vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

Request for Credit Inquiry Removal Incorrect address Incorrect credit Report. 

Dear XXXX, I am writing to dispute an unauthorized or inaccurate credit inquiry on my credit report. Below are the details of the investigations in question : 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 

Unauthorized inquiry, no credit application was submitted I did not authorize this inquiry, nor did I apply for credit with the company mentioned. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inquiries that I believe are unauthorized or inaccurate. Also, the addresses listed on my credit report are incorrect. 
I kindly request that you investigate this matter and remove the inquiry from my credit report if it is found to be invalid. To assist in your investigation, I have included the following documentation : 1. A copy of my credit report with the inquiry highlighted. 

Please notify me of the results of your investigation as soon as possible. I appreciate your attention to this matter and look forward to your prompt response. If you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

Request for Credit Inquiry Removal Incorrect address Incorrect credit Report. 

Dear XXXX, I am writing to dispute an unauthorized or inaccurate credit inquiry on my credit report. Below are the details of the investigations in question : XXXXXXXX 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 

Unauthorized inquiry, no credit application was submitted I did not authorize this inquiry, nor did I apply for credit with the company mentioned. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inquiries that I believe are unauthorized or inaccurate. Also, the addresses listed on my credit report are incorrect. 
I kindly request that you investigate this matter and remove the inquiry from my credit report if it is found to be invalid. To assist in your investigation, I have included the following documentation : 1. A copy of my credit report with the inquiry highlighted. 

Please notify me of the results of your investigation as soon as possible. I appreciate your attention to this matter and look forward to your prompt response. If you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i got a card offer on XXXX XXXX i filled out the application it has for a {$99.00} I paid the {$99.00} I called they said they didn't have any information that they could give me besides an account I had been opened have yet to hear anything back in the mail or by phone or by email I filled out this application and sent the XXXX dollars on XXXX. XXXX  I received the letter in the mail XX/XX/XXXX asking for a deposit still I would like my credit card and access to account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Report Dispute In a recent submission, I inadvertently attached incorrect documents to my dispute filings. I apologize for this oversight and wish to clarify that the issues and accounts I am disputing remain unchanged. I am submitting this revised dispute to provide the correct documentation for your review. 

Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
NOTICE OF UNVERIFIED INFORMATION REPORTING IN MY CREDIT FILE After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of lawful verification of this alleged debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks or unverified information. 
The following unverified information MUST be Remove from my credit file or Provide Lawful verification under oath or sworn statement or notarized affidavit. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX As you know it is against the law to report any inaccurate information or unverified information not lawfully verified or lawfully proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative unverified remarks or information found on my credit file or credit report is a violation of the FCRA and FDCPA when you can not lawfully furnish the validity of the remark or information. I am not in dispute of the ownership of the account but if you are unable to lawfully provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account or information from my credit file and credit report. 

Best Regards, XXXX, XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Additional Inaccurate Information, Late Payments, and Unauthorized Inquiries on TRANSUNION Consumer Report Dear CFPB, I am writing to dispute additional inaccuracies, late payments, and unauthorized inquiries appearing on my TRANSUNION consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 

Additional Disputed Account/s, Inquiries, and Late Payments : 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 Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. 

Furthermore, under 15 U.S.C. 1681e ( b ), XXXX has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file. 

Attached is my attached XXXX consumer report. 

Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
united autocredit should not be permitted to teport a repossession on my report sincd they committed fraud by reposeing my van as i never refuse to pay i ask for a validation of debt and they never provided me with such validation and they went ahead and repossessed my van with out notice they violated contract law and also went ahead and repo the van with packages from my job inside the van I have notified the bank of not repossessing my van with out first providing the debt validation I requested which is my right under the law they have committed securities fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX company XXXX XXXX XXXX XXXX XXXX, XXXX from the XXXX XXXX XXXX XXXX XXXXXXXX sent money in the amount of XXXX USD to our company 's XXXX XXXX account with XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX  we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : Urgent Request to Resolve Account Lock Due to Identity Verification Dear Bank of America Customer Support Team, My name is XXXX XXXX and I have been a loyal customer of Bank of America for the past 6 years. 
My account number is XXXX and I am writing to express my urgent concern regarding the complete block of my account, which has left me unable to access essential funds. 

Recently, I attempted to update my phone number in the Security Center of my online banking profile to reflect my current international contact number. The update was successful. However, on [ data exata do incidente ], while in XXXX XXXX, XXXX, I attempted to use my debit card via XXXX XXXX for a transaction of approximately {$580.00}. The transaction was declined, and I received a verification prompt within the app, which I promptly confirmed To my dismay, the debit card remained blocked, and shortly after, my access to both the app and the Internet Banking platform was completely restricted. 

My Attempts to Resolve the Issue : I immediately contacted the Fraud Department and subsequently the Debit Card Department. Despite providing all the requested information and offering to submit any additional documents to verify my identity, I was informed that the only way to resolve this issue would be to appear in person at a Financial Center in the United States. 

This requirement is not feasible for the following reasons : 1.I am not in the XXXX XXXX , and my XXXX  has expired, which the renew was not have been applied yet.

2.Traveling to the United States is both logistically and financially impossible at this time. 

Impact of the Account Access Blocked : My account holds approximately {$700.00}, which I urgently need for living expenses. 
My XXXX daughters account, also with Bank of America, contains {$2000.00}, which she needs immediately for her regular expenses. 

Request for Resolution : I respectfully requested that Bank of America provide an alternative method for identity verification, given my circumstances. 
I am willing to submit any documentation necessary, including my passport, proof of residence, and any other information required to confirm my identity and resolve this issue remotely It is unreasonable and unfair to block access to essential funds without offering a viable alternative for customers residing abroad, especially when all necessary information to authenticate my identity has been provided. 

: I trust in Bank of Americas commitment to its customers and hope this matter can be resolved without further complications Please treat this as an urgent request and let me know the next steps I can take to regain access to my account. 

Sincerely, XXXX XXXX Account Holder : XXXX Phone : XXXX or XXXX Email : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. DELETE THESE ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in THE PAYMENT HISTORY. THEY ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS AN INACURATE IN REPORTING. THESE LATE PAYMENTS ARE INACCURATE AND ARE A VIOLATION OF THE FCRA AND MUST BE ( UPDATED IMMEDIATELY TO PAID AS AGREED, PAID ON TIME, NEVER LATE ). AFTER THIS INVESTIGATION, UPDATE EACH DATE IN EACH ACCOUNT TO PAID AS AGREED, PAID ON TIME, NEVER LATE '' UPDATE EACH DATE IN THE ACCOUNT HISTORY OF THESE ACCOUNTS TO NEVER LATE, PAID ON TIME, PAID AS AGREED -- -- ( 6 accounts for the DEPARTMENT OF ED/ XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Report Dispute In a recent submission, I inadvertently attached incorrect documents to my dispute filings. I apologize for this oversight and wish to clarify that the issues and accounts I am disputing remain unchanged. I am submitting this revised dispute to provide the correct documentation for your review. 

Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation