vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I never sign a promissory letter with this agency. Please delete this off my credit report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX  SHOWING THAT I WAS IN XXXX AT THE TIME THIS ACCOUNT WAS OPENED.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND XXXX, EQUIFAX AND XXXX ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: OH

Complaint narrative:
RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND XXXX, XXXX AND EXPERIAN ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW

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 2023-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I owed a debt with a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

I called in XXXX and was told that the debt was charged off. I thought since it was charged off that I no longer had to address it. The time that I owed the debt, I lost my job and was going through personal crises. Fast forward, I was notified on XX/XX/XXXX for the first time that I was getting wages garnished. I was never notified before. This has caused some issues at my workplace and will affect my opportunity for advancement. Moreover, I can have my job placed in peril based on the Professional Conduct Code. The Law Firm stated on the paperwork that I called them in XXXX of XXXX. That was during the time that mail was rerouted from my home address and sent to my exes. I can prove this, for these addresses where I never lived are listed on my credit report. My ex has in the past rerouted mail of mine to his post office box. I therefore could not have called the Klima office from the phone I currently have and called them again in XXXX of last year as they stated on the phone. I could not have, because I would not have cause to reach out to them until now when I received this letter by mail. I am also certain that I did not contact them in XXXX, with the phone I currently have, because I did not have the phone or phone number then, that I am using now. This Law Firm, Klima, Peters and Daly located at XXXX XXXX XXXX XXXX XXXX in XXXX, Maryland has a plethora of complaints against them related to similar practices of blatant dishonesty and unethical practices as they inflict harm onto consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has responded to my multiple attempts of getting a bankruptcy that does not belong to me removed from my credit report. Per the attachment it states verified. I provided a letter from the court for which stated they do not share information with credit bureaus and requested PROOF that the bankruptcy belongs to me. Transunion has failed to provide proof. I am requesting documentation including my signature, ID, etc., proving the bankruptcy belongs to me. This is the ONLY bureau reporting this information and it does not belong to 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit 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: WA

Complaint narrative:
On XX/XX/2023, I ordered an 18TB external hard drive from XXXX XXXX XXXX online website. The total for my order was {$270.00} and it was paid for using my Chase Sapphire Reserve credit card. The hard drive was delivered a few days later when I was out of town, so I had my friend unbox it and plug it in to make sure it worked. What we found was that the drive wouldn't be recognized by the PC and a bunch of error messages popped up. The drive enclosure also looked off, with some of the ports not lined up properly. I have timestamped text threads and pictures from when the drive was first unboxed supporting the drive not working. Seeing this, I returned the drive to XXXX XXXX and was assured by their customer service that I would receive a refund ( chat transcript is attached ). 

When I hadn't received a refund even 4-5 weeks after XXXX XXXX confirmed they had received the return, I opened a dispute with Chase who refunded my money temporarily while they investigated the issue. 

A few months later, on XX/XX/2023, I noticed that I had received a package from XXXX XXXX in the mail. In it was the hard drive I had returned, along with a note saying they couldn't accept the return since it wasn't the hard drive I had ordered. Since I had returned exactly what XXXX XXXX had shipped to me in the first place, it seems that XXXX XXXX themselves had shipped me the wrong hard drive that had probably been tampered with previously. Since it wasn't recognized by my PC when I tried to use it, I had no way of knowing it was the wrong drive and just thought it was a defective drive. 

I checked my Chase credit card statement and noticed that Chase had charged me {$270.00} for the drive, overriding the interim refund they had issued me while investigating the dispute. I spoke to Chase 's dispute department a total of 2 times between XX/XX/XXXX and XXXX, and was told that XXXX XXXX had informed Chase that they'd received the wrong return so they couldn't issue a refund. Chase then closed the dispute in XXXX XXXX 's favor. I told Chase I had proof in the form of a text thread with my roommate who tried out the defective drive, pictures of error messages, and a chat transcript with XXXX XXXX customer service saying that I would be refunded. Chase refused to consider this information and said they couldn't reopen the dispute. 

