vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
While checking my credit profile I came across hard inquiries that do not belong to me.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : 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 2024-10-22 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Where do I begin, I applied for a separate '' my Own '' Southwest Rewards Credit card because of the XXXX bonus points they were offering..I have worked my whole life and now retired since age XXXX, now XXXX, ,This has been going on since, XX/XX/year> or XXXX have called over 15 times, spent many hours on the phone, being verified by Chase then not verified and now they refuse to give me my own personal card. Today they asked me if to verify if I put in a credit card dispute with the existing card we have from them ( over XXXX yrs and an XXXX XXXX  ). I answered No and that was the wrong answer and they refused to talk with me. I answered honestly as my husband put in a {$16.00} dispute against XXXX. I have unfrozen my credit, several times, told ok. and this goes on and on. Please help I just want a credit card in my name, I am a retired XXXX XXXX, my husband retired law enforcement. Please straighten Chase out for us. Please Proffessional Courtesy!! 
Please make Chase accept me from what I am, even have US Passport I am XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX for over 37 years!! 
I feel I am being switched around so many times, nobody in Chase Bank has a clue Sincerely, XXXX XXXX Thank You for your HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am been a victim of fraud. Someone has used my Bank of America account to do fraud activities in different states

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 2024-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-22 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: IL

Complaint narrative:
I was shocked to see inaccurate accounts on my credit report this morning and have no idea how they got there. I check my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the accounts stayed there. Because of this, I urgently request a thorough review of the documents Ive provided so that I never have to deal with this stress again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DISCOVERED A BANKTRUPTCY REPORTED TO ALL THREE MAJOR CREDIT BUREAUS ; XXXX, XXXX AND EXPERIAN. WHEN I TALKED TO CUSTOMER SERVICE AGENTS AT AII THREE CREDIT REPORTING REPORTING COMPANIES, THEY EMPHATICALLY STATED THAT THE XXXX BANKRUPTCY XXXX REPORTED DIRECTLY TO THE COURT. BUT I WROTE A LETTER ( XXXX ) TO ALL THREE CREDIT REPORTING COMPANIES ASKING FOR AN EXPLANATION. THEY STATED THAT THE REPORT WAS CERTIFIED BY A COMPANY. WHOM, THEY DID NOT ANSWER LEAVING ME TO ASSUME THAT THE XXXX XXXX DID INDEED REPORT DIRECTLY TO THEM. 
SO I WROTE TO THE BANKRUPTCY COURT ASKING FOR A WRITEN CLARIFICATION. THE COURT WROTE BACK THAT THEY DO NOT REPORT TO ANY CREDIT REPORTING COMPANIES. THEREFORE THE CREDIT REPORTING AGENTS VERBALLY LIED. 
WHEN I CHALLENGED EXPERIAN, XXXX AND EXPERIAN VIA THE COURTS REPLY, XXXX DELETED THE BANKRUPTCY. EXPERIAN AND XXXX HAVE REFUSED PER AN UNDISCLOSED CERTIFICATION CRITERIA AND DESPITE THE COURTS POLICY. 
I BELIEVE THE GOVERNING POLICIES SHOULD BE CONSIDERED : FCRA SECTION 611 ( 15 U.S.C.1681 ) PROCEDURE IN CASE OF DISPUTED ACCURACY FCRA 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 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was sent a statement from Synchrony bank for a balance of {$71.00} per statement made online transaction for {$68.00} plus tax total of {$71.00} to which I did not make the charge for " XXXX XXXX XXXX XXXX XXXX ''. I called Synchrony back and advised them I did not make this charge. I had not used the card in over a year and when I paid my balance over a year ago the card was supposed to have been closed. I was told I had to call alot of different departments and I did this on XX/XX/XXXX of XXXX  and the notes are on the documents that will be submitted. So I have been fighting with these reps that do not speak english very hard to understand. Today after 3 months I called XXXX and was told I had to call the " Investion Team '' to which I did this on XX/XX/year> at XXXX am and was told by XXXX that the CASE was marked FRAUD and since I did not REQUEST for the finance charge to be removed they are claiming that I have to pay this. NO MAAM I sure am not I never authorized ANYONE to use my card and the charges ARE FRAUD so WHY would I pay for something I did not authorize nor do. I promise you I will not pay it nor will I EVER have another card with them.

