vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am rewriting to complaint to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX XXXX. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-02-21 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: IL

Complaint narrative:
I have several inquiries on my TransUnion credit profile that are incorrect. Ive tried several times and have also submitted paperwork to TransUnion several times for them to remove these inquiries from my credit profile. Ive also previously submitted a complaint with CFPB in regards to the negligence of TransUnion and other credit reporting agencies. Ive given them numerous amount of time to handle and correct these errors and they still have not corrected them. Ive informed TransUnion several times I never authorized my credit to be ran by any of these credit companies. Also, that Im not familiar with the times date and companies that ran my credit.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I filled out an online application for an Amex Business Credit Card using my business XXXX number as required. The form also required my personal SSN for identity verification only. However, I was surprised to receive a hard inquiry notification on my personal credit report on XX/XX/XXXX while my application was still pending approval and needed additional business information as per Amex 's email. I immediately called Amex on XX/XX/XXXX and spoke with XXXX, who assured me that a hard inquiry should not appear on my personal credit report since my application was not yet approved and that it should reflect as a soft inquiry upon approval. Despite my concerns, XXXX kept insisting that I allow her to process my application for approval, but I refused. I requested to speak with a supervisor and was connected to XXXX, who mentioned congrats on my Business card approval with XXXX. I informed her that I did not XXXX her the consent to process my application further. XXXX apologized for XXXX 's behavior and acknowledged that the hard inquiry should have been a soft one. ( Please note that a soft inquiry from Amex was also posted on my personal credit report on XX/XX/XXXX ). XXXX promised to contact XXXX and have the hard inquiry removed from my personal credit report. She also advised me to consider leaving the unauthorized Amex XXXX XXXX approved, as closing it would negatively impact my XXXX XXXX and she does not want to overwhelm me. However, I insisted on closing the card as the approval was clearly without my consent, and as a consumer, I was starting to feel very uncomfortable with the unorthodox behaviour from Amex. XXXX provided me with a reference number and assured that these situations would be communicated to XXXX and that the unauthorized hard inquiry would be removed from my personal credit report. I was then connected to another agent, XXXX, who closed the unauthorized Amex Business Credit and informed me that the card had already been shipped today, but that I should dispose of it upon receipt. Unfortunately, Amex did not reach out to XXXX as promised, and XXXX from XXXX informed me that they can not remove the hard inquiry from my personal credit report unless they hear from Amex. As a consumer, I feel that my rights have been disregarded by Amex 's fraudulent and cunning behavior. Please, I urge you to help me set this right and protect consumers like myself. It is unfair that I have an unauthorized hard inquiry on my personal credit report and I would like it removed. Amex needs to be accountable and in check to better protect us as consumers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and associates are CANCELED DEBTS, that I have received copy b of my XXXX form.

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 2024-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank is sending me stupid and illogical messages via a portal that costs me time to repeatedly gain access to. They also aren't responding to our emails to demand XXXX links.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just looked at my reporting and I saw that I have a late payment on XX/XX/XXXX and XX/XX/XXXX. However, they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem in XXXX but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This is a violation of my federal right. Can you help with this matter? 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was the victim of fraud but the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing Bank of America, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.

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 2024-02-21 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: DISCOVER BANK
State: PA

Complaint narrative:
on XX/XX/XXXX I ordered a glass panel from XXXX XXXX XXXX  for {$190.00} on XX/XX/XXXX That order was delivered by XXXX in a broken state to a neighboring house on XX/XX/XXXX I emailed the the third-party support team for XXXX XXXX XXXX XXXX provided photos and subsequently went through several weeks of back and forth waiting for the support service to get confirmation from XXXX XXXX XXXX  to issue the refund. This resolution never occurred and no alternate resolution path was provided. 
on XX/XX/XXXX I issued a chargeback request with Discover, my credit card provider. 
on XX/XX/XXXX Discover sent an email stating they found the dispute in my favor on XX/XX/XXXX Discover sent an email stating they were happy to let me know that they are continuing the investigation. 
on XX/XX/XXXX I received an email from Discover saying a secure message needs my attention. That message stated that the investigation was closed in favor of the merchant and that my chargeback was reversed. 
on XX/XX/XXXX or thereabouts, I provided email and photo evidence to Discover that demonstrated the merchant had not attempted a resolution and was ignoring the requests from their support team. 
on XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX with the BBB. Within one day of the complaint posting, XXXX XXXX XXXX had responded stating that they issued an XXXX. That XXXX was never sent with regard to the broken item but was a prior response in a request to cancel the order. 
on XX/XX/XXXX I called Discover and the woman from the dispute center said she would escalate the reevaluation of this case. 
on XX/XX/XXXX I reached out to Discover over their online support messaging system and was repeatedly told they would not do anything else to resolve this without a document from the merchant stating that a refund was due. They confirmed that receiving broken merchandise qualifies as a service quality issue that is covered by their dispute resolution process but that their agreement only guarantees they will investigate and not that they will find in favor of the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted comprehensive documentation, including the FTC Identity Theft Report, Police Report, and a Statement with clear identifiers. These documents outlined that the XXXX XXXX XXXX account, opened on XX/XX/XXXX, with the account number XXXX, was not initiated by me but by someone else through Identity Theft. Despite compelling evidence provided by the XXXX XXXX Police Department confirming the fraudulent nature of the account, Transunion, XXXX, and XXXX have refused to remove it from my records. XXXX has already taken appropriate action by eliminating the account due to Identity Theft. 