I then emailed XXXX XXXX 's executive customer service team and asked for help getting a refund. The response I got was that to receive a refund, the product being returned had to match the product that was ordered. There was no consideration given to the fact that the returned product didn't match the ordered product since I had received the wrong product from XXXX XXXX in the first place ( email transcript included in attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: United PanAm Financial Corp.
State: TX

Complaint narrative:
I am requesting the following documents from United Auto Credit 1.Validation of debt the actual accounting of the contract. 2.A copy of a contract binding both parties. 3. Proof of full disclosure explaining that i was actually creating credit with my wet ink signature. 4. Equal consideration 5. The wet ink signature of both parties. In order for a loan to be valid it is required by common and consumer law to have both wet ink signatures of both parties.6. A INVOICE. Do not send a statement as a invoice a statement is NOT an invoice I am requesting proof of an invoice. Also a loan application does not constitute a contract as it is only signed by one of the parties which is me the consumer. Please send contract that has wet signatures from both parties. I am requesting these documents within the next 15-30 days. Refusing to provide these documents is a direct violations of the duties of the furnisher and more fcra guidelines. Done in good faith all rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraudulent activity regarding a hard inquiry on my Transunion credit report from XXXX XXXXXXXX XXXX on XX/XX/2023. After speaking to the issuer, i was notified that no accounts have been issued, but still, there is a hard inquiry on my credit report that was not made by 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase bank recently sent me a new credit card as the one ive currently been using for years was reaching its expiration date displayed on the front of the card. 

Credit card Chase Freedom Unlimited Ending in XXXX The new one they sent does not process any new charges & the account currently reflects as closed. Furthermore, the new card that arrived in the mail is valid until XX/XX/XXXX which is just a few months after the previous card expires. 

Ive tried reaching out to them about the issue but have not received a response on the matter. 

Ive been a card member since XXXX and have never missed a payment. This is causing major delays and is discriminatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the numerous attempts I have made to have late open accounts to correct them from my credit report. Despite my persistent efforts to rectify this issue, these late open accounts continue to negatively impact my credit profile.

I have attach my supporting documents, such as copies of dispute letters, responses from the creditors, as well as my DL, SSN, and POA.

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open accounts remain on my credit report, impairing my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A thorough and immediate investigation into the late open accounts in question, including verification of the accuracy of the information with the creditors. 

If the accounts are found to be erroneous, the immediate correction of the late open accounts from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit report once the issue has been resolved. 

A detailed explanation of the actions taken during the investigation and the outcome. 

I urge you to address this complaint as a matter of urgency. Timely resolution of such issues is critical for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your assistance to correct the late open accounts : XX/XX/XXXX XXXX Balance : {$3000.00} ; XX/XX/XXXX Balance : {$12000.00}.

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 2023-10-21 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the numerous attempts I have made to have late open accounts to correct them from my credit report. Despite my persistent efforts to rectify this issue, these late open accounts continue to negatively impact my credit profile. 

I have attach my supporting documents, such as copies of dispute letters, responses from the creditors, as well as my DL, SSN, and POA. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open accounts remain on my credit report, impairing my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A thorough and immediate investigation into the late open accounts in question, including verification of the accuracy of the information with the creditors. 

If the accounts are found to be erroneous, the immediate correction of the late open accounts from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit report once the issue has been resolved. 

A detailed explanation of the actions taken during the investigation and the outcome. 

I urge you to address this complaint as a matter of urgency. Timely resolution of such issues is critical for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your assistance to correct the late open accounts : XX/XX/XXXX XXXX Balance : {$3000.00} ;XX/XX/XXXXXXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Student loans were dischargeable in bankruptcy in 2015 only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}

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 2023-10-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My Student loans were dischargeable in bankruptcy in XXXX  only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
My Student loans were dischargeable in bankruptcy in XXXX  only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}

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 explanation
Consumer complaint received 2023-10-21 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00}

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX  XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief