vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-12-22 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: MI

Complaint narrative:
my information was exposed in a data breachon the dark web and I am XXXX of the XXXX people whose information got leaked and I want my credit report cleared Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including infor

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 2024-12-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
my information was exposed in a data breachon the dark web and I am XXXX of the XXXX people whose information got leaked and I want my credit report cleared Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including infor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my information was exposed in a data breachon the dark web and I am XXXX of the XXXX people whose information got leaked and I want my credit report cleared Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including infor

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 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
This was a past landlord I dealt with named XXXX XXXX who uses XXXX XXXX XXXX to manage their property, I had to move out because there was an emergency level bug infestation that left XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my sleep most nights and i let them know on XX/XX/year> the exterminators didnt do anything when presented with evidence and tried to cover up the issues like bug bite evidence, evidence of the roaches found in the place, and the smell. I was constructively evicted because they refused to acknowledge the issue and the people who I had to deal with as far as notifying them about the issue refused to look at the evidence, believe me, and take responsibility even after I got doctors confirmation of the issue. Upon leaving I had a very unpleasant argument with the management company 's employee that I can leave, but I cant leave my lease. Theres nothing I can do essentially. Pay them. They reported a debt after seeing the evidence and constant notification of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX seller fraudulently misrepresented what he was selling and advertised XXXX folding table as XXXX when indeed it is XXXX. That is fraud and false advertising. I tried getting XXXX involved but there is no phone number or chat or email I could find to reach them. I was instructed to go on www.ebay/help on XX/XX/year> help and communicate with the seller by doing a google search for instructions of what to do. Seller was very ignorant and said he doesn't accept returns and XXXX would not step in, but claims they have a money back guarantee. I entered initial claim with XXXX on XXXX XXXX when I realized I was scammed and I also told them I entered a claim with UPS. a couple days went by and when I realized that what I had in my possession was it, I called and told UPS to cancel the claim as well as XXXX and told them ( intial claim with Chase Bank was entered on XX/XX/year>- same day I contacted XXXX XXXX, the table arrived but it's the wrong size. They cancelled initial claim around XX/XX/year> and removed temporary credit and set up new claim. they did no investigation, says they spoke with XXXX seller, did not keep me posted, and then I get notice that my claim was denied and temporary credit reversed. When I got the letter, I called them immediately and told them I have pictures of the table, the legs don't extend and clearly it says on the table XXXX! I was spoken to very nasty and hung up on by a claims rep around XX/XX/XXXX when I got the letter and when I called back, they had closed so I didn't get an answer. I called back a few times and no one in Customer Service helped me in the following days as I reported the claims rep blatantly denied me and was viciously arrogant. They did no investigation and they practices are disgustingly lazy. They never asked me for photos of table or anything. I got bounced around a lot, no one could provide an email to send pictures and I called them late night on XX/XX/year> around XXXX and was on the line with a customer service rep and she entered all the notes before getting me to a claims rep, in which he said the back office has compelling evidence and claim was denied a XXXX time and I asked him if I could email him the pics and that I found a chase website a few days ago in which I shared the photos, which he say they never got when I asked several reps for an email, which they did not provide. He tells me they don't have an email, I have been hung up on, disrespected and neglected by many chase customer service and claims rep often including tonight XX/XX/year>! They still refuse to refund me XXXX after I was frauded and scammed by XXXX seller who refuses to refund me and his profile says no returns. XXXX has not stepped in and done anything. Chase Bank has violated FDIC Laws and Rules and is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2024-12-23 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:
I recently reviewed a copy on my credit report, and noticed i had a fraudulents accounts, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 



Type : XXXX  XXXX XXXX  Status : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> XXXX  Amount : {$XXXX} XXXX  : XXXX XXXX  XXXX XXXX XXXX {$XXXX} XXXX  Amount : {$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 2024-12-23 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries and accounts. Block and remove them.

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 2024-12-23 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: NY

Complaint narrative:
TransUnion failure to block or delete fraudulent XXXX XXXX loan. I have a right to request this lawful approach per Fair Credit Reporting Act. 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 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX : Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: MI

Complaint narrative:
I am writing to formally request, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, that you block the reporting of information on my consumer credit report that is the result of identity theft. This request is based on the identity theft detailed in my FTC Identity Theft Report # XXXX. 

Fraudulent Accounts Identified : 1. A credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX and a total balance of {$3500.00}. 

XXXX. A credit card account with XXXX XXXX opened XX/XX/XXXX with account number XXXX and a total balance of {$4200.00}. 

XXXX. A second credit card account with XXXX XXXX opened XX/XX/XXXX with account number XXXX and a total balance of {$730.00}. 

XXXX. A credit card account with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX with account number XXXX and a total balance of {$6800.00}. 

XXXX. A credit card account with XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX and a total balance of {$12000.00}. 

XXXX. A Collection Account Associated with XXXX XXXX XXXX  through the collection agency XXXX XXXX XXXX opened on XX/XX/XXXX for an amount of {$3500.00}. 

These accounts were fraudulently opened without my knowledge or consent and have led to unauthorized hard inquiries and collections on my credit report. In accordance with FCRA 605B, I request that the bureaus : 1. Block the reporting of the identified fraudulent accounts, inquiries, and any related information from my credit report within four ( 4 ) business days of receiving this request.

2. Promptly notify the furnishers of the identified information that it may be the result of identity theft, that an identity theft report has been filed, that a block has been requested, and the effective dates of the block. 

XXXX. Cease all collection activities related to these fraudulent accounts, as mandated by the Fair Debt Collection Practices Act ( FDCPA ). 

To summarize, the aforementioned accounts and associated collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these accounts are the direct result of identity theft and fraud. To support this claim, I have attached a copy of my FTC Identity Theft Report ( # XXXX ) as well as copies of my consumer credit report from XXXX, Experian and XXXX, showing these fraudulent items. I trust that the necessary steps will be taken to address and resolve these fraudulent items in accordance with applicable laws.

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 2024-12-23 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: PA

Complaint narrative:
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 of 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 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 EXPERIAN 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 accounts 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 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 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Received call from Target Card Services @ XXXX stating that they had questions on my account and they required to speak to me. I called the phone # provided and they verified someone opened an account under partial of my name using my DriversLicense and SocialSecurity. It is unknown if they applied online or in person and if the items purchased ( {$200.00} on the account ) were made online or in person.

The associate stated they would send some Fraud paperwork in the mail. In the meantime, the card has been cancelled however I do not want to be held responsible for a card that I did not apply for and I do not want it affecting my credit score. 

Is there any way to protect myself from others using my SS # and my DL #?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: MA

Complaint narrative:
I registered my phone number XXXX on my capital one credit card account. I even had the mobile app on my phone and I was able to login in XX/XX/year>, when I paid off the credit card. 

It seems some employees within the Capital One Credit Card company, committed hate crime against me and allowed this account to get hacked. 

It also seems they stole the payments I made to credit card company and the hateful XXXX XXXX  employees allowed it to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: CA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Inaccurate, still reporting late the account was charged off.

15 U.S. Code 1681e - Compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Inaccurate, still reporting late the account was charged off.

15 U.S. Code 1681e - Compliance procedures

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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Synovus Bank
State: FL

Complaint narrative:
This company is emailing me repeatedly everyday. I asked the company to stop contacting me because I am not reliable for the debt because the debt was sold and the company received a tax write off for the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my credit report and notice there were some things that was not correct.I sent a letter on XXXX XXXX, XXXX, it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC 168 1 ( a ) ( 1 ) ( a ) Under 15 USC 168 1 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and except as provided in subsection ( g ). If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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