vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: GA

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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: UT

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MI

Complaint narrative:
As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls uder XXXX XXXX  accourding to XXXX XXXX XXXX rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}

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 2024-10-21 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: MI

Complaint narrative:
As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls uder XXXX XXXX  accourding to XXXX XXXX XXXX rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS. 
Please delete the following accounts : XXXX XXXX XXXX, XXXX. {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX  bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}

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 2024-10-21 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-21 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I went to the CHASE bank to withdraw {$200.00} from my benefit card, which represents child support funds, at a bank ATM. Although the machine appeared to function normally, an error occurred during the transaction, and the cash dispenser did not release the funds. I immediately brought the issue to the attention of the bank manager and staff, but they were unhelpful and dismissive, instructing me to contact the child support office.

After reaching out to the child support office, they informed me that once the funds are released, responsibility falls to the bank, particularly in the case of ATM malfunctions. I have four records detailing the transaction, including the date, time, terminal ID, and sequence number. Additionally, I took a photo of the machines serial number, part number, and type. The receipts also indicate that the machine was out of cash. 

Despite expressing my frustration, the manager refused to take further action, insisting it was not his responsibility. This is critical, as the funds in question are intended for my childs support. I kindly request your assistance in resolving this matter and recovering the funds.

I also currently live in the shelter with my two kids and this isnt easy for me. That money was supposed to feed them. Ive reached out to many people and gotten 0 help. Im frustrated and angry. This has never happened. Ive been using the events card to receive my child support money all my life and it was never a problem till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We submitted a promotional balance transfer from a Chase credit card to another credit card in the amount of {$14000.00}. If made within 60 days of account opening, fee was to be 3 %. We submitted request within 60 days, got confirmation of the request via email, saw it pending online as of XX/XX/XXXX ( pending status thru XX/XX/XXXX ), and on XX/XX/XXXX saw the transfer was deleted. Called Chase and reps initially told us nothing other than it was cancelled and wed receive a letter in the mail. Requested a supervisor who after verifying account information could only offer that the receiving bank must have different banking account info resulting in the cancellation and suggested we check with other bank ( XXXX ). XXXX confirmed account info we submitted was accurate and added they never received a balance transfer transaction submitted to them from Chase. Now promotional incentive is past and Chase will not reinstate offer at the 3 %. The fee is now 5 % - Damages are {$280.00} and it negates our ability to transfer the amount we initially requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I am reaching out to address fraudulent personal information linked to my identity. Accounts and transactions have been wrongly assigned to me without my consent, causing me significant distress. As a victim of identity theft, I have reported this incident and urgently need your help in removing all fraudulent information from my credit report. A thorough investigation is essential, as this situation has harmed my financial standing and personal reputation. I am ready to provide any evidence needed and may pursue legal action to safeguard my rights and seek compensation. Thank you for your prompt attention to this urgent matter.

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 2024-10-21 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 am writing to file a formal complaint against Experian for reporting an inaccurate address in the previous address section of my consumer report. Despite my prior dispute efforts, this incorrect address continues to appear on my report.According to the Fair Credit Reporting Act ( FCRA ), 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Experians continued reporting of this incorrect address, which I am not associated with, is a violation of this provision. Additionally, under 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete any data found to be inaccurate or unverifiable.To support my dispute, I will be providing copies of my state ID and a recent bank statement, which both reflect my correct and accurate address. The address currently listed in the previous address section of my consumer report is inaccurate and should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
Years ago I was married and we had a joint account at XXXX XXXX XXXX XXXX, it was a platinum visa card. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided XXXX XXXX the divorce agreement that included the order and they still continue to try to collect from me. TransUnion is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my XXXX XXXX. I don't know what else to do.

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 2024-10-21 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: MD

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 explanation
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-10-21 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'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-10-21 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: Financial Credit Network Inc
State: NC

Complaint narrative:
In XX/XX/2020, a collection account was opened with Financial Credit Network regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This account was fully paid and marked as " Closed '' as of XX/XX/2020. Despite the debt being paid in full and the account being closed, Financial Credit Network continues to report this account on my credit report, which is unfairly damaging my credit score.

I have disputed this account multiple times, yet it remains on my credit file, even though I have no further obligations regarding this debt. I have never had a direct contract with Financial Credit Network, and the continued reporting of this paid and closed account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am requesting that this account be immediately removed from my credit report. If this issue is not resolved promptly, I will be forced to take legal action to protect my rights and hold the parties responsible for the ongoing inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
XXXX to XXXX unemployment relia card allowed some one to make over XXXX dollar of transactions in my name Ive called multiple times in made report proved everything they wanted me to in they still didnt stop it or cancel out the card in when they did they didnt issue me another

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