vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: OH

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$770.00} XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX FINANCIAL SER XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX, AUTO XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-08-12 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 had previously sent in a complaint for a fraudulent auto loan opened under my name without my knowledge, the account that had been fraudulently opened is XXXX XXXX XXXX acct # XXXX date opened XX/XX/year> I do not have or own a XXXX, I have also attached an FTC report as well, please help me remove this fraudulent account 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 2024-08-12 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: WI

Complaint narrative:
Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. 

I also immediately contacted credit cards, XXXX XXXX companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All XXXX banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. 

I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, XXXX XXXX companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX and his accomplice XXXX XXXX. I ask you to notify these banks as well. 

As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX  NY XXXX T XXXX XXXX XXXX XXXX XXXX Kind Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I did not authorize these accounts, please help.

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I received a text notice from Bank of America that my credit card was used multiple times on XX/XX/XXXX and I immediately reported it as fraud as I did not make nor approve these charges. I was at home on maternity leave with a newborn baby and only used my credit card for online purchased as it was an online rewards card. This charges in question occurred at XXXX different XXXX  in different counties as well as an XXXX XXXX and a XXXX  totaling {$540.00} for XXXX different charges. I immediately canceled my card after reporting the fraud. Initially, Bank of America reversed these charges. Then, I saw that the charges were put back on my card and was notified that my claim was denied via a letter in the mail. I asked them to reopen the claim on XX/XX/XXXX, and waited a couple of months without hearing anything. I tried contacting them multiple times and was passed around to different departments repeatedly, only to finally receive a number that I could contact but closed at XXXX XXXX XXXX. I was then notified that a letter had been added to my online banking account and not mailed to me ( as the first letter was including an online copy ) and that my claim was denied again. I called once again and had them reopen the case and investigate, only to be denied again in XXXX. I called again in XXXX to have them reopen the case once more, and submitted evidence with XXXX XXXX that showed I was on maternity leave and photo evidence with date/time stamps of me at home with my newborn baby, as well as XXXX  delivery orders while being at home ( showing I could not have travelled around on those days making the purchases in question ). I also requested documentation, receipts and/or video evidence that led to my claim being denied and Bank of America said they had no documentation and that my claim was denied because a chip was read. Once again, my claim was denied. They did not say whether multiple cards had been issued, and they did not have any evidence that proved it was me or someone I know that made such charges. I have been with Bank of America for XXXX years and have never had such issues and am appalled at the lack of ability to get in touch with anyone who can provide such evidence to me. This has caused undue distress and emotional burden on me for months with no resolution in sight. I did not make these XXXX charges nor did I approve these XXXX charges to be made. Bank of America has been extremely unhelpful and difficult in resolving this issue. I am extremely close to leaving Bank of America and establishing my accounts elsewhere with better customer service and fraud resolution.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

