vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: NV

Complaint narrative:
I am following up on my previous complaint, marking my XXXX endeavor in addressing the distressing issue of identity theft victimization. Diligently, I have lodged disputes for the inquiries and erroneous information stemming from this criminal activity. The items under dispute bear no relation to any transactions involving the lawful acquisition of goods, services, or funds authorized by me. I implore you to expunge the reporting of these inquiries from my credit file, as they are the direct consequence of alleged identity theft. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to promptly address these discrepancies.

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 2024-02-17 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: NV

Complaint narrative:
I am following up on my previous complaint, marking my XXXX endeavor in addressing the distressing issue of identity theft victimization. Diligently, I have lodged disputes for the inquiries and erroneous information stemming from this criminal activity. The items under dispute bear no relation to any transactions involving the lawful acquisition of goods, services, or funds authorized by me. I implore you to expunge the reporting of these inquiries from my credit file, as they are the direct consequence of alleged identity theft. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to promptly address these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I believe someone else used my information to open an account in my name plus it was only a XXXX $ limit how did they manage to get to a balance of XXXX I have no knowledge of this account and capital one just tells me its mine but never sent me any proof or information explaining how they figure that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

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 XXXX I XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
I have a closed account from XXXX on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call XXXX several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call XXXX every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.

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 2024-02-17 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: PA

Complaint narrative:
I have a closed account from XXXX on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call XXXX several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call XXXX every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
I have a closed account from XXXX on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call XXXX several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call XXXX every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.

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 2024-02-17 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: LA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: LA

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 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 2024-02-17 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2024-02-17 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: PA

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 XXXX I XXXX 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 2024-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I originally disputed this with JPMCB because at the time it was reported that my first missed payment was in XX/XX/XXXX.. I asked as a courtesy because it was approaching the 7 year mark if they could remove it.. not only do they not remove it they changed it to where now they moved the months of delinquency around they also moved the year around from XXXX to XXXX adding a whole another year to this purposely so that they to keep this on my record without any explanation.. you can't do that you can't report incorrect information and change it.. the facts are the facts .. they have their records that show when this was first reported delinquent.. they didn't just discover as soon as we disputed this that all of their information has or is wrong.. now going to add a whole another year and whole other months that they've never reported before and per the 7-year agreement it starts the date of the first missed payment.. I have pictures of what was reported originally and have pictures of what they purposely illegally reported I'm asking for this to be removed off my report it's long overdue and it's illegal trying to change my information just so they can purposely keep this on my report that's discrimination.. this needs to be removed on all three credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: LA

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 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 explanation
Consumer complaint received 2024-02-17 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: TX

Complaint narrative:
In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2024-02-17 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
No positive payment history reported from repayment of SBA loan XXXX loan 19 month auto pay 1 week early. previous auto loan payment history from XXXX multiple satisfied obligations. Improper use of reports not fair and equitable additional payment history incorrect no payments ever late or United States of America failing to fulfill obligations and direct any outstanding obligations past future present as all debts public and private are responsibility of The United States of America department of the treasury so must be a accounting mistake because the United States of America always pays its debts. I am just a beneficiary of a sound mind. Trustee failing to perform fiduciary duty.

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 2024-02-17 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: PA

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 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 explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
As of XX/XX/2024, TRuist reported my credit card 60 days past due. I paid the amount owed back in XXXX leaving the account with a XXXX balance. i paid it with my debit card and my bank statements can prove the transaction was successful. Additionally, TRuist has the account as paid with a XXXX balance in their system when i contacted them. They said the collection department reported the wrong balance in error. I have an internal dispute filled within Truist to clear up the 30 days late. Now they reported my account 60 days late for a balance of XXXX that I paid on XX/XX/XXXX ( XXXX dollars ) and XX/XX/2024 ( XXXX ). This account has never been late. This needs to be corrected asap. 60 days late is killing me. see proof attached. Thank you.

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 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2024 I notified Synchrony Bank that there were two fraudulent charges on my XXXX bill made to a company in XXXX XXXX when I was vacationing in XXXX. Synchrony agreed these charges were not made by me, but sent me a bill due XX/XX/2024 including them. 

I called nine different phone numbers over the past three weeks to get an accurate balance and a request to cancel my card. No one I spoke with on the phone or in a chat had access to my account or could cancel the card. Instead, I kept getting pitches for financial services with recurring monthly fees.

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 monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Unauthorized payments were taken from my Chase checking account from the merchant XXXX in the amounts of {$1500.00} USD and {$1800.00} USD on XX/XX/2024. Chase issued a new card on XX/XX/2024 and informed that I would receive a credit within hours but I never received the credit and was told that because inconsistent information was entered on Chases behalf. I asked Chase to refile the claim and did not receive help with this request. Im highly sadden that Chase would allow this and not fix the issue

Company response to consumer: Closed with explanation