vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a {$5000.00} check with Chase on XX/XX/24. The account was flagged by Chase and subsequently closed with a Debit DDA - Check Charge made on the account for {$5000.00} on XX/XX/24. I still havent received my {$5000.00} check back from Chase and theyve held on to my money for over a month now. Every time I call, the goalpost keeps getting pushed further out. Today is already XX/XX/24 and a representative I just got off the phone with asked me to wait another 4 days! Will I get reimbursed for the time value of money?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
I disputed the accounts on my credit profile due to inaccuracies which is my full real legal name which is XXXX XXXX XXXX XXXX I am also a victim of several data breaches in which my information has been exposed Online so there are inquires, fraudulent accounts, checking accounts, credit cards, on my credit report.I have told the credit bureaus about this if there are any accounts on my report that use any other name than my real full legal name then it need to be deleted immediately or legal action will be taken my whole world has been turned upside down cause of my credit being exposed and fraudulent used that I have lost ever thing I am now homeless due to not being able to obtain business credit for my business to be able to stay competitive due to all this please help I am a law XXXX XXXX who has no power or resources to fight these criminals who has taken advantage of all of us.

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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital systems LLC is harassing family members at an address that I don't even live at I do not live at XXXX XXXX XXXX XXXX XXXX  how they got that address I have no idea. I have never used that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: AL

Complaint narrative:
This is not my account. I have no knowledge of this account 15 usc 1681b

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received a letter from Chase Bank, which copy I enclose with this letter regarding my inquiry on the previously mailed documents of bank transaction record. Chase Bank kindly sent the letter to XXXX XXXX, who is the joint account holder, and somehow, Chase mentioned me as his wife, not a joint account holder, legally. As you can see, Chase mentioned that the second checks were meant to the cleaning bank which the checks were processed. I do not recollect clearly where our joint account checks clearing banks, but at least, most of my bank checks, which meant the checks of XXXX  XXXX XXXX, should be based in XXXX XXXX  ; since most of the companies I had dealt were based in XXXX XXXX. Maybe, you might ask me later to ask the banks about these companies and I can check by myself since I remember which checks are meant to which companies. If possible and necessary, I would like you to provide the addresses of each branch in XXXX, XXXX  and other states written in the record. 

Also, I received the calls from your company several times on Thursday, Friday, and Tuesday. On Thursday, XXXX XXXX, Friday, XXXX XXXX XXXX, and Monday, again XXXX XXXX called me. I could not understand what they were talking, at least, I know they were trying to mention something about XXXX  XXXX XXXX account and my ID ; especially XXXX XXXX XXXX talked for 3 minutes in my voicemail. I prefer succinct and clear explanation what your company wants since it is not easy to figure out what they want to tell me even if I tried to read the transcripts of voicemail. I prefer the written formats. And I suggest appointing only one person for a possible customer. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against XXXX  XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX  XXXX XXXX account number appearing as " XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with XXXX  XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that XXXX  XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX  XXXX XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Company did not respond with in twenty days according to Federal Reserve. Which is now truth without recourse. They also did not follow their own Arbitration law by Repossession of Vehicle or any law under GAAP. 
They violated my right to Arbitration under their own law I ask they remove and vacate judgement and return my Vehicle. As they have sent notice of auctioning my Vechicle on XXXX XXXX and followed none of their laws under the security exchange, and XXXX XXXX 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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XX/XX/XXXX sent letter to Transunion requesting information regarding several suspicious accounts. 
XX/XX/XXXX sent a second letter to Transunion requesting information regarding several suspicious accounts. 
XX/XX/XXXX received an auto-reply letter from Transunion with none of the requested information and no explanation. In the letter Transunion created an excuse that they think I requested help to fix inaccurate information and that maybe I should not ask anyone for help. 
XX/XX/XXXX sent a third letter to Transunion confirming I had received their letter of no action taken and restated my request for information regarding a suspicious account. 
XX/XX/XXXX received the same auto-reply letter from Transunion with none of the requested information and no explanation. In the letter Transunion repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 

At this point it has been well past the regulated time Transunion has to respond to my multiple requests regarding the same suspicious accounts. I thought at this point Transunion is required to remove the account as the account was unable to be verified within the required time. Instead, they are able to delay without consequence which costs me money in higher interest rates and extra time and money to get approved. 

XX/XX/XXXX sent a fourth letter to Transunion confirming I had received their letter of no action taken and very plainly restated my request for information regarding the suspicious account. 
XX/XX/XXXX for the 3rd time received the same auto-reply letter from Transunion with none of the requested information and no explanation. In the letter Transunion repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 
Transunion is not reading my written requests and is simply sending automated responses. How is this possible? No one holds Transunion accountable, Transunion does not have to do any required work, and does not have to follow regulations of removing accounts Transunion can not verify.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-30 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: OK

Complaint narrative:
account XXXX date opened XX/XX/year> is over 7 years old and is still reporting and hurting my credit. 

They also broke federal law 15 USC 1681a ( d ) ( 1 ) for the reasons above we insist the removal of these accounts from my credit for it is breaking federal law for me as a consumer of the United Sates of American.

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 2024-04-30 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: TX

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-30 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: TX

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-01 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: IL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed accounts.

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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00}

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/2024 I received a Cash APP card in the mail with my name on it. I was advised this account was opened 6 days prior. I have never used Cash APP, never used the app, never opened an account with CASH APP. Upon receiving this I called the number provided by the company on the card and website. When I called they refused to close the account by phone and said they would only close the account if I clicked a link and uploaded pictures of the card. Their own fraud warnings on their website state to never provide a full account number. The link they sent was flagged as suspicious link. Another person advised that the account couldn't be closed without clicking a link in an email but they could disable the card. It took 5 different people and needing to proffer my personal email address so they could investigate. I am alarmed that I was told I had to provide a company, of whom I am not a customer, personal contact information when they refused to send me a notice by mail that the account was closed to the address they sent the card. My credit with XXXX is frozen as well as my social security number is locked. The fact that an account was still opened in my name and I was sent a card is frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my credit report that is affecting my ability to obtain credit at the moment, as a result, I want ask you to investigate this account please? 
account- XXXX XXXX account number- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my credit report that is affecting my ability to obtain credit at the moment, as a result, I want ask you to investigate this account please? 
account- XXXX XXXX account number- 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Please remove from my credit immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with non-monetary relief