vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX  account number XXXX  XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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'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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted Midland Credit management to let then know I never had opened an account with then or XXXX bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I made a purchase from Bose.com on XXXXXX/XX/2022 for {$500.00} under order # XXXX. 
The order never shipped, so I cancelled the order, however, I was still charged for this purchase from XXXX and the full amount was deducted from my checking account. 

I contacted XXXX and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact Bose to resolve the issue with them. 

I then contacted Bose and was told that XXXX is responsible for the refund of my order and that I would need to contact Bose for a refund. 

Neither company is taking responsibility and I would just like a refund of my {$500.00}. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted XXXX XXXX management to let then know I never had opened an account with then or Comenty bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
During a XXXX XXXX XXXX  a fraud account was discovered reported by Target against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX XXXX XXXX XXXX, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX XXXX XXXX XXXX  over their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my security clearance and job over their false reporting.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 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 a 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 of 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 non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 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 a 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 of 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 non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2022 a check was deposited into my JP MORGAN chase checking account. XX/XX/2022 the check cleared with the bank I wrote my check from. On XX/XX/XXXX I went to the bank to get a statement proving my check cleared and took that statement to JP MORGAN. The branch manager refused to assist me with having my money released. She photocopied my bank statements and scanned them into the system and told me to call the chase deposit review. I called the chase review and they lied stating that they wont release the funds because XXXX XXXX didnt provide them with enough information for my check to be able to clear. I spoke with someone from XXXX  who said that doesnt even make sense and why would they prevent me from receiving the check when its been cleared on their end. 

This isnt the first or second time JP MORGAN has done this to me. They have a problem thinking they can withhold peoples funds that they never put there in the first place. This company is known for the way they lie scam and cheat their customers. They do it often and they do it well. I kept this bank open simply because it was my longest opening account, and as soon as this money clears I will be closing the account entirely and still following up with complains. Im thanking myself I didnt choose this establishment to handle any of my estate affairs because they choose to make everything impossible. I have to wait until XX/XX/XXXX for a check that has been cleared since XX/XX/XXXX and they have had proof since XX/XX/XXXX. They hide behind their desks and their phones reading a stupid speech yet cant turn the monotone robotic voices off to help someone that can easily be assisted. Im looking into if others are currently going through this because JP MORGAN deserves another class action settlement against them.

Company response to consumer: Closed with non-monetary relief