vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-04-12 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: GA

Complaint narrative:
I stated to Equifax over and over that this account is not mines its a fraudulent account i files police reports and identity theft report and they have yet to remove it from my credit! 

XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At the beginning of XXXX within about a days time, Chase bank authorized a E-Withdrawal of {$2500.00} from my savings which was not set up for withdrawal. They then authorized transfers from savings to checking where more E-withdrawals were done. Total fraudulent withdrawals were {$2200.00}, {$2000.00} and {$1800.00}. The bank has denied claims for everything but the saving withdrawal of {$2500.00}. They are not resolving this last claim in a timely fashion leading me to believe they are trying to run out the 60 day clock.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
Caci debt collector from XXXX XXXX sent me a letter out if thr blue threatening to sue me for medical bills from XXXX of XXXX. I am already paying on a hospital bill and am un aware of this debt. I am also under the impression they can not threaten or harass by suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: GreenSky, LLC
State: DE

Complaint narrative:
Neither XXXX or greensky has made adjustments to my account. They are still reporting that I owe a balance which is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NJ

Complaint narrative:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NJ

Complaint narrative:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.

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 2022-04-12 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-04-12 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: NY

Complaint narrative:
I can say that I am being ignored. I've informed you that the below account must be taken out of my credit report. In the Fair Credit Reporting Act it stimulates that student loans are need based loans, lenders are not in need to view my credit score when extended for a credit. It's not meant to be on my credit record because it has nothing to do with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Since I opened my deposit accounts with Chase in the XXXX of XXXX, I have formed the opinion that the company is systemically out of compliance with Reg CC, governing the time in which funds from check deposits must be made available.

Nearly every check I deposit has a 14-day hold placed on it, whether it is a personal check, corporate check, and even US treasury checks and postal money orders. This has happened consistently with both my business checking and personal checking accounts. Each hold must be resolved individually, by phoning up the bank 's operating loss prevention department and waiting on hold for multiple hours -- on one occasion I went for a XXXX run to the sound of their hold music in my headset. In most cases, they are able to verify the authenticity and collectability of the check within minutes and make the funds available, but on one occasion I was recently told that a postal money order could not be verified because the agent couldn't find a phone number for the US Postal Service (! ) though she conceded that she could find an official web site to verify money orders, that wasn't good enough for Chase. She also told me in direct contravention of Reg CC that Chase treats postal money orders like " any other check. '' Two days later with the money order still on hold, a different agent was able to release the funds with no explanation for the delay. On another occasion, even after verifying the check with XXXX XXXX XXXX ( the bank upon which the check was drawn ), Chase insisted on getting the maker of the check on the phone to voice-verify that she had indeed written me this check. ( As an aside, I'm lucky I learned the term " maker '' in law school, because Chase 's agents seem consistently unable to use vernacular language to describe the process ). 

Reg CC and the FDIC 's explanatory materials for bankers make clear that the obligation is on the bank to cite a specific reason for a deposit hold beyond the same-day or next-day availability required by the regulation, and to be able to justify that hold with articulable reasons. Instead, each time I have called Chase to inquire about the reason for a deposit hold, my requests for an explanation of why they are uncertain the check is collectible have been summarily ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NV

Complaint narrative:
Original collection open XX/XX/2019 and they added on the same account twice and they keep changing when the account was open it should be one open collection on my Equifax not two duplicate collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have gotten emails from XXXX. XXXX and XXXX starting XXXX stating I applied for multiple credit cards through companies including Capital one and XXXX XXXX. I thought I put a freeze on my credit reports with XXXX, XXXX, and XXXX but I am still getting emails from XXXX XXXX about new credit cards. The person doing this is continuing to do it and nothing is happening to protect me. Ive contacted all 3 major bureaus about this issue and they havent done anything besides dispute the credit cards from my reports. They continue to pop up on my report, the person who has my information just spent XXXX $ on a Capital One card in my name. I contacted Capital One and they ensured me the card would be removed from my name and the account would be closed, neither has happened. This is very stressful because Im worried the person stealing my identity will continue to do so and move onto my things like my XXXX, taxes, and even my bank account. There is also another persons address on my reports, i just want this to be fixed before its too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.

