vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: SC

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 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 2024-02-12 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-02-12 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-02-12 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: NC

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 2024-02-12 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: FL

Complaint narrative:
I have disputed the said account multiple times with XXXX. I have asked for proof of accuracy which I have yet to receive. Last correspondence I sent is attached below... 


I am writing to dispute the following information in my credit file : This item is inaccurate because Reported payments for XXXX XXXX XXXXXXXX payment for XX/XX/XXXX but reported vehicle in repossession in XXXX & XX/XX/XXXX But also reported last payment received XX/XX/XXXX on an account company reported as closed as of XXXX XXXX which is ALL INACCURATE DATES. As of XX/XX/XXXX, thru XX/XX/XXXX vehicle reported as XXXX. Then started reported in XXXX XXXX in Repossession after car had already been paid in full from collateral. Please investigate this matter and delete the disputed item as soon as possible. 



1. Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 

2. Problem with the Account : This account is inaccurate/ Being reported inaccurate. 

3. Reasons for the Problem : Paid off / Payment summary / close date / payment reporting inaccurate / 4.Requested Outcome : I am requesting this item be removed 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 non-monetary relief
Consumer complaint received 2024-02-12 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: NC

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 2024-02-12 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, my company XXXX XXXX sent a payment of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for my tourists. The payment was made from XXXX XXXX, which was subject to international sanctions. We requested a payment tracker, which shows that the funds are in a XXXX XXXX JPMORGAN CHASE BANK , N.A . We contacted XXXX twice, but never received an answer. Help me find my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I have tried several times requesting documentation and for the creditor to stop changing my credit report constantly. I've disputed with the credit bureau with no success and here a previous time before. My rights have been violated and I want my report to be corrected and the false reporting to stop. It clearly violates the FCRA. This company goes from voluntarily to involuntary repossessions they have garnished wages without notice then they have a wage assignment that clearly is not lawful as it does not have our social security numbers on it as required by Illinois law and we don't even remember being signing it let alone it being explained to us. They say they resold the car for an amount of {$2500.00} when it sold a few times after that for {$7500.00} or more. We have never been giving a notice that they were going to sell it, where it was sold, and when we ask about documentation for the deficiency they just write whatever they want or type it out on a paper with nothing to back it legally that they got {$2500.00} for it. They have put on our credit report that it was repossessed in XXXX of XXXX then again they put it on there in XXXX of XXXX. They've done a hard inquiry on our credit report the month of XX/XX/XXXX for no apparent reason We have never applied for credit since with them. They have moved the terms from 44 months to 94 months They are constantly changing things on the credit report and it needs to stop. I want this resolved immediately. Enough is enough and this needs to be looked at The paperwork I've turned in needs to be looked at etc It's not being looked at or it wouldn't be on my credit report like this. And besides the above problems.. this company completely ignored the governor of Illinois executive orders during COVID. Wages being garnished as well as a repossession because it was voluntarily repossessed but they've changed it back and forth on our reports so if they go with the repossessed they shouldn't have done that during that time because it was COVID and an executive order was in order by state of Illinois governor. I don't think it's right companies like this keep getting by with playing on people that have to use such car lots because of credit problems or because of income. They need to be held accountable. And turning off someone's car during COVID and for that person not to get to the doctor. As I said in a previous complaint CFPB took other car companies to court because of the same issue turning off cars keeping people from working or seeking medical attention. I hope this is the investigated to its fullest and the resolution of this matter is taken seriously and done properly

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 2024-02-12 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 non-monetary relief
Consumer complaint received 2024-02-12 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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

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 2024-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: AP

Complaint narrative:
I purchased a {$500.00} XXXX XXXX card from XXXX XXXX XXXX shopette. I immediately went to my car to call customer service because I wanted to check the balance and it was not displaying on the website on the back of the card. The first operator I spoke to said there was {$500.00} on the card and there was maintenance on the website. After about XXXX minutes I tried again and saw that XXXX purchases to XXXX XXXXXXXX were on there. XXXX charge was XXXX, and the other was XXXX. After seeing those charges I called the card company back and they told me they can close the card but check back after 14 days to dispute it. This is utterly embarrassing, as people do not deserve this! How did anyone get my card information?! Could it have been the customer service rep!? I just want me money back and someone to be accountable for this. I am a XXXX serving in XXXX XXXX and this is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-02-12 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-12 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: MD

Complaint narrative:
that it is I XXXX XXXX filing this complaint. 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 2024-02-12 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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally express my dissatisfaction and concern regarding the decision made by Citibank to deny my recent application for a credit card. The denial was based on the presence of a collection account on my credit report, which I must stress is not a reflection of my financial behavior or creditworthiness. This account is, in fact, the result of identity theft an issue that has plagued me and against which I have been diligently fighting to protect my financial integrity. 

It is disheartening to see that despite my efforts to rectify this situation, including the filing of disputes with credit reporting agencies and the provision of substantial documentation to prove my case, my application was still denied. I want to emphasize that the collection account in question does not belong to me. I have been a victim of identity theft, and the fraudulent activities conducted under my name should not be used as a basis to evaluate my creditworthiness. 

Furthermore, it is important to address the matter of the security ( application ) that I tendered to Citibank. It is my understanding that such securities are commonly traded by financial institutions and can be leveraged to generate profit. Despite the erroneous collection account, the value I offered through my application remains a viable asset that Citibank can capitalize on. Therefore, it is perplexing and unfair that my application was rejected on grounds that are not only incorrect but also overlook the potential financial benefit to Citibank. 

Enclosed with this letter, you will find a detailed report that outlines my situation, including evidence of my identity theft case and the steps I have taken to dispute the wrongful collection account. I kindly request that my application be re-evaluated in light of this new information, and that greater consideration be given to the fact that the negative mark on my credit report is the result of criminal activity, not financial irresponsibility on my part. 
I trust that Citibank values fairness and the importance of accurate information in making credit decisions. As such, I hope for a prompt review of my case and a favorable reconsideration of my credit card application. I am willing to provide any further information or documentation that may be required to facilitate this process.

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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My depost was held all I was told was that it need to clear payment but its over two years and still nothing has happened. Every time I call them I received the run around or told that they can not give me any more information yet I receive email notices of monthly statements and year end 1099 but I have no answers to been giving a reason on whats happening with my funds. My name is XXXX XXXX XXXX XXXX XX/XX/1978 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
A company by the name XXXX have been trying to collect a dept through collectors on my credit for the amount of {$230.00} that I have no knowledge of. These unfair practices is prohibited by the FDCPA. 
They furnished this account that we did NOT agree upon and did NOT sign an agreement. A legal contract is signed by two parties and I did NOT participate in any of it. They did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
OXXXX XXXX/2024. I received a call from Stenger, Stenger, pc. Phone number XXXX. I missed the call and I then return the call there was a female on the phone I asked her who was the original creditor she advised me she needed to verify who I was and I agreed I gave her my first and last name the spelling my address my phone number the last four of my social security number my date of birth .she refused to tell me who the original creditor was after several request she demanded to know my source of income and where I worked before she will reveal the creditor. I advised her I had no issues speaking with her I had given her all of my personal information not knowing who I had given it to very concerned I feel like she is breaking some type of law with this company not revealing who the creditor is after having all of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NC

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 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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am not able to dispute the charges on the chase credit card online, each time I try to dispute a charge online, it asks me to call the customer service, I can not call the customer service to dispute every single charge. I have attached the screenshot.

Company response to consumer: Closed with explanation