vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX XXXX reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past 7yrs it outdate in should not be reporting.

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 2022-11-26 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: TX

Complaint narrative:
I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX loans reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXXXXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past 7yrs it outdate in should not be reporting.

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 2022-11-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX ( XXXX XXXX ) : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: NC

Complaint narrative:
XXXX XXXX : I have sent multiple letters to each XXXX XXXX XXXX, ( XXXX, XXXX, & TransUnion ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] XXXX : ( XXXX #. XXXX Reported XXXX {$9000.00} ) & ( XXXX #. xxxxxx XXXX Reported XXXX {$10000.00} ) & ( XXXX #. # # # # # # XXXX Amount {$340.00} ) XXXX : ( XXXX #. XXXX XXXX showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) & Names that are not mine ( XXXX XXXX Name ID # XXXX ) & ( XXXX XXXXXXXX Name ID # XXXX ) Inquiry on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) TRANSUNION : XXXX XXXX #. XXXX XXXX showing {$9000.00} ) & ( XXXX #. XXXX XXXX showing {$10000.00} ) VIOLATIONS : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with XXXX privacy laws. 

XXXX, XXXX, and TRANSUNION have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.

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 2022-11-26 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: NC

Complaint narrative:
XXXX XXXX : I have sent multiple letters to each XXXX XXXX XXXX, ( XXXX, Experian, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10000.00} ) VIOLATIONS : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with XXXX privacy laws. 

XXXX, EXPERIAN, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.

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 2022-11-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Several transfers were attempted to be made into my bank account with Truist from a XXXX account. These transfers were made between the XX/XX/XXXX and XX/XX/XXXX. After giving time for these transfers to clear ( about 2 weeks ) I still had not received any of these funds. I called Truist to see if there was a problem with my account, or if the money was taking longer than expected to clear. The representatives on the phone where extremely unhelpful, could not see any record of these transactions being sent and told me to contact the other bank. The other party that attempted the transfer has been in contact with their bank as well, XXXX claims they can not link my account number to my account and the money has been put on hold due to potential fraud. The account number and routing number I provided are accurate, there were no errors by either party in transcription, these are the correct numbers. XXXX also claimed there was nothing they could do and the other party was told to contact Truist. The funds have been removed from their account but not transfered to mine. Neither party was informed of this hold being put on the funds, no notice was given, and no help is being offered. As it currently stands the other party is attempting to get the money refunded so it can be sent through third party services ( XXXX XXXX XXXX. ) As a result of their ( XXXX ) inability to verify my account with Truist and the refund request these transactions are now being investigated as fraud by XXXX and a further hold has been placed on the funds. As far as I can tell I have done nothing wrong but I have been struggling financially for almost a month now due to bank error.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please see the attached detailed explanation of this complaint regarding a disputed transaction under Visa Dispute Code XXXX XXXX XXXX. The charge date was XX/XX/2022 by XXXX in the amount of {$2600.00}. The expected and approved amount was {$610.00} as outlined in the rental contract. 

I properly notified Chase and provided ample and detailed supporting documentation for my dispute. Chase failed to properly investigate and handle the dispute case as evidenced by the timeline restrictions Chase claims improperly. Additionally, a chase dispute manager admitted the mishandled dispute of this transaction and filed a grievance for me. 

While XXXX, violated the terms of the contract, failed to request gain authorization for additional charges in excess of the contracted and agreed to amount, and failed to provide a refund as promised. 

As outlined in this document per the VISA Dispute Resolution Guide, and the XXXX and Federal Chargeback Statutes, liability for these errors and contract violations rests with Chase and XXXX, not with the cardholder. 

Pursuant to VISA Chargeback Code XXXX, XXXX, and Federal Consumer Credit Protection Laws, I am politely requesting to dispute this charge and the issuance of a full credit to my account and any and all interest, fees, or charges associated with this charge from its initial transaction date. Thank you for your attention to this matter. I have attached additional details below on this matter. 

To assist with your compliance Ive provided copies of the relevant XXXX XXXX XXXX, applicable UCC codes, and previously provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WA

Complaint narrative:
On XX/XX/XXXX I received a letter from my mortgage company, Vanderbilt Mortgage. The letter was dated XX/XX/XXXX. The purpose of the letter was to inform me that the servicing responsibilities for the loan were being transferred to XXXX XXXX XXXX and that this is effective as of the XX/XX/XXXX payment. I have had loans sold before but never with this short of notice. The law appears to require them to give me at least 15 days notice. The date of their letter was 15 days before the payment date, but that date doesnt count. The clock should start when I am notified, which was when I received their letter. Please hold them accountable for short cycling everyone to whom they did this. With a XXXX XX/XX/XXXX letter, the effective date should have been XXXX XX/XX/XXXX. I have auto draft set up with Vanderbilt, so in order to get back to that, I will have to make at least one separate payment to the new outfit. And as of XX/XX/XXXX, XXXX XXXX XXXX hadnt received my loan information from Vanderbilt, so I cant even make that payment yet. This is completely messed up. I recognize that the new lender has to give me a 60 day grace period for late payments, but if Vanderbilt had done their job right, this could have been seamless and there would be no need to rely on any waivers.

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and XXXX and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I noticed I was negative in my bank while I was out shopping. When I checked transactions I noticed XXXX purchases XXXX on XX/XX/2022 and the XXXX  one on XX/XX/2022 at a gas station located XXXX miles from my location. During the times of these purchases I was at home. Therefore, I have no way to prove it was not I that made a {$140.00} gas purchase on XX/XX/XXXX at XXXX XXXX standard time. I also didnt make another {$150.00} purchase at that same gas station at XXXX XXXX XXXX time the following day on XX/XX/2022. Chase Bank has rejected my claim because they say the debit card used shows it was used with the chip which can not be duplicated and the pin code was also used. I was at home these XXXX days during these time frames. The only witness I have is my husband and the text messages sent between XXXX regarding lunch and checking the mail which occurred an hour or more before the transactions. I even tried to get evidence of my location for those dates and my XXXX states they do not have the ability to provide pings of my specific location for those days. Only current locations. How can I get this handled? I have had a scam done a few months ago for {$3000.00}. It was reported to the federal trade commission. I have also had identity theft as well a few years ago. Where they used my personal information such as social security number, to open multiple accounts. This was also reported to police and all XXXX  credit bureaus. I am the only one working in our household. We are currently receiving XXXX  for XXXX  through state of XXXX because my pay check is XXXX  after taxes and medical insurance costs. This has effected me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX & XXXX XXXX. : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : Bank XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX You literally had enough time to verify this account and because you didnt anytime send me even 1 shred of evidence that this is my account or that I have any liability or responsibility or ownership, it needs to be deleted.Im pretty certain that you violated a bunch of federal laws : 1. You didnt prove the creditor even responded 2. You didnt send me anything at all to verify this was mine 3. Youre being paid to report this by a creditor I cant even get ahold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 

XXXX was able to verify accurately. How was there different outcomes with the same investigations. 

Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE.

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AK

Complaint narrative:
Called chime numerous times about my {$2.00} funds that were in my checking account and I can't even log into my account it's saying account closed got into a heated argument then got hung up on Friday XX/XX/2022. My previous calls were XX/XX/XXXX and XXXX 2022 just to be told someone will be reaching out to me.

Company response to consumer: Closed with explanation