Transunion and XXXX failed to furnish any evidence indicating my involvement in opening the account or justification for retaining it on my record. On XX/XX/XXXX, I supplemented my claim of identity theft with further evidence, including a signed document from an in-patient facility, demonstrating my incapacity to engage in any financial transactions, such as securing a car loan, during the period when the fraudulent activity occurred. Despite this, XXXX persisted in its refusal to remove the account, providing no substantive rationale. I am including a completion letter from the facility attesting to my confinement during that time, along with the police report and XXXX affidavit. 

In response to XXXX 's communication on XX/XX/XXXX, asserting the conclusion of their investigation into my identity theft claim, I maintain that their decision is erroneous. They have failed to present convincing evidence or transactions validating my involvement in the procurement of the vehicle. Their continued reluctance to remove the account and inability to provide accurate proof of my presence during the purchase necessitates my pursuit of legal action if prompt resolution is not achieved by expunging this account from my credit reports.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted comprehensive documentation, including the FTC Identity Theft Report, Police Report, and a Statement with clear identifiers. These documents outlined that the XXXXXXXX XXXX XXXX account, opened on XX/XX/XXXX, with the account number XXXX, was not initiated by me but by someone else through Identity Theft. Despite compelling evidence provided by the XXXX XXXX Police Department confirming the fraudulent nature of the account, XXXX, Experian, and XXXX have refused to remove it from my records. XXXX has already taken appropriate action by eliminating the account due to Identity Theft. 

XXXX and Experian failed to furnish any evidence indicating my involvement in opening the account or justification for retaining it on my record. On XX/XX/XXXX, I supplemented my claim of identity theft with further evidence, including a signed document from an in-patient facility, demonstrating my incapacity to engage in any financial transactions, such as securing a car loan, during the period when the fraudulent activity occurred. Despite this, XXXX persisted in its refusal to remove the account, providing no substantive rationale. I am including a completion letter from the facility attesting to my confinement during that time, along with the police report and XXXX affidavit. 

In response to XXXX 's communication on XX/XX/XXXX, asserting the conclusion of their investigation into my identity theft claim, I maintain that their decision is erroneous. They have failed to present convincing evidence or transactions validating my involvement in the procurement of the vehicle. Their continued reluctance to remove the account and inability to provide accurate proof of my presence during the purchase necessitates my pursuit of legal action if prompt resolution is not achieved by expunging this account from my credit reports.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
ON XX/XX/2024 WE OVERPAID OUT MORTGAGE BY {$3100.00} ( XXXX PAYMENTS ) WE CONTACTED THEM ABOUT THIS ISSUE ON XX/XX/XXXX THEY REQUESTED A COPY OF THE DOUBLE PAYMENTS FROM OUT BANK TO BE SENT TO THEIR EMAIL, WE SENT IT AND THEY SAID XXXX BUSINESS DAY, THE DAYS CANE AND WENT WE THEN CONTACTED THEM ON XXXX XXXX AND THEY SAID IT WOULD BE XXXX MORE DAYS, CONTACTED THEM AGAIN ON XX/XX/XXXX THAT XXXX BUSINESS DAY AND WAS TOLD THEY WOULD PUT A CHECK IN THE REGULAR MAIL WHAT???? NO TRACKING NUMBER NOTHING IF IT GOT LOST WE WOULD HAVE TO WAIT UNTIL XXXX WEEKS TO CORRECT THAT ISSUE. 

I TOLD THEM I WOULD LIKE TO GET IT BACK VIA BANK TRANSFER THE WAY WE PAY THEM, THEY THEN SAID WE NEED THE ACCOUNT AND ROUTING NUMBER WHICH WE SENT AT THE GET GO.. SO WE ARE BACK IN A CIRCLE WHICH I FEEL THE ARE GIVING US THE RUN AROUND WITH OUR MONEY THAT WE NEED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
please see attached file

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