vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
No proof was provided showing that I authorized these inquiries on my report. If you are going to say they are verified then please provide PROOF and DESCRIPTION of the investigation used to determine that I approved these inquiries. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-03 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: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-03 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: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : XXXX XXXX XXXX  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}

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 2022-03-03 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: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : XXXX XXXX XXXX  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: AZ

Complaint narrative:
My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you

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 2022-03-03 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: AZ

Complaint narrative:
My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Experian and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you

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 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I purchased a sectional from XXXX XXXX in XXXX Ca. I used my debit card to pay for the Item. On the same day my account was comprised by XXXX. On XX/XX/2022 a XXXX transaction of {$2000.00} was deducted from my checking account on XX/XX/XXXX, another transaction was made in the amount of {$2000.00} on XX/XX/2022 a total of 4 more charges were made in the amount {$2000.00} to XXXX. The name of the recipient was lucychurchill dispute. I informed the bank of these fraudulent charges and they reversed the charges but later withdrew the amount back out of my account. On XX/XX/XXXX, more fraudulent charges were allowed to go through to handyman.com in the Amount of {$380.00} and also a amount of {$250.00}. Its quite obvious that my account was comprised but Chase continued to allow these charges to go through. I never authorized these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct me credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct me credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I pay {$450.00} per year for Amex 's consumer credit card, the XXXX XXXX XXXX  card. The terms of the card is that in return, I will receive a XXXX point free night certificate every year between 8-12 weeks of my account opening. I opened this credit card on XX/XX/XXXX, which Amex has confirmed and acknowledged. XX/XX/XXXX was my 1 year account anniversary. 12 weeks, the maximum time a customer should have to wait to receive the certificate, was XX/XX/XXXX. I STILL have not received the free night certificate, which was promised to me per the terms of paying this high annual fee. I have tried to escalate my case with Amex, and they brush me off saying my dates are wrong, work it out with XXXX, etc. 

Their customer service reps are awful and can't resolve my case. I'm holding up my end of the bargain. Why is Amex dishonoring the terms? As a result of their tardiness, I'm unable to book the hotel that I'd planned to use the free night certificate for. I'd have been better off never paying for this card 's annual fee in the first place and booking my hotels on time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NC

Complaint narrative:
I applied for a US Bank Credit card because they had an introductory offer of 50,000 points ( {$500.00} ) if you spend {$1500.00} in the first 120 days. 

I applied and got the card- but they only gave me a {$500.00} dollar credit limit so I can't take advantage of the offer! 

I have a XXXX Credit score, I make close to $ 100k / year and have had the same job for the last 10 years. I own my house and have basically {$0.00} debt. I also just closed $ 20k worth of credit lines, so the idea that they can't see fit to extend me a bigger line than {$500.00} seems ridiculous.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today, Thursday XX/XX/XXXX, I was in the atm at XXXX XXXX XXXXXXXX in XXXX XXXX at XXXX am and the atm took my {$800.00} deposit but didnt make it trough. I went to the bank but they told me they couldnt do anything, so I called to the receipt the atm gave me and nothing. They dont respond.

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 2022-03-03 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: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-03-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-03-03 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Unauthorized fraud charge on my credit card in the amount of {$3000.00} by XXXX XXXX XXXX FL. I have no information on this merchant and have received no goods or services. Chase has been notified but refuses to investigate and/or correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply in this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}

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 2022-03-03 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: VA

Complaint narrative:
On XX/XX/ 2022 experian placed a collection account of {$1200.00} by XXXX. XXXX. I reached out to experian voicing this was fraud/identity theft. And sent proof showing it was fraud. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF 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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Information on my credit report is outdated

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied for a card using a brochure that my partner brought home from a flight. 

The no annual fee for the first year was appealing and so I applied, and received my credit card. 

In XXXX, I used it immediately and the first statement showed the annual fee. I called in XX/XX/XXXX to see if this was a mistake. I received a generic letter as a response on XX/XX/XXXX. It did not answer why I did not get the annual fee for the first year waived or credited back to me. 

The supervisor who took my call indicated that I had not filled out the application and handed it to an XXXX XXXX personell at the time the brochure was given. 

This ridiculous, tepid response negates the language on the front of the brochure which I am attaching. 

Would you review and determine if I am incorrect in understanding what no annual fee means? I understand that it is a fee that provides me benefits and that the subsequent years I have the card, I would pay the fee. 

Thank you for your consideration. I am attaching the brochure, code XXXX. I used this information when I applied online so I did not fill it out. I also attached the response I did receive from Barclay 's. 

XXXX XXXX XXXX XXXX XXXX card number is XXXX XXXX XXXX XXXX. 
I am XXXX XXXX I reside at XXXX XXXX XXXX, XXXX, FL XXXX My email is 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 2022-03-03 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}

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 2022-03-03 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: FL

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX  XXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}

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 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
About a month ago, I disputed my credit card account with Discover almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.

Company response to consumer: Closed with explanation