vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against TransUnion and XXXX Credit Bureaus. In XX/XX/XXXX, a debt collection company XXXX XXXX XXXX XXXX filed a credit report in my credit record with the credit bureaus in error. It was an error because I was a victim of an identity theft in XXXX, when someone residing in the XXXX XXXX XXXX, where I never lived, opened a Phone account in my name, at a state which I never lived. When that account was opened, the phone company failed to verify the address of the fraudster from a government issued ID ; so bills in my name were mailed to an address in a state that I never lived in. I filed a dispute with XXXX, XXXX and TransUnion. XXXX did an investigation and accepted my dispute. To my utmost disappointment, TransUnion and XXXX did not honor my dispute, probably due to suboptimal investigation. TransUnion dropped my credit score from XXXX to XXXX, thereby willfully damaging my decades of exceptional credit history. And XXXX also dropped my credit scores into the XXXX. 
On XX/XX/XXXX, I filed our complaint against XXXX XXXX XXXX XXXX to the Consumer Protection Financial Bureau ( CPFB ), which reached out to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed CPFB that they now acknowledge that I was a victim of identity theft, and that they have requested that all three credit bureaus remove this credit report from my credit record. XXXX XXXX XXXX also sent me an email stating that they have closed this credit and that they requested all credit bureaus to delete it. 
XXXX has restored my credit scores to XXXX. But TransUnion has stubbornly declined to restore my credit or remove a history of negative report from my credit record. Same with XXXX. So, I am filing this complaint before getting my lawyers involved.

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 2024-11-22 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-22 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: NJ

Complaint narrative:
I do not recognize the address please remove from report thank you. 

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 explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I noticed XXXX withdrawals for {$3500.00} each. I noticed these transactions and immediately contacted chase to report fraud. After a week with no help through phone, I decided to go into my local chase bank. I spoke with XXXX XXXX and he helped me file a forged item declaration on XX/XX/year>. I filled out all documents and was told XXXX would send them in and I should hear something in roughly a week. XXXX weeks later Im still missing my money and chase wont help me over the phone. Patiently I have been waiting praying to see my funds back in my account. This weekend I will go in person again to try and figure this situation out with chase. I really need you guys to help me with this situation. To help me get my money back and to help speed the process up please. Thank You!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Nelnet is rejecting my checks sending a statement as to why but the reason/reasons don't match or make sense. It looks like a computer is opening my payments and no one is verifying its accuracy. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
Subject : Request for Investigation and Correction of Credit Report Errors Dear CFPB I am writing to formally dispute an inaccurate account on my credit report that I recently reviewed. It has come to my attention that there are late payments reported on an account where I have consistently made my payments on time. 
As per the Fair Credit Reporting Act, consumer reporting agencies are required to report all information with complete accuracy. This account does not reflect that standard, as it should not indicate any late payments. 
I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. 
If this information can not be verified, I demand that the payment history be updated to reflect that these payments were made on time, effective immediately. 
Thank you for your understanding and prompt attention to this matter. I look forward to your response.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It is my personal statement that the inquiries that I have listed are a result of identity theft and must be deleted within XXXX business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) please update my personal information to reflect accurately on my credit file. 

SEE ATTACHED IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
Upon examining my credit report, I noticed the inclusion of several accounts that are currently subject to ongoing litigation. Given that these legal matters are still unresolved, their presence on my report is unduly impacting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-21 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: AZ

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 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: FL

Complaint narrative:
This CFPB complaint has been filed to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, as a credit reporting agency, block the information appearing on my consumer credit report that is a result of identity theft and fraud. As required by law, this action must be completed within XXXX business days of receiving this complaint. 
The following items do not belong to me and are the result of unauthorized fraud : XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  / XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of the FTC Identity Theft Report as evidence from the U.S. Federal Trade Commission, confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was CHARGE OFF on the following date [ XXXX, 2022 ]. Since then, the account has repeatedly been updated as Charge-Off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : Experian : [ XXXX, XXXX ] [ Account number : XXXX ] I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by [ XXXX, XXXX ] [ Account number : XXXX ] substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

According to FCRA 611 ( 15 U.S.C. 1681I ) ( PROCEDURE IN CASE OF DISPUTED ACCURACY ) they are suppose to do this : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) 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 shall- ( i ) 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

In my case as a consumer, my credit report has to be XXXX % accurate. Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act 611 ( a ) ( XXXX ), i'm going to file a Small Claims lawsuit against you if you do not Delete and Remove this account from my Credit Report for Violations of the Fair Credit Reporting Act - including but not limited to Section 611.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: WI

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-11-21 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: VA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-11-21 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: VA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: SD

Complaint narrative:
I purchased two different prepaid vanilla visa gift cards, one on XX/XX/XXXX the other on XX/XX/XXXX. Later in XXXX I attempted to used them but they kept getting declined at retailers, I called in to incomm or pathforward to ask for help using the cards. They told me they were locked due to fraud concerns. They informed me that they would mail me out replacements. The replacements arrived about 1 week later, but they could not be activated InComm/XXXX informed me that I needed to send in proof of purchase for the cards, along with ID and address matching my ID. I provided this information and called in to get them activated. They told me I needed to wait up to 30 days for the issue to get resolved. I foolishly waited the full 30 days and now they say they don't have the documents I sent in. They have kept these 2 seperate {$500.00} visa gift cards unusable for nearly 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Request for Assistance in Resolving Credit Report Issues Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding serious discrepancies found in my credit report. After obtaining a copy of my credit report, I discovered numerous unauthorized inquiries, as well as variations of my name and outdated addresses associated with my report. 

Despite my efforts to resolve these issues by sending multiple letters to the credit reporting agencies, I have yet to receive a satisfactory response or resolution. These inaccuracies not only affect my creditworthiness but also represent a significant source of stress and concern. 

Specifically, I would like to outline the issues I am experiencing : 1. Numerous unauthorized inquiries that I did not authorize.

2. Variations of my name that do not accurately reflect my legal name.

3. Outdated addresses that should no longer be associated with my credit report.

I believe that these errors may be contributing to a negative impact on my credit score and overall financial history. I kindly request your support in facilitating the correction of these inaccuracies and in assisting me with the removal of the unauthorized inquiries.

Enclosed are copies of the relevant documentation I have previously sent to the credit reporting agencies, as well as copies of my credit report highlighting the discrepancies.

Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your guidance on how best to resolve these issues XX/XX/XXXX XXXX XXXX XXXXXXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Experian Address XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses Experian XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX None Match

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Yes I do. I have a problem with account XXXX I XXXX XXXX  a wire and messed up last digit and it was returned so I rewired digitally again and it was cancelled so I did in branch and it was cancelled again and my account was closed for no reason I called prior to the second wire letting customer service know I messed up and was reissuing Some XXXX customer service agent called to say closing my accounts and says no one can do anything Subsequently they went after my business account which does XXXX  a year as retailation a week later after I contacted a friend very high up in Chase would wanted to my me to JP Morgan.

Company response to consumer: Closed with explanation