vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following letters were sent requesting the process of verification and accuracy of alleged late payments on the following accounts listed on attachments. 

As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged missed payment information contained in my consumer file as per the FCRA.

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 2024-11-03 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: GA

Complaint narrative:
The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXXXXXX 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Early Warning Services , LLC, for refusing to provide me with a copy of my consumer report, despite my multiple requests. As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811682, they are required to furnish this report upon request. Their refusal violates my rights under the FCRA and prevents me from accessing and verifying the information they hold about me.

Under 15 U.S.C. 1681g ( a ), consumer reporting agencies must disclose all information in a consumer 's file upon request. My right to access this information is a crucial aspect of the FCRA, which protects consumers ' ability to ensure the accuracy and fairness of their credit information. However, Early Warning Services have repeatedly ignored my lawful requests.

Additionally, 15 U.S.C. 1681 ( b ) underlines the purpose of the FCRA in maintaining the accuracy, fairness, and privacy of consumer information. Denying access to my reports prevents me from identifying and correcting potential inaccuracies, undermining the very intent of these protections. 

I request that the CFPB take immediate action to ensure that Early Warning Systems provide me with my consumer reports without further delay. My preferred method of receipt is by email at XXXX, or, alternatively, by mail to the address listed on my government-issued ID, which I am prepared to submit upon request. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX went to the chase JP Morgan Bank branch that's located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California to open an account because I received a check from my father for {$4000.00} to help with some car payment. 
I in fact was able to open an account that day with a woman named XXXX and she told me that my funds would not be available until XX/XX/XXXX XXXX XXXX XXXX Then I got notification that the funds ended up being available XX/XX/year> a couple of days earlier than expected but this was a check that I had received from my father from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many times before and never had any problems with cashing it or depositing it into my account they said the check was cleared. Everything was fine for the next week. On XX/XX/XXXX we deposited {$500.00} cash at the ATM and we're attempting to pull out the amount of {$2800.00} from the bank account to pay for a new vehicle or a new used vehicle. That would have left {$100.00} in my bank account and as soon as I requested the amount of money they asked me to sit on the couch I had to wait like 20 minutes and then they told me that there was a restriction on my account because of the check that I had deposited that had cleared for my father before that they needed to verify it and they wouldn't really give me much information they gave me a phone number of XXXX XXXX ( option 1 ) So since late afternoon on XX/XX/XXXX up until about the evening of XX/XX/XXXX I've been calling this number XXXX and getting run around and around by either being told to hold and I'm on hold for like an hour and then ask for supervisor and I'm going to hold another 45 minutes or they said they're going to call me back and two more hours goes by and then the phone gets disconnected but no one ever solves the problem they just keep telling me the same thing over and over again and there's I see no resolution to this I just see them driving me crazy and I've been looking online and a lot of other people have been going through the exact same problem I don't know what the heck 's going on here but all I know is that at this point I would like to sever ties with the company Chase JPMorgan Chase Bank I would like for them to return the money back to my father 's account and cancel that check and I would like my {$500.00} cash back that I deposited and I don't want to have a account with them anymore or anything else to do with them anymore because something screwy is going on there and it smells fishy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: DE

Complaint narrative:
I disputed a collection account that was reported inaccurately. on XX/XX/year> the credit reporting agency responded that it was verified as accurate. I did not receive the method of verification and this account is still reporting incorrectly. It is a collection account showing with a past due balance. It is also with a company they I have not had any contract with.

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 2024-11-03 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: IN

Complaint narrative:
I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Transunion. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be XXXX days late, XXXX  days late, CO, XXXX blank months, and then back to XXXX days late.

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 2024-11-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Check out Store clerk at TJ Maxx, told me she was opening a loyalty account and instead opened a credit card ( I repeatedly told her I do not want a credit card and she told me it is not a credit card ).

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 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
Requests were made for proof of debt and this was never produced. The company fails to meet basic obligations in proving evidence of the debt that they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: NY

Complaint narrative:
An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus. 

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA. 

I have not received a follow up or deletion from my 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 explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account opened at XXXX of XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX of XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, personal loan account opened XXXX XXXX opened on XX/XX/XXXX under account number XXXX. These hard inquiries XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus.

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA.

I have not received a follow up or deletion from my 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 2024-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus.

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA.

I have not received a follow up or deletion from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Equifax. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be 120 days late, 150 days late, XXXX XXXX XXXX XXXX, and then back to 120 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: Credit Karma, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I applied for a XXXX XXXX credit card through Credit Karma. This card offer was marked with Credit Karmas {$50.00} Karma Guarantee, which promises {$50.00} if the application is denied. I fulfilled all application requirements and underwent a multi-step identity verification process as requested by XXXX XXXX. Despite completing all steps, XXXXXXXX XXXX  denied my application, claiming they " could not verify my identity. '' This denial prevented me from receiving the {$50.00} Karma Guarantee, despite having followed Credit Karmas guidelines and meeting all eligibility criteria. I believe that XXXX XXXX  denial reason was not valid, which suggests a possible issue with Credit Karmas investigation into my eligibility for the {$50.00} Guarantee.

I request that Credit Karma honors its {$50.00} Karma Guarantee as promised and clarifies the denial reason given by XXXXXXXX XXXX, ensuring that applicants who meet all requirements are treated fairly.

Company response to consumer: Closed with monetary relief