vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6300.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX  Date opened XXXX XXXX, XXXX XXXX Balance {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX, XXXX. XXXX Date opened XX/XX/XXXX Balance {$1100.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$6300.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$11000.00} BUSINESS Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
XX/XX/2022 {$14000.00} The car was repo and personal items inside it was never offered back and payment plan was never given due to my hardship and the car was sold. Still did not get my personal item and a XXXX is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-06-17 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: Porania, LLC
State: IL

Complaint narrative:
My husband filled two bankruptcy in my name in 2019 is fraud I never signed anything he try to destroy me he start in 2019 filed for a divorce I want the two bankruptcy removes off my credit report

Company response to consumer: Untimely response
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was scammed by a person who has a business and help people get approved for apartments and housing if you credit is bad, she has awhole little app she advertises her work on and has a XXXX XXXX business account, long story short she scammed me out of XXXX for an apartment package, chime refused to give me my money back after i sent tons and tons of proof, chime wrote me and said my claim was denied and they would gladly send me information on how they came up with this determination, that was on XXXX they told me 10 days, then i wrote on XX/XX/31 they told me 10 more days but ignored my first few emails, i wrote again because they said 10 more days no later then XX/XX/XXXX, i emailed again and im being ignored, i believe chime doesnt have a reason on why they denied my claim because they have yet to show proof on why my claim was denied and i showed an substantial amount of proof of goods and services not being received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I bank with Chase Bank. On XX/XX/XXXX I received a notification of {$280.00} being spent on XXXX with my debit card. I called in 12 minutes to dispute the charge. My debit card was canceled and the charge was credited back to my account. On XX/XX/XXXX I received a letter that they decided the charge was authorized so on XX/XX/XXXX they would take back out the {$280.00}. I called to dispute this. I was told by customer service they made this determination because the billing and shipping address from the order were both my address they have on file. When I queatio Ed how this could possibly be I asked for any onformation they had to show this as I did not make this purchase and never received anything from Wish.com and had no access to information i the purchase. The rep from Chase gave me a XXXX tracking number for the order. That tracking number showed the purchase was delivered to XXXX XXXX California. I live in XXXX Kentucky. I was then placed on hold for an hour and a half before going to a branch to talk to someone in person. The claims manager for the branch looked at all the information I had printed, which included the tracking information Chase have me, the email notification of the original charge, and a screen shot of my call log showing the time frame of getting the notification and reporting the fraudulent charge. The branch claims manager called it in faxed over the documents with my statement and stated to me that it was very clear I did not make this purchase. When I followed up the following Monday XX/XX/XXXX on the phone, a rep said they had my information and reopened the case. They were mailing me all the information they had from the purchase to claim I authorized the purchase. When I asked what would happen on the XXXX she stated that the money would be taken out and credited right back since the case was reopened. On the XXXX the money came out and was not credited back. I called and was told they wouldn't credit the money back until after the second review of the case. Now this morning, XX/XX/XXXX I received a letter saying they have closed the case finding the charge was authorized. I have never received accurate information from Chase, the branch claims manager could see clearly I did not make this purchase, and they are refusing to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a Victim of Identity Theft and explained that to XXXX, XXXX and TransUnion, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile

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 2023-06-17 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: FL

Complaint narrative:
This complaint is filed against TransUnion, XXXX, and XXXX for reporting incorrect information, non verifiable information, and incomplete information on a account all 3 are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both TransUnion and XXXX report a high balance of XXXX. XXXX reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. TransUnion reports DOLA as XXXX. XXXX reports DOLA as XXXX. XXXX reports DOLA asXXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and XXXX report payment amounts as 0. TransUnion reports payment amount as XXXX. 4. Both TransUnion and XXXX report date of last payment asXXXX. XXXX reports last payment date as XXXX. 5. XXXX report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. 5. XXXX reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. 6. TransUnion report shows 0 90 days late. XXXX report shows 1 90 days late. XXXX report shows 4 90 days late. All differ and can't be correct. 7. XXXX payment history calendar shows in XXXX of XXXX that account was paid/O.k.. XXXX reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. XXXX reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. XXXX report says in XXXX Of XXXX account was 90 days late. Both differ. 10. Both XXXX and XXXX reports are missing date account was closed. 11. Both XXXX and XXXX reports are missing Date last verified also.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: MA

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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15USC 1681 ( 1 ) the credit bureaus don't have no written permission.

According to 15USC 1681 I have a right to privacy.

According to 15USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a Victim of Identity Theft and explained that to XXXX, Equifax and XXXX, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Mortgage 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: VA

Complaint narrative:
XXXX XXXX At XXXX XXXX have damaged my and my XXXX sons credit the allowed the apartment to be rented with an outstanding huge amount on the water bill and pended this amount on us when we moved out the apartment was very clean they did not give us an itemized bill of move out which I have on file we cleaned the apartment but the carpet was so bad she said dont cleaned them we have a letter stating that. this water bill XXXX XXXX XXXX XXXX says it wast my bill it had to do with the complex and one day the whole entire complex went without water became of their outstanding bill, before we moved in now the XXXX $ water bill is theirs they said its rent but its the water bill. We paid XXXX $ plus XXXX reservation fee and XXXX $ pet fee we dont owed and they gave me only XXXX credit for cleaning the apartment when it was immaculate. This is not fair I can rent they is trying to stick me with their water bill and saying its unpaid rent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15USC 1681 ( 1 ) the credit bureaus don't have no written permission.

According to 15USC 1681 I have a right to privacy.

According to 15USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a Victim of Identity Theft and explained that to XXXX, Equifax and XXXX, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as addresses and inquiries below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I HAVE ALSO NEVER BEEN ASSOCIATED WITH THESE ADDRESSES LISTED BELOW AND OLD OR INACCURATE ADDRESSES FURTHER PUTS ME AT RISK FOR IDENTITY THEFT IF ANYTHING GETS MAILED THERE. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.

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