vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
Please accept this request for CFPB assistance resolving a complaint that I have with Chase, both Chase Bank and Chase XXXX. 



I paid for a car rental with XXXX using Chase XXXX points through the Chase XXXX XXXX ( see confirmation attached ) on XX/XX/XXXX. 

On XX/XX/XXXX, {$790.00} was charged to my Chase Sapphire Reserve credit card. 

I filed a dispute between XXXX XXXX XX/XX/XXXX via phone call. I received a letter from Chase on XX/XX/XXXX via the Notice and Letters section on my Chase online banking system requesting for further documentation and a form to be completed. I provided the completed form and provided documentation from Chase XXXX that the reservation was paid for using points. 

My claim was denied by Chase bank citing that the email confirmation from Chase XXXX was insufficient evidence. Chase XXXX has advised that the email is sufficient evidence. 



I have been communicating with XXXX, she is from the Chase XXXX XXXX Department. She currently has an open case to assist me with this issue, identified as XXXX. She has confirmed that this trip was paid for in points. She has been trying to reach out to XXXX, however they have been impossible to reach per her report. She even has her own supervisor assisting with this issue. Multiple emails have been sent and they are still waiting to hear back from XXXX, as they have not been responsive. The Chase XXXX department has been working on this issue since XX/XX/XXXX. There has been minimal to no response from XXXX as of XX/XX/XXXX per XXXX 's report and she repeatedly states that both she and I are " getting the runaround '' from XXXX. 



I am frustrated and confused. I chose the Chase card for the travel benefits and yet when I used them, as per their instructions and their disclosures, I am not only charged a fee that I did not expect but am left with a fairly abusive process attempting to have this charge removed from my bill. It is unfair that I pay an annual fee for a stated benefit and then do not get that benefit. I respectfully ask the Bureau to assist in the resolution of this dispute. 

This complaint is for Chase Disputes, Chase XXXX, Chase Bank, and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-02 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:
XXXX XXXX XXXX  Fraudulent inquiry

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 2024-05-02 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: MN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
See attached documents for exact dates and times of communication between myself and XXXX XXXX XXXX, XXXX XXXX XXXX, and Pioneer Credit Recovery. 
12 CFR 1006.18 prohibits debt collectors from engaging in false, deceptive, or misleading representations, which includes reporting inaccurate information to consumer reporting agencies. 
The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) govern the reporting of consumer debt to credit reporting agencies. The FCRA, under Title VI of the Consumer Credit Protection Act, regulates consumer reporting agencies and aims to ensure accuracy, fairness, and privacy of consumer information. The FDCPA prohibits debt collectors from using deceptive or abusive practices in the collection of debts, which includes reporting inaccurate information to consumer reporting agencies. 
Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered great hard ship and because of the violation of FCRA and the FDCPA I've been forced to targeted lending systems, including predatory practices and barriers to accessing fair credit.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
In XXXX of XXXX, our property suffered devastating water damage due to frozen pipes. Working in partnership with our insurance company, a mitigation contractor and his team spent weeks filling multiple dumpsters with nearly every interior piece of our 113-year-old beloved XXXX two-flat. 

When the insurance company issued the {$67000.00} check to reimburse our contractor for his work, I was startled to see that the check was made out to our mortgage company as well. Our contractor reassured us that most companies are able to turn around their endorsement in a day or two. I opened a claim with them, found out what information they needed, gathered it, and overnighted them the endorsed check. They told me it would take 8 to 10 business days. 

I waited. Once that time had elapsed, I followed up, and found that instead of getting my money to pay my lovely, hardworking contractor, I was getting tortured in the absolute deepest depth of greedy bureaucratic XXXX. 

To be clear, the work is done. They do not need to inspect any repairs ; it's mitigation work only. They have photos, they have invoices, they have the assessors report. They have everything they asked for. They continue to hold my money, presumably profiting off the interest, while taking no discernable action toward disbursing it back to me. 

Every day, I ask what has been done to address my claim and disburse these funds. Every day, I am told that the thing that I was told the day prior will perhaps now maybe be done today. Some days, they ask me to do something, like take a photo of a street sign. Some days, they say they might give me some of my money. Some days, they say they want to schedule an inspection. Do they schedule the inspection? No, somebody requests that somebody else request that it be scheduled, but nobody ever actually does it. 

This is, bar none, the worst experience I have ever had with any business of any sort. It is greedy. It is incompetent. It is unconscionable. 

Did you read XXXX XXXX XXXXXXXX? It's like that, but more absurd. It's frankly more tragic, because the small business owner who did tens and tens of thousands of dollars of backbreaking labor in order to help us save our home? He's the one waiting for something that nobody can assure me is coming.

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 2024-05-02 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 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 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 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 2024-05-02 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: MN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting another complaint as a follow up still regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : EXPERIAN : XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX. Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.

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 2024-05-02 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: CA

Complaint narrative:
I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX. 

It is noteworthy that both XXXX and XXXX have already purged this account from their records after identifying and correcting an error. I am puzzled by the continuation of verification for this account by your bureau when other agencies have already eliminated them. I urge you to expunge this account from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove this fraudulent account from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete this fraudulent account promptly, as they are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Last year, I received a request to show up to court regarding a debt with Portfolio Recovery Services LLC. Apparently they tried to get in touch with me at an address I was not living at. 
Upon receiving the summons to show up to court, I noticed I never had an account with them, upon reviewing the papers, l discovered my name is incorrectly listed and I have no record of ever having an account with them. They have not provided me with any documentation stating I have an account with them. 

I have received these papers via mail today. The stipulation for payment is not even under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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.
State: GA

Complaint narrative:
Each charge off account on my credit report are showing a past due balance which is a violation and I want the accounts removed immediately from all my credit reports or legal action will follow for each credit reporting bureaus.

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 2024-05-02 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: GA

Complaint narrative:
Each charge off account on my credit report are showing a past due balance which is a violation and I want the accounts removed immediately from all my credit reports or legal action will follow for each credit reporting bureaus.

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 2024-05-02 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: ND

Complaint narrative:
I am writing to follow up on my previous communications regarding the fraudulent items present on my credit file. Despite previous attempts to address this issue, the fraudulent items have not yet been removed from my credit report. This situation is deeply concerning as it negatively impacts my creditworthiness and financial standing. 

I urge you to take immediate action to rectify this matter by removing the fraudulent items from my credit file. These inaccuracies pose a significant risk to my financial well-being and must be addressed urgently. 

Furthermore, I kindly request regular updates on the progress of your investigation into these fraudulent entries and the steps being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2024-05-02 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: ND

Complaint narrative:
I am writing to follow up on my previous communications regarding the fraudulent items present on my credit file. Despite previous attempts to address this issue, the fraudulent items have not yet been removed from my credit report. This situation is deeply concerning as it negatively impacts my creditworthiness and financial standing. 

I urge you to take immediate action to rectify this matter by removing the fraudulent items from my credit file. These inaccuracies pose a significant risk to my financial well-being and must be addressed urgently. 

Furthermore, I kindly request regular updates on the progress of your investigation into these fraudulent entries and the steps being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX SD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.

Company response to consumer: Closed with explanation