vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern this is my formal complaint on trans Union. They continue to violate 15 USC 1681g as it relates to my consumer profile. I am requesting these documents in order to confirm this accounts validity. I have the right to review this information. Pursuant to 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( XXXX ) [ 1681h ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumers file at the time of the request. Trans Union continues to send a parroted responses instead of providing what I requested. Trans union refusal to comply is a complete violation of the FCRA .15 U.S.C. 1681o : ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; Its clear that the documents i requested, trans union does not have, therefore there is no possibility. 
the account in question has been verified. I demand this account to be deleted from my consumer report immediately.

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 2024-04-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There is an Amex card on my credit report that isnt mine. Ive never had a credit card with Amex. I believe Ive been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CITIBANK, N.A.
State: WA

Complaint narrative:
For no reason at all after using my card 2 times it was declined.i called and had to undergo about 7 different security measures along with my secret word which all were correct i gave my phone number which is in my name gave my work number which they called and validated said it would work only to later on say oops i guess it wont work, i gave my other credit card numbers and bank account numbers only to be told i have to wait a week for some mail to come. this is rediculous and i think they do this just so your niot able to claim the bonus.

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 2024-04-01 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: OR

Complaint narrative:
I never gave authorization for these inquries they were made by fraud or misuse or abuse of my report by creditor. There is no permissible purpose and its invasion of my privacy. they are in violation of several federal consumer laws. I demand these unauthorized inquires be removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: OR

Complaint narrative:
I never gave authorization for these inquries they were made by fraud or misuse or abuse of my report by creditor. There is no permissible purpose and its invasion of my privacy. they are in violation of several federal consumer laws. I demand these unauthorized inquires be removed from my account

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 2024-04-01 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do 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 explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC
State: MS

Complaint narrative:
This is my second complaint on this company, and also my final. My previous complaint stated how I was taken control of without being knowledgeable of the event at hand but Preferred Credit chose to overlook my issue and instead " verify the debt. '' I NEVER once stated the debt did not belong to me, CLEARLY!

Because this is the route Preferred Credit chose to go, I will be reporting them to the SEC, along with sending a CIVIL COVER SHEET for collecting MULTIPLE tender of payment on a PAID BOND using my signature.

As stated in the previous letter, Preferred Credit has " security interest '' in my product. Please provide me with proof of the security interest in the rainbow cleaning system along wit the FACT the contract was NOT paid in full and you were able to collect tender of payment from me. Last but not least, I am requesting as stated in the " PREPAYMENT '' section of the letter that anything that was due to me, was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-04-01 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
my credit was pulled with out my concent. for a supposed loan or what ever the bank stated in a email i emailed them back and told them it wasnt me nor did i allow them to do so. i requested for the hard ding on my credit report to be removed and the bank is refusing to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CO

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-01 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: FL

Complaint narrative:
To whom it may concern : Upon reviewing my credit report, I have identified unauthorized and fraudulent credit inquiries made by the entities listed below : Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

I hereby assert that I did not provide authorization for these companies to access or review my credit report. Furthermore, I did not consent to Experian including this information in my credit report. These actions violate Section 1681b ( c ) of the Credit Reporting Act and infringe upon my privacy rights.

I respectfully demand that you confirm the accuracy of this information with the aforementioned companies and provide me with copies of any documentation associated with these accounts that bear my signature, indicating my approval for these inquiries.

Moreover, I request that Experian produce a contract between myself, as the consumer, and the company, establishing my consent for them to furnish any information on my behalf. This contract must include my signature. 

If no such documentation bearing my signature is provided, I formally request the expeditious removal of these fraudulent inquiries from the credit file associated with my Social Security number. 

Please be advised that under Section 611 of the Fair Credit Reporting Act, you are obligated to produce the requested contract and conduct a thorough investigation into this matter. 

Thank you for your prompt attention to this serious issue. 

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 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Sent the money to Transworld Systems Inc. collector and they failed to send to XXXX to pay a debt. I have reached out to them and sent them information along with the money order that I sent to pay the debt for my grandson XXXX XXXX. Also I have copy from my XXXX XXXX XXXX showing that they cashed the check, and put into their business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
XX/XX/24 I reached out to ConcordXXXX XXXX XXXX to request a deferment request as a result of a XXXX disaster which impacted the property. I have called 6 times since then and keep getting advised that they will follow up on it. I received an email stating the ticket was processed and closed but there is no decision on the request. I was just advised that now that the account is about 12 days late that when they get a response it may not be approved. Also, I would like to advise that based on the recommendation from the Company XXXX  that I obtained this loan they had me payoff an existing unsecured personal loan ( XXXX ) with the proceeds to provide another loan. I noticed I have an open XXXX lien for this account, but it should not be listed as such as the proceeds were used to pay off an existing unsecured loan by the agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: KS

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-04-01 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-01 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: TX

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As I mentioned the day that stolen from my account. I called the company and told them I have never traveled to Michigan or used my debit card there. 

To further prove this, at XXXXXXXX XXXX  on XX/XX/2023, I used my debit card to make a purchase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, and on the same day, I used my card at XXXX XXXX XXXX , XXXX, NY XXXX XXXX 

It is clear that the purchase that occurred in Michigan was not made by me, and someone has been pretending to be me to commit fraud and a criminal act. 

I believe it is Chase Bank 's responsibility to keep their customers safe, and for an amount like this, I should have been called to double-check. This whole process has been very painful and has caused me an immense amount of stress due to the lack of support I have received from Chase Bank customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I had fraud charges that occurred on my card and also I tried to withdraw funds from my card from ATM at a local ATM and no funds was dispense after disputing it with DirectExpress. I got a temporary credit and without notice they removed all the credits from my account also I have indicated to them that there was fraud that occurred on my account and that I needed to be disputed, they disputed it and the reverse credit from my account again I have never made any transactions with XXXX and I cant get in contact with XXXX as well so they can give me my funds

Company response to consumer: Closed with monetary relief