2024-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To recap the events from XX/XX/2023 to now, in XXXX, a fraudulent check in the amount of $ was deposited into my checking account by perpetrators. The funds were then tried to be withdrawn by the perpetrators, which resulted in my account being frozen. I contacted customer service as I tried to log into my account via mobile app and saw my account no longer existed. I then was told a fraudulent check was deposited into my account. I couldnt believe or understand HOW this could have happened. My phone was indeed stolen before with my bank information present as well as my card which at the time I thought was misplaced. I was told my case was under investigation and would be resolved within 30 days repeatedly. I was told the fraud claim was closed and that I would receive MY funds in my account back. I called repeatedly & again on XX/XX/XXXX and was told there was no update, that my funds were still frozen but the representative said a work order would be sent to the internal office to request my funds to be returned. 
On XX/XX/XXXX, I called and spoke with another representative, which then put in another request for my funds to be returned and she asked me to call back for an update. I called again on XX/XX/XXXX and was advised to call the XXXX XXXX because of the XXXX XXXX XXXX report filed by BoA. I was asked to dispute both the XXXX XXXX and BoA ( which was already done ) and to file a police report. I filed a police report then. 
I then was told to contact the fraud department in XXXX, FL. I spoke with 2-3 people to resolve my issue. They ghosted me and continued to not help me when I complained repeatedly about my name being on XXXX and XXXX XXXX XXXX which prevents me from opening ANY bank account OR credit card. One of them finally got back to me and removed my name from XXXX but not first warning. So currently, im still unable to get ahold of any bofa representative I have talked to for help, nor am I able to open any account. I am not responsible for the fraudulent actions and desperately need help to have my name removed. Please help me. 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 2024-01-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: MA

Complaint narrative:
I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, but to date, there has been no response from them. I am writing to bring your attention to the inaccurate information and seek your assistance in resolving this matter. 

The following account with XXXX XXXX ( Account # : XXXX Date Opened : XX/XX/XXXX, Balance : {$430.00} ) inaccurately reports a late payment. Please correct/update this information on my credit report. 


Similarly, another account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) incorrectly reflects a late payment. I request the correction/update of this information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) is not mine. Kindly remove it from my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) is not associated with me. Please remove it from my credit report. 


The XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs further examination due to incorrect reporting. I request that you report this account as disputed while I address the matter directly with the creditor. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) is not valid. Kindly remove it from my credit report. 


Another XXXX  account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) is inaccurately listed. Please remove it from my credit report. 


The third XXXX  account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) is not mine. I request its removal 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 2024-01-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-01-27 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting me a latte payment in my credit report when was not latte, XXXX  XXXX XXXX must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.

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 2024-01-27 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting me a latte payment in my credit report when was not latte, XXXX  XXXX XXXX must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.

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 2024-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a letter in the mail from Chime for a Visa debit card account that I did not open. They had my name and phone number because when I called the automated system it said I was recognized, but had difficulty getting to a persons through the automated system. I did get to the fraud department by using my daughters phone, and asked them to cancel the account. They didnt wanted date of birth or Social Security number. I just gave them the date of birth. 
They said it was cancel, but would not give me any confirmation or information how the account was opened. That if I wanted that information, I can respond to an email they just sent me and would to give them date of birth Social Security card number, and a copy of my drivers license. 
Instead I decided to fill out a fraud report with my local police department and made this claim with CFPB This is the real Chime company and their phone number that was on the card and found on their website. 
It seems Chime is being very sophisticated on how they are gathering information and trying to open account with their company. 
Ive had my credit reports frozen for many years, so Im hoping this was not someone else trying to open an account fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I check my credit report today and it says I have a account open with JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX I have never had a credit card with XXXX limit from them and it says it was open in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I provided screenshots of a purchase agreement on Cash app and also put the reason in the topic for why the money was being sent. The seller sent me a empty box. I opened a dispute and was denied. I do not recommend anyone to use cash app. This is a scam site and app. The seller had a XXXX day old account and has been listed as spam/scam on the selling site where they were found.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My business wrote a check {$1300.00} to a supplier of ours .After a time passed, supplier notified us they never received check. we received statement showing check was cashed by our bank, but signature on back was fraudulent. We filed a claim with bank but they say we missed their deadline by several days.

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