vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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 non-monetary relief
Consumer complaint received 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing my credit report and noticed that some accounts XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX report were breaking the law and violating my rights law FCRA section 605B states That it is illegal to it is illegal to furnish information on my credit profile without my permission Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. y rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely

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 2024-07-17 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: DE

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XX/XX/XXXX and XXXX, I received two chase business credit cards under my business which I own ( single member LLC ). 

After one week, both credit cards were locked. When I called to ask why, the chase representative mentioned that my application was suspected as fraud. In order to unlock the accounts, I was asked to verify my identity. They were unable to do so over the phone. 

The following day, I went to into a chase branch and explained what happen. They were excellent with their customer service and apologized for the inconvenience. They verified me in the branch and my cards were re-opened. 

Just three days later, the cards were locked again. This time, Chase actually closed the account. When I called in, they asked me a few questions regarding my account ( all of which I answered ). They mentioned I needed to file an appeal in 30 days to get the cards re-opened. The 30 day mark was on XX/XX/year>. I called again and they could not open the cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX allowed 58 inquiries for fraudulent car purchase despite fraud alert on acct Equifax allowed 82 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 65 inquiries for fraudulent car purchase despite fraud alert on acct I called all 3 bureaus and asked they be immediately removed and filed a FTC report as well and nothing yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these unauthorized and fraudulent inquiries on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these unauthorized and fraudulent inquiries and for assistance to remove them from my credit report immediately. They are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-17 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: TX

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these unauthorized and fraudulent inquiries on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these unauthorized and fraudulent inquiries and for assistance to remove them from my credit report immediately. They are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to file a complaint against XXXX  XXXX regarding a recent issue with my credit card account. 

I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the XXXX XXXX website, but I was reported late to the credit bureaus. 

This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.

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 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Yes I made a purchase in XXXX I believe on my credit card and before I made the order of about ( XXXX Dollars I already had a balance of ( XXXX left but I also made a payment on the XXXX balance the same time I purchased the items for ( XXXX that payment should had been less after I paid that note ) so the main issue is I made payments each month thereafter which my balances all together was ( XXXX. And something after made the last purchase of ( XXXX dollars ) and I been paying on this bill since I made the last order of XXXX dollars plus the remaining XXXX since about XXXX And XXXX of ( the year XXXX and it's now the year XXXX of XX/XX/XXXX ) this company ( kohls and the bank they use has not been applying my payments I pay honestly I pay good ) I have been with kohls department store since Sometimes in ( XXXX and never had a problem till now ) these people 's along with kohls is recharging me the same amount I have already sent payment 's on for months. I always paid them in the right manner and on times also they have been charging me ( XXXX interest fees each month ) never informed me about a interest fee so high or insane criminal illegally doing 's. I I asked them for all my statements and payments too them and I told them they have been laundering my payments and stealing my payments not applying them to my debit and account so they could recharge me all over again. I ask you all to file a aburiration or law sue against kohls and the bank that process my our payment 's each month the bank name they have been using is called Capital One Bank. How can you be a bank and not apply my people 's credit card payments that illegal thief and criminal and definitely fraudulent business practices stone illegal. And then charge the payee of their credit card account 's over from the start but I have payed them each month every month since like I said ( XXXX too this is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has an inaccuract that isn't assured to be the maximum possible accuracy. This error are really weighing on me and is continuing to affect me negatively in ways you can not is to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report, and noticed several inaccuracies reporting on my credit report. These negative remarks are detrimental to my life and credit health.

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 2024-07-17 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report. Specifically, I have noticed a discrepancy between the balances reported by XXXX XXXX and TransUnion for the same account. 

According to my XXXX credit report, the balance is {$0.00} as of XX/XX/XXXX. However, my XXXX credit report shows a balance of {$110000.00} as of XX/XX/XXXX. Furthermore, according to TransUnion credit report show a balance of {$110000.00} and a report date of XX/XX/XXXX. These conflicting balances for the same account indicate an error that needs to be addressed and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, Congress has articulated the purpose of the act, which includes ensuring the accuracy and fairness of credit reporting. As stated in the congressional findings and statement of purpose : Congressional Findings ( 15 U.S. Code 1681 ( a ) ) : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Statement of Purpose ( 15 U.S. Code 1681 ( b ) ) : " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' In light of these findings, I request that an immediate investigation be conducted to reconcile the discrepancy between the three reports. I also request that my credit reports be updated to reflect accurate information. Enclosed are copies of both credit reports highlighting the 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 2024-07-17 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: FL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing my credit report and noticed that some accounts XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX report were breaking the law and violating my rights law FCRA section 605B states That it is illegal to it is illegal to furnish information on my credit profile without my permission Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. y rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: OH

Complaint narrative:
I was reviewing my credit report and noticed that some accounts XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX report were breaking the law and violating my rights law FCRA section 605B states That it is illegal to it is illegal to furnish information on my credit profile without my permission Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. y rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely

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 2024-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
Traded in a vehicle and bought a vehicle from the dealer on XX/XX/year>. I attempted to make contact with the dealer during the week to get confirmation that the loan on my vehicle I traded in was paid off. Nobody responded. On XX/XX/year> I went in person to speak with XXXX XXXX, a manager, and XXXX, finance guy, to ask for their help in confirming payment had been made to payoff my trade in. They provided with general turnaround times. They couldnt issue me a check because its generated out of some accounting office not in the dealer. They did say a check would be issued the following week and my loan would be paid off. That has not happened and I called today, XX/XX/year> and spoke with a gentleman named XXXX, a manager, who would look into it. Gave me the same response on general turnaround times to pay off my loan but extended that to, it could take up to 30 days. That as long as my payment wasnt 30 days late, it wouldnt go on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: DE

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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