vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: PA

Complaint narrative:
Company XXXX Credit Bureau : I am a victim of identity theft. there are credit cards and accounts that reported under my credit report, and also name and addresses that does not belong to me, all these are fraudulent accounts that I have no clues off. and need to be removed ASAP OF MY REPORT. THANK YOU FRAUDULENT NAME : XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ACCOUNTS : XXXX XXXX XXXX : {$2900.00} XXXX XX/XX/XXXX XXXX XXXX : {$4400.00} DATE XXXX XXXX, XXXX XXXX XXXX : {$13000.00} DATE : XXXX XXXX XXXX XXXX XXXX  : {$6100.00} DATE XXXX XXXX XXXX XXXX XXXX, XXXX. : {$1100.00} DATE XXXX XXXX, XXXX FRAUDULENT INQUIRIES : XXXX XXXX  XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX I NEED ALL THESE TO BE REMOVED, THESE ARE FRAUD UNDER MY NAME

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 2024-08-28 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: PA

Complaint narrative:
Company XXXX Credit Bureau : I am a victim of identity theft. there are credit cards and accounts that reported under my credit report, and also name and addresses that does not belong to me, all these are fraudulent accounts that I have no clues off. and need to be removed ASAP OF MY REPORT. THANK YOU FRAUDULENT NAME : XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ACCOUNTS : XXXX XXXX XXXX : {$2900.00} XXXX XX/XX/XXXX XXXX XXXX : {$4400.00} DATE XXXX XXXX, XXXX XXXX XXXX : {$13000.00} DATE : XXXX XXXX XXXX XXXX XXXX  : {$6100.00} DATE XXXX XXXX XXXX XXXX XXXX, XXXX. : {$1100.00} DATE XXXX XXXX, XXXX FRAUDULENT INQUIRIES : XXXX XXXX  XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX I NEED ALL THESE TO BE REMOVED, THESE ARE FRAUD UNDER MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-28 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: TX

Complaint narrative:
I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX2023 at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account whether you start from 2022 OR after the merger in 2023. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from 2022 and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and Ally has failed to update ANY information as legally required under FCRA.

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 2024-08-28 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: TX

Complaint narrative:
I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account XXXX you start from 2022 OR after the merger in XXXX. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from 2022 and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and XXXX  has failed to update ANY information as legally required under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX2023 at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account XXXX you start from 2022 OR after the merger in 2023. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from XXXX and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and XXXX  has failed to update ANY information as legally required under FCRA.

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 2024-08-28 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: AZ

Complaint narrative:
On XX/XX/24 I sent XXXX, Equifax, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
On XX/XX/24 I sent Experian, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to formally lodge a complaint against Bank of America regarding the abrupt closure of my credit card account and the discriminatory actions taken against me in relation to my valid immigration status. 

On XXXX XXXX, 2024, Bank of America closed my credit card account without any prior notice or justifiable reason. Prior to this, both my credit card and checking accounts were restricted ion XXXX XXXX 2024, preventing me from accessing my funds. I had provided Bank of America with a valid XXXX XXXX legal immigration document, which clearly establishes my legal residence in the United States . Despite this, the bank refused to accept my documentation and continued to deny me access to my accounts. At this point, they only would accept a valid Driver License. My driver license was valid until XXXX XXXX 2024 and I was in the process of renewal. 
My account was restricted before the expiration of my valid driver license. While I was in the process of obtaining a new driver license from the XXXX  XXXX, Bank of America took the drastic step of closing my credit card account without issuing any notice or warning on XXXX XXXX, 2024. The only correspondence I received was a letter dated XXXX XXXX, 2024, which I received on XXXX XXXX, 2024, nearly a month after the expiration of my old driver license and one day after the closure of my credit card account. In this letter Bank of America requested documents for proof of legal residence. I never received any other letters from this institution in XXXX  or XXXX  2024.

This series of actions
by Bank of America has had a severe and detrimental impact on my credit score, which resulted in my inability to secure a favorable mortgage for a house I intended to buy. This situation has caused significant financial distress and further harm to my financial well-being. I strongly believe that I have been discriminated against by Bank of America due to my nationality, despite providing valid and lawful immigration documents. 

The actions taken by Bank of America are not only unjust but also reflect a serious violation of my rights as a consumer. I request that the CFPB investigate this matter promptly and take the necessary actions to address this discriminatory and harmful behavior by Bank of America. 

I look forward to your prompt attention to this serious issue and hope for a resolution that rectifies the harm caused to my financial standing and personal well-being. 

Thank you for your attention to this 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 monetary relief
Consumer complaint received 2024-08-28 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: Chime Financial Inc
State: CA

Complaint narrative:
Basically there was an unauthorized transaction with the company named XXXX. The transaction was on XXXX and Chime was informed of this issue and I even tried to get ahold of XXXX  over the phone for the amount of XXXX. Originally Chime issued the credit investigation stage and then they reversed with no proof of evidence or anything to support their decision. I even sent proof of me trying to get in contact with XXXX  and no answer back from them. This transaction isn't valid and fraud and the fdic should protect us from these type of transactions without real answers or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Received a call today from Chase in XXXX  that someone is applying for a Chase Freedom card in my name, they had the last XXXX numbers of my social security number and home address. 

I did not apply for anything in XXXX  or anywhere else I live in XXXX, The so called customer service rep gave me a claim XXXX XXXX and said he was transferring the call to the CFPB, I hung up and went online myself. 

My wife had the same type of call last week from XXXX, XXXX  and she also filed a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

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 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 2024-08-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
It is astonishing how bad financial services can be. Businesses like American Express can do whatever they want, profit from it, and customers are left with absolute zero protection. 

I have an American Express digital prepaid card that can only be used online ( digital, not physical card ). 

I tried to use at XXXX XXXX XXXX XXXX to purchase entrance tickets. Transaction denied. Tried again, transaction denied. 

I was forced to use another card to pay for it ( it was accepted immediately ). 

I called American Express customer service. First, they don't really offer an option to talk to someone. I had to pretend I wanted to purchase a new card to reach an agent. The agent that answered, named XXXX, was horrendous. He was unfriendly, confusing, was arguing with me, asked me to spell my whole name even though I gave him full card number, and at the end said it was declined due to safety reasons. He said I can try to use somewhere else online. 

Safety reasons? I tried to use it online in a well known place ( XXXX XXXX XXXX XXXX ). It is absurd to decline this transaction. 
There was no way to ask them to allow me to process the transaction again. 

I deeply regret purchasing an American Express card. 

Not only that, it saddens me to see this kind of service being accepted by regulators.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Once this hit my account I called. They said I owed money for appliances. They acknowledged the appliances were not actually delivered. Its an address I did not even live at. The company said they would remove it. I believe it was an appliance store out of New York. I thought it was handled but I got a collection. I disputed it through XXXX and it was removed. Now I have another collection agency hitting my report saying I owe these funds. 

The account is with a Jefferson Capitol? 
XXXX XXXX XXXX XXXX. XXXX, MN XXXX Account XXXX XXXX {$1500.00} Credit dispute case with XXXX XXXX The company has no documentation for a credit line authorized by me. 

They have no proof of any merchandise being received by me. 

They are supposedly out of New York? 

I did have XXXX fraud accounts opened when I sold my house at XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX with XXXX XXXX  which I called and had fixed and another with XXXX XXXX. 

I have always lived in Ohio. 

At the date of this collection XX/XX/2024 my address and property I own is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
After carefully reviewing my latest credit report, I've found multiple fraudulent accounts that appear to have been added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: PA

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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