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 2022-04-12 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: NY

Complaint narrative:
The law 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NY

Complaint narrative:
The law 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the 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 2022-04-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2022- Experian I noticed two address I.D number that don't belong to me. 
Address ID # XXXX Address ID # XXXX These addresses are not on my Experian credit report. Why are these creditor reporting this on my credit report? I have attached a copy of my most resent credit report which shows my previous and present address along with the address ID 's in question.

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 2022-04-12 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: WV

Complaint narrative:
I have gotten emails from XXXX. XXXX and Experian starting XXXX stating I applied for multiple credit cards through companies including XXXX XXXX and XXXX XXXX. I thought I put a freeze on my credit reports with XXXX, XXXX, and Experian but I am still getting emails from XXXX XXXX about new credit cards. The person doing this is continuing to do it and nothing is happening to protect me. Ive contacted all 3 major bureaus about this issue and they havent done anything besides dispute the credit cards from my reports. They continue to pop up on my report, the person who has my information just spent XXXX $ on a XXXX XXXX XXXX  in my name. I contacted XXXX XXXX and they ensured me the card would be removed from my name and the account would be closed, neither has happened. This is very stressful because Im worried the person stealing my identity will continue to do so and move onto my things like my 401k, taxes, and even my bank account. There is also another persons address on my reports, i just want this to be fixed before its too 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 explanation
Consumer complaint received 2022-04-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The scoring system makes absolutely no sense. I reduce the balance on my credit cards and my score declines?!!. The disparity between XXXX and equifax is approximately 40 to 60 points if not more. There are address ( s ) on my profile where I never resided. I applied for a credit card and what was reported was different from what Equifax has recorded. This agency reeks havoc. It is beyond horrendous. This agency needs investigation AND STRICT OVERSIGHT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Self Financial Inc.
State: GA

Complaint narrative:
There are two accounts showing on my credit report that do not belong to me, self lender & XXXX XXXX. I contacted the companies and self said to put in a report and credit one said they are looking into it. There are also inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Through my bank, XXXX XXXX there is a creditwise feature where you can check your credit score. While checking my score I got an alert from Experian that an address was associated with my SSN. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX I do not know this address but apparently they are using my SSN

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 2022-04-12 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: CA

Complaint narrative:
I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.

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 2022-04-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
At the end of XX/XX/2021 I applied for an XXXX credit card from Chase. This card provide rewards for card usage in the form of " XXXX '' which can be used to offset the cost of flights on XXXX. During the application process I provided my existing XXXX account to link my card usage. Chase did not use that information and instead had a new XXXX account created. I was never informed that Chase had done this. I never received any notice from XXXX regarding a new rewards account. 

On XX/XX/XXXX I reached out to Chase saying that I my XXXX account had not been credited with XXXX earned. On XX/XX/XXXX I received a reply where they cited " my XXXX account '', which was not the one I had provided but the one Chase had created. This was the first time I knew of the extra account. That same day I replied to Chase that they were using the incorrect account ; I provide them the same account I provided during the application and asked that they resubmit the XXXX to be credited using that account. 

On XX/XX/XXXX I received a reply stating that before they could change the account I had to contact XXXX to 'merge ' the two accounts, and Chase provided information on how to do so. Through the rest of XXXX & all of XXXX I used XXXX 's site and eventually called XXXX numerous times ( XXXX does not have a US-based call center ) to try and merge accounts, but they will only accept a passport I no longer possess as it expired 5 years ago, even after submitting my current passport to them 4 times. Eventually in XXXX an XXXX employee told me over the phone that they would disable my Chase-instigated account, leaving only my preferred account. During this time I reached out to Chase via phone to share the info XXXX provided ; I was told they would resubmit the missing XXXX. However, those did not appear on my XXXX account. When I reached out via Secure Message on XX/XX/XXXX Chase again told me that I needed to submit my passport in order to have the accounts merged, which conflicted with the information I received from XXXX.

Company response to consumer: Closed with non-monetary relief