vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I basically asked XXXX for a credit report on me, its been a year now and they havent issued me a credit report with any credit on the report. Because of their error, im asking to have every credit report, XXXX, XXXX, and Experian to issue me and report with refer to this section of the U.S. Codes : Delete Inquiries 15 US Code 1681 ( a ) 15 US Code 1681 ( b ) Delete Late Payments 15 US Code 1666 ( b ) 15 US Code 1637 ( a ) Delete Collections 15 US Code 1692 ( g ) 15 US Code 1692 ( c ) Delete Chargeoffs 15 US Code 1681 ( e ) 15 US Code 1681 ( i ) Im asking the CFPB to assist me, because i havent received the proper response on my credit reports from XXXX, XXXX, or Experian. I also ask each report be released to me and creditors, XXXX is the company that hasnt given me a report in over a year. Just a blank page.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had wire fraud activity on my old checking account and Chase is refusing my claims. I have done everything asked of them and they still are not able to provide me updates or a status of my case. Submitted a complaint to IC3, filed a police report, opened a case with Chase, and created a new checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I am listing XXXX inquiries Fraudulent from Transunion Credit Report. XXXX XXXX XX/XX/year>. XXXX  XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. i am requesting Transunion to mark these inquiries fraudulent and 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 non-monetary relief
Consumer complaint received 2025-02-24 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:
Under 15 USC 1681i ( 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 and 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. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: WA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX : XXXX  XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  Inquiry date - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry date - XX/XX/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 2025-02-24 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-24 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: VA

Complaint narrative:
Hey I sent a CFPB complaint in last month XX/XX/year> regarding an incorrect late payment on my XXXX  XXXX credit card account. It was removed from XXXX  and XXXX but it still remains on my equifax. This is inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
FOUND AN INQUIRY THAT I DON'T RECOGNIZE XXXX  XXXX XX/XX/year>

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX Northwest XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, NAVY FCU - XX/XX/XXXX, and NAVY FCU - XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> my card was stolen and someone was already in my bank account moving all of our money around ( the morning our tax return dropped into our account ) and that entire tax return was spent. We were given a provisional credit to our account in the amounts of {$3600.00} and {$1500.00}. Now they are denying our claims and I was told over the phone that they dont deal with scams and our money would not be returned. We have an open case filed with the police in our area, they believe they know who did it but its still ongoing. A transaction for {$17.00} was also claimed and accepted. This was a transaction made at the same time as all of the other transactions made by the same person who stole my card. But the other claim with {$3600.00} was denied allegedly because they said it looks like I authorized those transactions. I did not authorize a single transaction made, the card was not and is not in my possession. I was also told by a navy federal XXXX  that I should not worry, it happens and things will get resolved. Then another representative told me well im sorry you were given false hope, we dont deal with scams. I also asked if I could possibly see if I could get the video surveillance from the XXXX  in our area that my card was racked up at and send it in to them and she said they dont take auditory or video evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I dont have any acknowledgment about this best egg loan account of company showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: LA

Complaint narrative:
Improper use of my Credit report. 

On XXXX of XXXX it was reported That I missed a Payment with XXXX XXXX. Also in XXXX of XXXX it shows on my credit report a late payment on a XXXX XXXX XXXX. These items are affecting my credit report unfairly. In accordance to the Fair Reporting Act, This creditor has violated my rights, under 15 USC 1681 SECTION 602, it states that I have a right to privacy, 15 USC 1681 SECTION 604A SECTION 2, also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666 B. A CREDITOR May not treat a credit card account under an open consumer plan as late for any purpose. 

I have sent XXXX rounds of dispute letters to TransUnion, XXXX, and XXXX. XXXX and XXXX has removed and corrected my status on my credit report, only TransUnion failed to follow suit with correcting my report and status. 

Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion 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 2025-02-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX  XXXX Billing Statements requested from XX/XX/XXXX until present were not provided, either XXXXXXXX XXXXXXXX Or The Government or governor XXXX XXXX XXXX 

THE ONLY FAIR SOLUTION | No Dealing or Compromising. 

<|Total Dissolution of the XXXX  from the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  and Ripping off for Royal Empires  and XXXX XXXX Other XXXX  XXXX XXXX this " XXXX '' standard of rules and guidance in accordance with " Nation of XXXX Citizens '' procedures in support total and complete XXXX  ( XXXX  XXXX  XXXX, XXXX  ) - everything from all angles to the Maximum mirroring XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the only supported " Nation State of XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to effect all activities starting XXXX XX/XX/XXXX into infinity, but perpetual. XXXX XXXX [ XXXX XXXX XXXX XXXX my request and did OK as expected- still Missing my Becoming by XXXX  and Source Code My beginnings by XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX. I did get an image from the XXXX Mail person showing the package was delivered to XXXX. What happened? Should I now contact XXXX XXXX Or The Government or governor XXXX XXXX XXXX receive the codes to obtain my official mails through XXXX XXXX XXXX XXXX Where is the post master General? Should I call the FBI, XXXX, XXXX, The Secretaries, the Jail or Prison officials from XXXX XXXX? The Sheriff and Others. Should I just send this message to XXXX XXXX or XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX  to Represent me to substantiate my request or depose the State of XXXX  officials in the Interim before becoming a Territory of the newly formed only state in the American Continent ( ( I.e. Nation State of XXXX XXXX XXXX XXXX ), including all territories in the north from XXXX XXXX XXXX to XXXX XXXX  as only landmass territorial borders land AND what! XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all the way to the tip of Alert! ) close proximity to XXXX XXXX portion. Now, I need my XXXX XXXX  book ( XXXX  ) and XXXX XXXX XXXX XXXX XXXX My beginnings. I know for sure representatives at the ( XXXX XXXX XXXX XXXX XXXX  keep my ordered books from XXXX on XXXX XX/XX/XXXX delivered to the mailroom by the XXXX XXXX was there at the respective location. Your folks stopped me from receiving the XXXX special mailbox code, which should not be existed at all or yourself. Now, you SEE! Tell yourself something Positive Now or wait forever! However! 

I need to testify : I am XXXX & I was Born in XXXX ~ I do believe in the only XXXX not XXXX. I do know and practice XXXX as needed and Necessary. I also know XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Others are part of XXXX XXXX As the School Principal from XXXX XXXX XXXX  XXXX used to say There You Have it All! Thank you My name is XXXX  or XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
The problem is that they are not responding to my inquiries, and every time I request a review for inaccuracies, they incorrectly identify me as someone else, even though I have provided all of my personal documents. Under the XXXX and FCRA, all information must be validated and reported with 100 % accuracy, but this requirement is not being met in this case. 

I have attached a letter requesting them to verify and validate the information to ensure it is being reported correctly and accurately.

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 2025-02-24 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-24 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: PA

Complaint narrative:
I did not authorize these inquires i would like them removed. I have filed with identity theft.gov and provided a copy. immediately remove these from my credit reporting. 

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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