vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-21 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My name is XXXX XXXX I do NOT have a middle initial the credit agency has my name listed with a XXXX  for a middle initial. That is false information

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 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX via XXXXXXXX XXXX was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXXXXXX XXXXXXXX via XXXX XXXX did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized

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 2023-08-21 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX XXXX : ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ;

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/23, I noticed several charges in my chase checking account that I did not make. I called the fraud department and began to file three separate claims. The one Im referring to was a XXXX $ charge for a company called XXXX XXXX a shoe companyI definitely DID NOT MAKE THE CHARGE..I was asleep when it happened, no one else had my debit card number, but obviously some hacker or identity thieves had my new debit card number or account numbers to be able to make the initial purchases.. Chase said they would stop payment since everything was pending and credit back all of the claims I filed, totaling about XXXX XXXX I had just opened the account and had only had my debit card for about a week or soso after the claims are filed, a new debit card is sent out, etc, I got credits back from chase in the amount for each fraudulent charge.. and tonight XX/XX/23, I check my checking account via the chase app and notice a CLAIM REVERSAL IN THE AMOUNT OF XXXX $!!!! Im not sure what is going on but this is ridiculous!! I never made any purchases for XXXX XXXX, but now chase is taking that same money they gave me back!! I did recently purchase XXXXXXXX XXXX XXXXXXXX shoes for my son, which he paid for, I deposited money ( which there is proof of ) and shortly after depositing I ordered his shoes for school! So idk how claims work, but it appears that chase is leaping to a conclusion that because I ordered expensive shoes similarly to the fraudulent charge, that I must have submitted a false claim???? WHICH IS NOT TRUE!! Im just absolutely disgusted by this entire process..I have XXXX children, Im a XXXX at a local restaurant, I decided to bank with chase because its very close to my new work and was convenient for me to do nightly cash deposits after workbut since this has happened, I transferred all but a small amount to my old bank, whom I never had not one issue with in 4 years of being a customerTwo weeks with chase and theres fraudulent activity and then this? Excuse my language but this is absolutely XXXX  I have screen shots of the original fraudulent charges and the reversal made tonight.. and of ATM deposit of cash and then ordering my sons shoes..this is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX and XXXX are reporting XXXX XXXX XXXX ( XXXX ) XXXX XXXX  and Experian is not reporting information on Credit Report. Missing Information. XX/XX/2020

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America issued a credit card and allowed me to make payments through the application. Several months after issuing the account, app access became locked so I couldnt pay my monthly bill electronically. I have called numerous times and requested assistance with fixing the issue. In XXXX of XXXX, I made two payments with the second being on the XXXX of the month as the payment for XXXX. My next payment was made on XX/XX/XXXX. My XXXX payment was paid early and my XXXX payment was paid late but only by 19 days and they reported a 30 day late charge to my credit bureau and defaulted to the highest interest rate and charged me a late fee. They have since removed the late fee but refused to fix the 30 day late payment on my credit report which has caused great problems for me as I am trying to purchase a house. They refuse to fix this mistake and have ignored me despite countless attempts to fix this and their application that still will not allow me to pay my reoccurring bill. I am forced to call their customer service, explain this situation, and be redirected every month. This organization is predatory and steals money and time from the 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 explanation
Consumer complaint received 2023-08-21 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: CT

Complaint narrative:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2023-08-21 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: AR

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. Despite of the previous written requests, the following fraudulent items are still remains on my credit report in violation of Federal Law. The Three Credit Bureaus failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, which given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ;XX/XX/XXXXXX/XX/2023XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXX/XX/XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XX/XX/XXXXXXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX Dispute and Request for Immediate Removal of XXXX  XXXX XXXX Credit Card XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, I have diligently contacted XXXX   XXXX XXXX numerous times to rectify this situation, and they have explicitly stated that no such account exists in their records. This inconsistency is causing unwarranted distress and has the potential to impact my financial standing, loan applications, and overall creditworthiness.In light of the above, I kindly request your immediate attention to this matter and a comprehensive investigation into the inclusion of the non-existent XXXX  XXXX XXXX credit card # XXXX in my Equifax consumer report. 

I am requesting the following actions : A thorough review of my Equifax consumer report to verify the accuracy of all information, particularly the XXXX  XXXX XXXX credit card account in question. 
If the investigation confirms the inaccuracy of the reported account, I demand the immediate removal of this erroneous information from my Equifax consumer report. 
I am cooperating fully with both XXXX  XXXX XXXX and Equifax investigation by providing any documentation or evidence necessary to validate my claim. Please find attached certified mail numbers of my current correspondence with XXXX  XXXX XXXX and Equifax indicating their acknowledgment. [ XXXX ] [ XXXX Under the provisions of the CCFPL, I have the right to accurate credit reporting. I trust that Equifax will uphold its responsibility to ensure the maximum possible accuracy of my consumer report, rectify this issue promptly, and prevent similar errors in the future. 
I appreciate your prompt attention to this matter and anticipate a swift resolution. You may contact me via the provided email address or phone number for any further information or updates. 
Thank you for your immediate action in resolving this dispute and upholding the rights of consumers. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: CA

Complaint narrative:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX TransUnion XXXX XXXX Account # : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has violated my rights 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 any consumer reporting agency if the ( A ) ( 1 ) 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 2023-08-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has violated my rights 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX information is inaccurate information account is closed

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 2023-08-21 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: NY

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 and 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 explanation
Consumer complaint received 2023-08-21 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: NY

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 and 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 2023-08-21 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: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: MI

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1300.00} XXXXXXXX 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

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