vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
Hello so Im cleaning up my report from identity theft that was taken on me for years. So there is a vehicle loan on my credit report with XXXX and Experian by XXXXXXXX XXXX that is fraudulent and marked as repossessed says I owe a balance of $ XXXX, it was a scam and I sued for it and also had investigators involved on this and it was proven accurate with XXXX already and they removed it. I did the same with the other 2 bureaus but they didnt take any action. Or got back to me Only XXXX took action & responded, So now its inaccurate information on my report. 


Everything has to be 100 % accurate on my credit report. 

This ground for removal they also violated 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 Also the Credit bureaus took more than 30 days to complete my investigation EXCEPT 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 2024-10-27 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: DE

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I took advantage of a {$3000.00} balance transfer in XXXXXXXX XXXX XXXX at 0 % interest for 6 months to my Chase Sapphire credit card. It was not disclosed to me at the time of applying for the balance transfer that 1 ) an interest will be charged on the entire balance of the card, including the promotional amount, each month with no grace period. Effectively, this negates any description of the offer as a 0 % offer. 2 ) that even if I pay my entire balance immediately, this card will never again have a grace period, and so there's no way to avoid daily interest on any balance, ever, no matter how quickly balance is paid off. 
I was not informed of these terms at the time of applying for the offer, and in fact, the 0 % advertised rate is both inaccurate and misleading. 

I discussed all this with an account supervisor at Chase called " XXXX '' on XXXX and she confirmed what I've written above, and offered to reverse the incurred interest once and mail me the Terms and conditions. This does not remedy the harm done, as the conditions were not disclosed to me at the time of applying for the balance transfer. Further, the current situation penalizes me as a consumer by removing a previous grace period on this card forever, simply because I applied for a balance transfer offer. 

Thank you for your assistance with this matter. At a minimum, I would like the terms and conditions on the card restored to the original terms, which include a grace period allowing interest to be avoided if balance is paid in full before the due date each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I C system ( debt collector ) try to charge me an amount on behalf of XXXX XXXX and even report me to the credit bureau for a debt that i dont even recognize. 
They report me to the credit bureau on 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 explanation
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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 non-monetary relief
Consumer complaint received 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispued hard inquiries on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section 15U.S.C 168 1B, THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my credit card account back in XXXX. Even though I could no longer make any purchase, I still had a balance and kept paying it off every month until XX/XX/XXXX, when I paid off all of my balance. After that last payment, I was no longer able to log into my account, which I thought it was because I paid off all of my balance. 

Last week I decided to check my XXXX XXXX account after it was reported to me that XXXX of my other account with another bank had been closed. There at my XXXX XXXX account I saw that there was still {$91.00} to be paid to Citi Bank from I dont know what. 

I immediately called Citi Bank since I no longer had access to my account and didnt know where this charge was coming from, my credit card account had been closed since XXXX and there was no purchases to it, and I had paid off all of my balance on XX/XX/XXXX. 

Citi Bank said that there was a fee because I did not pay the interest charge. Which interest charge? From what? That account was closed by the bank back in XXXX. I was no longer making any purchases for about a year. In fact, I was just paying off my balance. 

Yet, I wasnt able to log into my account since paying off my balance and wasnt aware of any other extra charge besides the balance I had which was paid off. 

Citi Bank said that I wasnt able to log in because my account was closed. But my account was closed all the way back in XXXX and until XX/XX/XXXX, I was accessing my account normally every month to make payments. How come that happened only after paying off all of my balance? 

Why Citi Bank did not notify me via phone, mail, email or text message, as they have always notified me in the past of any activity, regarding this new charge and fee? 

Only after calling and confronting Citi Bank, the bank started to send me notifications via mail, text message and email. Why I did not receive any notification from the bank regarding that new charge and fee between XXXX and now? I am attaching screenshots I have to support my complaint here.

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 2024-10-26 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: NJ

Complaint narrative:
I disputed my personal information with Equifax on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-26 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 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 NUMBER : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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 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 2024-10-26 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 CREDIT BUREAU 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 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 2024-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX, I made a purchase with XXXX. One of the items was a tortoise stuffed animal. And one of the other items was a XXXX  bag. But the tortoise was purchased for my niece who has XXXX. When it was received, she didnt like it. So it was returned along with all other items in the order. The XXXX bag was received, and it had a security tag attached. Unsure if removing it myself would damage the item. I no longer have a Nordstrom store in my state so I took it to the local Nordstrom rack store. They refused to remove the security tag from the item as it was not purchased there. They advised with Nordstroms free return policy to return the item and re-purchase it. All items were returned and received by Nordstrom, but I was never credited for the XXXX  bag or the tortoise stuffed animal. Ive contacted Nordstrom multiple times over the past six months regarding this issue. Customer Service cant do anything for me. I dont know what to do because I dont have possession of these items, but Im still being billed for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: CA

Complaint narrative:
Dear Transunion, I am writing to formally dispute the inaccurate information on my credit report for account XXXX XXXX XXXX Account # XXXX. Despite previously disputing this account, the information remains inconsistent and continues to violate the Fair Credit Reporting Act ( FCRA ), which requires that all information on credit reports be accurate, complete, and verifiable. The continued reporting of inaccurate information constitutes a violation of the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ).

The account in question contains discrepancies in the following areas, as well as others : High Credit Limit : The reported high credit limit on the account is inconsistent across different updates to my report.

Date Last Active : The reported date last active is inconsistent and changes with each reporting update.

Date of Last Payment : There is also an inconsistency in the date of the last payment on the account.

These inconsistencies suggest a failure to maintain maximum possible accuracy as required by Section 1681e ( b ) of the FCRA. Furthermore, by failing to correct these errors after my initial dispute, Transunion may also be in violation of Section 1681i ( a ), which mandates that credit reporting agencies reinvestigate disputed information in a timely and reasonable manner.

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 2024-10-26 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: NJ

Complaint narrative:
I previously reported the account showing on my credit report as XXXX XXXX XXXX on XX/XX/year> and XX/XX/year>, as an item not recognized or owned by myself and it was removed from my report. You all responded that it was not reporting on my account on XX/XX/year>, so it should no longer be listed as an item on my report today. There was no further authorization made by me for this item to be added back to my consumer report and I do not authorize or consent to having this item listed on my report. The previous request to block or remove was not made in error and was recognized as such by you all when you removed it from my report previously. I subsequently also contacted XXXX XXXX XXXX to validate the account which they were unable to provide validity of the account that they are reporting on my account. They failed to provide any documentation in which I have the legal obligation to be held liable for the account, the purchase of a charged off account does not obligate me to have any legal bindings with them or have this item listed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously reported the account showing on my credit report as XXXX XXXX XXXX on XX/XX/year> and XX/XX/year>, as an item not recognized or owned by myself and it was removed from my report. You all responded that it was not reporting on my account on XX/XX/year>, so it should no longer be listed as an item on my report today. There was no further authorization made by me for this item to be added back to my consumer report and I do not authorize or consent to having this item listed on my report. The previous request to block or remove was not made in error and was recognized as such by you all when you removed it from my report previously. I subsequently also contacted XXXX XXXX XXXX to validate the account which they were unable to provide validity of the account that they are reporting on my account. They failed to provide any documentation in which I have the legal obligation to be held liable for the account, the purchase of a charged off account does not obligate me to have any legal bindings with them or have this item listed on my consumer 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