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 2024-10-22 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:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : 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 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please provide duplicate copies of 1099s for tax years XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

To intentionally provide incorrect information to investors and the government agencies is not the right thing to do. Please reproduce the other 1099s I am missing. 

Furthermore; according to the XXXX tax authority ( XXXX XXXX ) the percentage you withheld for XXXX was incorrect. please review the math ; and reproduce the 1099s that are missing. 

To cause a harmed investor ; further harm ; is the wrong thing to do. 

The incorrect percentage you withheld ; most likely not only affects me ; but the millions of US shareowners of the XXXX XXXX. If your percentages are correct please let me know. 

I have below indicated what he is saying in XXXX. 

I will not leave a toxic investment to my beneficiaries and it will be the responsibility of Chase to correct all this with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I discovered fraudulent charges on my Citibank simplicity card in XX/XX/XXXX when I attempted to use my credit card for a dental procedure. It was declined due to over limit. I was only able to put {$1000.00} on the card of amount due. I immediately checked my account online and discovered fraudulent charges charges online from all over the XXXX. I filed a fraud report with Citibank. Some of the fraud was investigated but others were not. I paid nearly {$200.00} per month on the card until XXXX to ensure I paid the {$1000.00} charge to my dentist. I have a letter from Citibank stating no payments necessary until investigation is completed which is why I stopped paying. I notified Citibank of this. I have recently agreed with Citibank to resume payments hoping to get this resolved. This has affected my credit rating severely. I was refused a XXXX to make home repairs due to this. This was not reported to the credit bureaus as fraud. I am continually being charged interest on purchase balances which I did not make as well as balance transfers which I did not make. There are still hundreds of charges that were not investigated! I have spent countless hours on the phone with the security/fraud dept with often times negative results and getting bounced from person to person that did not seem to know what they were talking about. I feel like I am being treated badly re this situation. Why would I pay my bill religiously and stop in XXXX, XXXX and put myself thru this nightmare. With all that I have paid, the balance is still approx $ XXXX. I really need help with this problem as it has affected my credit negatively. 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 non-monetary relief
Consumer complaint received 2024-10-22 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: PA

Complaint narrative:
This account was opened XXXX, XXXX. There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 

I have attached copies of my credit reports for all companies. Please correct or delete this account. 

I requested verification of payments from XXXX they have yet to 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was opened XXXX, XXXX. There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 

I have attached copies of my credit reports for all companies. Please correct or delete this account. 

I requested verification of payments from XXXX they have yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was opened XXXX, XXXX. There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 

I have attached copies of my credit reports for all companies. Please correct or delete this account. 

I requested verification of payments from XXXX they have yet to 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE NOT MINE, HELP ME TAKE THESE OFF 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 2024-10-22 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UD DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've noticed that my credit score has taken a huge hit due to several fraudulent accounts being reported under my name. These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
I sent the money to XXXX XXXX. On the XXXX XXXX XXXXXXXX and he did not accept it, and I declined it. When I asked XXXX if he saw it in his account, he said that it did not even show up and sent me the screenshots of the XXXX I uploaded. I also uploaded the transaction of the money being pulled from my account. Never receiving it back. It shows shows me in getting it back, but no money. The amount has not changed. so it shows on my transaction statement that it was refunded, but there is no change in my available balance, so when I called the bank, they said it was already there and that it was not possible that I was not refunded. I find that there is no other way to resolve this than to go above their heads and report them to the consumer finance bureau.

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