vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 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: DE

Complaint narrative:
On my personal account has more than one phone number and it should be one number and that number is XXXX  My current address is one and they have many addressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their failure to address and rectify inaccurate information on my credit report. I have attempted to resolve this issue directly with Experian to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX I first contacted Experian in writing to dispute inaccurate information on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/, I reached out to Experian again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Experian, my efforts to rectify this situation were met with silence. On XX/XX/, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Furthermore, on XXXX XXXX XXXXXX/XX/XXXX, I made another attempt to contact Experian, seeking resolution to the unauthorized inquiries issue. However, I have received no response or acknowledgment of this communication. 

Regrettably, Experian has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Experian addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with Experian, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 

Thank you for your time and assistance.

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 2024-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am writing to address a concern regarding a late payment entry on my Macy 's credit card account, specifically related to the period during the COVID-19 pandemic. I believe that this late payment is subject to the protections outlined in the CARES Act.It has come to my attention that a late payment entry has been reported on my credit report, and I would like to request the removal of this entry. My understanding is that, under the CARES Act, if a consumer makes an arrangement with the creditor and fulfills that agreement, the creditor is generally not supposed to report the account as delinquent. 

I kindly request Macy 's consideration in removing the late payment entry as a gesture of goodwill. I am committed to maintaining a positive credit history, and the circumstances surrounding this late payment were beyond my control. 

The creditor has refused to remove the late payment after contacting them several times.Uploaded is the bank statement that shows payment.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is an account that I got delinquent on in XXXX XXXX The account was closed and the balance paid off. At this current moment I dont have any credit and most of the credit that I owed I paid off only to discover these paid accounts are hinder me from overcoming my current situation I am deal with for over 2 years homelessness with a 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 2024-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I send a letter disputing the account and asking for the original agreement and they send me a generic letter and they received my letter XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/ I recieved a call.from a number that came up as chase fraud line stating that my account was being hacked for a wire transfer and I needed to reverse charges. I was told what to do and I done it. The amounts was {$9700.00} and {$9500.00} which is alpt of money and I thought I was saving my savings. I was then lead through process and put on hold. The phone hung up so I called chase and explained what happened and they said I was scammed. So I filed report with them about 40 mins after the initial call, chase is saying I did not call until XXXX and trying to deny my fraud claim. I want my money back from this scam and it should of been recalled as soon as I called chase on the XXXX of XXXX. I have filed a police report and a report with the FBI also on which chase told me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding their failure to address and rectify inaccurate information on my report. I have attempted to resolve this issue directly with Equifax to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows XXXX XXXX XXXX XXXX I first contacted Equifax in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

XXXX XXXX XXXX XXXX, I reached out to Equifax again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Equifax, my efforts to rectify this situation were met with silence. On XXXX  I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Regrettably, Equifax has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that XXXX addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with XXXX, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Report act. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act 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

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 2024-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a check from XXXX Bank I deposited into a high yield Amex Savings account I had opened. I had to link a external account in order to fund the account prior to depositing the check I got. Maybe a week later I tried to transfer the funds to my external account from the Amex savings account. The transfer was reversed due to Amex Business review. I called the representative and was told that the freeze was removed I tried to schedule another transfer which was also reversed due to Amex. I can the fraud prevention team and was told to submit bank statements to prove my name was on the external account I was trying to transfer funds from. I provided the required documents and then upon speaking to another representative I was told Amex decided to close my account. I was also told they would not release my funds at first so somehow the account is closed but my funds remain in the account. When I spoke to another representative they told me the only way I can get my funds back was to have the bank that issued the check ( which was XXXXXXXX XXXX ) recall or do a stop payment on the check. I called XXXXXXXX XXXX and spoke to multiple supervisors they told me they can not recall a check that Amex has already accepted as a deposit or put a stop payment on it because Amex already accepted the deposit. So I called Amex with XXXX on the line and we did a three way call because I needed XXXX to explain to them that they cant recall or do a stop payment on the check. During the three call a Amex representative actually said that because I deposited a physical item which was a check that Amex should be able to send me a physical item and that the only time that the option would be to recall the funds is if it was a ACH transfer. I passed the verification in order to process the request to send me a check for the funds in the accounts Amex supposedly closed. I was expecting a check but I called back a week later and they denied the request to send my money back from a account that they closed and froze. They already verified me so I was puzzled then they didnt give me a explanation as to why the denied the request to send me my funds on the closed account. There is no legal way that they are just be able to hold my funds for ransom like this I tried to get a supervisor to call and try to help me. Then once I called back I was told that supervisors have the option to call you back if you open a escalation so all the escalations I opened were being denied buy the supervisors so I never got a call back. They are illegally holding my funds the bank that issued the check cant recall the funds and I have a email as proof. Theres no way they can close my account and keep the funds In there. Please help as I am also seeking legal help for the remaining funds being held in the account they close and not being issued back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding their failure to address and rectify inaccurate information on my credit report. I have attempted to resolve this issue directly with TransUnion to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows : 1. On XX/XX/2023, I first contacted TransUnion in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/2023, I reached out to TransUnion again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with TransUnion, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Furthermore, on XX/XX/2023, I made another attempt to contact TransUnion, seeking resolution to the unauthorized inquiries issue. However, I have received no response or acknowledgment of this communication. 

Regrettably, TransUnion has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that TransUnion addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with TransUnion, proof of the inaccurate reporting, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 
Thank you for your time and assistance.

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 2024-01-14 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: PA

Complaint narrative:
incorrect information on my credit report. Please remove as soon as possible

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 2024-01-14 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: MI

Complaint narrative:
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

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: CA

Complaint narrative:
I opened up this account in XX/XX/2020, this was during the pandemic and as I had to make financial decisions as the prices of everything went drastically up. I tried to do my best contacted the company. Paid what was owed and they choose to close my account. 

Reporting to the credit bureau, Self Lender is whom I have know them to be. However my credit report with all XXXX credit agencies list different names. 
XXXX Credit Report : list SELFXXXX XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Credit Report XXXXSELF The balance listed on all XXXX credit reports shows different dates. I am not understanding why they are still updating and reporting on an account that is paid and not report any updates on the other credit agencies. It seems it a smear to keep my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: PA

Complaint narrative:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capitol One Bank has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/2023 I notified Capitol One Bank that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that Capitol One has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that Capitol One complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
The collection agency IQ Data repeatedly called me and hung up every time I answered the phone. They have reported to the credit reporting and attempted to collect on amounts not owed. IQ Data has never provided me with any written information regarding this account and did not provide me with notification of the right to dispute this reported account. I have attempted to resolve this falsely reported account with IQ Data who has not responded to my request. All of the reported information is incorrect and has devastated my good credit rating. There are multiple lawsuits against IQ Data for these same exact practices.

Company response to consumer: Closed with explanation