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 2024-08-12 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do XXXX of investigations on the account that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then. The follow needs to be verified : XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
XXXX is taking fees from my bank account whenever it wants to, pretending to be XXXX, with out telling me or XXXX, then my bank overdrafts me and i have check bouncing fees all over from it. They have done it many times already and it keeps overdrafting my account and other companies charge me a lot too. Im not talking about a bounced payment, which they don't tell what it is or of thats even the issue. It says call XXXX. XXXX says it wasnt them. I've spoken to them at least 5 times and they assume me nothing is pending from my account and everything is paid for but then a payment comes out from an order a month ago, which is fine.. i owe it either way but then XXXX  takes their XXXX $ fee. They took it 3 times for the same one issue and people on reddit say they keep doing it to them too. Well im on XXXX and they are robbing me blind w out notice or anything. They think they have the right because XXXX contracts them as a third party. Ok, to get their money ... Not " and whatever fee they want, as many times they wish ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I received a letter in XXXX stating that the law firm was attempting to collect a debt on behalf of the credit card company. I wrote a letter by certified mail saying that I would pay any debt that is proven lawful and indeed owed once provided with proof that I indeed owed the debt which was to include all invoices, a signed contract in wet ink by both parties, and proof any additional proof that I am indeed responsible for the debt they are claiming. I was sent a letter stating that the credit card company still owned the debt but they charged it off on XX/XX/2024, accompanied by a stack of statements that were paid. They failed to prove I owe the debt, that they legally own the debt to collect on it, and proved that the original debt holder charged off the debt already. Since they failed to prove this debt is valid I am asking that they call off their collection efforts, mark this debt as paid in full, and retract all negative reporting to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX installed internet service claiming reliabilty. After 2 months ( aproximatly ) of constant interuptions, constant reboots I stopped service and changed to XXXX starting in XX/XX/year>. I notified XXXX of the change and paid the last bill XXXX XXXX. After a nearly 1 hour of putting up with constant " stay with us '' sales pitch the service representative claimed that my service was disconeccted and billing would stop. A e-mail of the return equipment ( modem ) was sent to me and I packaged the modem and sent it back to Spectrum XXXXXXXX XXXX XXXX I recieved a e-mail acknowledging the return. 
And still the bills came. ( On the XXXX XXXX of XXXX the XXXX contractor physically cut the cable from the pole and dropped the remains in my yard ) I kept marking the bills as paid and closed. In XXXX I started recieving rude phone calls concerning unpaid bills .Since I no longer had the service I wasn't going to pay.I had a " no contract " service so when /if I cancled didn't matter. In XXXX ( or late XXXX/not sure ) I got tired of the haraasment ands called XXXX XXXXI was informed after nearly a hour wait that yes I was correct and they should had stopped billing in XXXX. I was bumped up to a " supervisor " who stated she by company policy could only go back 2 monthe and the bill would only {$120.00} ( aprox ) WHY would or should pay for non provided services? This fraud .It seems XXXX is also " shopping the areas to renew filing agaisnt my credit reports.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
this is my 2nd dipute to the cra 's about reporting inaccurate and incomplete information on my credit report, i sent my 1st set of letters off on XXXX, and my last set of letters was sent on XXXX and neither of them has investigated any of the inaccurate information that i am disputed and i am requesting for deleting of the items and compensation for pain and suffering

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 2024-08-12 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-12 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:
XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Also I was apart of the lawsuit settlement XXXX XXXX XXXX XXXX. 

XXXX XXXX BANKRUPTCY This XXXX  XXXX bankruptcy is reporting a status of discharged but my credit report is still showing a balance due on a Installment account that was opened prior to the bankruptcy on XX/XX/year>. 

XXXX XXXX XXXXXXXX MY DATA WAS EXPOSED IN THE EQUIFAX DATA BREACH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Also I was apart of the lawsuit settlement XXXX XXXX XXXX XXXX. 

XXXX  XXXX BANKRUPTCY This XXXX  XXXX bankruptcy is reporting a status of discharged but my credit report is still showing a balance due on a Installment account that was opened prior to the bankruptcy on XX/XX/year>. 

XXXX XXXX  XXXX MY DATA WAS EXPOSED IN THE 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 2024-08-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
This to file a formal complaint against TransUnion regarding their failure to correct inaccurate information on my consumer file. Despite multiple attempts to rectify these inaccuracies, TransUnion has not resolved the issue, which is causing significant harm to my credit profile and financial wellbeing. 
Account Information : XXXX ( # XXXX ), XXXX XXXX # XXXX ), XXXX ( # XXXX ), XXXX Funding ( # XXXX ) Legal Basis for Complaint : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain accurate information in consumer reports. Additionally, 15 U.S.C. 1681i outlines the procedures for disputing and correcting inaccuracies, including the obligation for consumer reporting agencies to investigate disputes and ensure the accuracy of the information reported. 
Furthermore, 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information must provide accurate information and correct or update any inaccuracies when notified of a dispute. Despite adhering to these provisions, TransUnion has failed to act in accordance with these legal requirements by not resolving the disputes or correcting the inaccuracies in my file.

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 2024-08-12 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I did not Authorize this hard inquiry in my credit report and I have been doing research the FCRA ( fair credit reporting act ) this need to be removed. 
Institution Information XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation