vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX my mother and I entered the Chase Branch to just cash a check and get a couple of certified checks. The check is a life insurance benefit check that I receive from the insurance company due to my dads death. I was the beneficiary. The plan was to cash the check since it was drawn on Chase, but they were unable to just cash it because the amount. I was splitting it with my mom and little brother. To help my mom get caught up on bills, and with my brother because I know my dad didnt intentionally leave my brother out of an inheritance. He always wanted to make sure that we were okay. Nobody knows the time or day and we definitely didnt expect to be without my dad this soon in life but he did something to make sure that we were okay in the event that something happened to him and now those funds are unjustly being held. They couldnt cash the check due to the amount. At the assistant managers direction, she told me to sign the check over to my mom and for us to deposit it into my moms Chase account, which we did. This is the banks manager, we didnt think twice about it, because the manager is trying to find the best solution and knows how things operate. We were told about a standard hold which we were okay with. My moms account was flagged for fraud due to the check being signed over. Fraud is far from the case, no ill will or bad intentions. My mom was told about the verification process so we got a phone in my name to try to comply and get the situation resolved. I just recently turned XXXX, I have no credit or anything. I was supposed to get my first car with that money and invest in my future. The manager called the department or back office on our behalf stating that we we were directed by her to deposit the check. She sent an escalation stating the same thing and explaining the situation. My mom have been making a lot of calls as well. We lost my dad on XXXX XXXX  of all days, time does not heal or make it easier, we are still grieving and distraught over losing him and now we are in a battle for the insurance inheritance check and we did absolutely nothing wrong. The check cleared fairly quickly, Im assuming because it is the same bank. My mom has sent over documents, took documents in the branch, branch managers have called on our behalf. This isnt right on so many levels. It is causing emotional and financial distress. They cant verify my phone number or me in their system but we have provided proof. I am fresh into XXXX  so any type of verification other than in person with valid identification probably wont work right now. When they first flagged my moms account the insurance company offered to stop payment but the check had already cleared. We just need someone to really help get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The late payments are not reflective of my normal payment record.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear CFPB Representative, I am writing to file a complaint regarding inaccuracies on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies, the incorrect information persists, and I am seeking your assistance in rectifying these errors.

I have identified the following inaccuracies on my credit report : Incorrect Name ( s ) : Name ID # XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX Incorrect Address ( es ) : Address ID # XXXX Incorrect Phone Number ( s ) : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX Incorrect Employers : XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Specifically : FCRA Section 1681i : This section mandates that consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency must investigate and correct or delete the information if it is found to be inaccurate.

FCRA Section 1681e ( b ) : This section requires that credit reporting agencies follow reasonable procedures to ensure the accuracy and integrity of the information they 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 2024-09-08 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: NV

Complaint narrative:
The late payments do not align with my usual payment pattern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: NCB Management Services Inc.
State: TN

Complaint narrative:
I am not liable for this debt of {$9300.00} with NCB MANAGEMENT SERVICESXXXX  I do not have a contract with NCB MANAGEMENT SERVICES, they did not provide me with the original contract as I requested with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: CT

Complaint narrative:
I reached out to Experian on XXXX XXXX to remove the hard inquiries off my credit report but they were fraudulent they told me they were unable to help me

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 2024-09-08 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: NV

Complaint narrative:
These late payments are inconsistent with my typical payment behavior.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I noticed an unfamiliar account on my credit report that isn't mine. I believe this might be due to identity theft or 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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There is an account on my credit report that I do not own, and I suspect identity theft or fraud may be involved.

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 2024-09-08 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: WI

Complaint narrative:
Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report. is the result of that trafficking. Collection : XXXX XXXX XXXX {$5100.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, 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 2024-09-08 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:
I XXXX XXXX XXXX. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I am writing to have the following information removed from my report. I have listed all accounts and addresses that appear inaccurate and were not authorized by me in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I URGENTLY request to Please delete the items as soon as possible.

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 2024-09-08 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: NM

Complaint narrative:
I keep asking for my wet signature and all proof that goes with it. Also I have had my credit frozen off and on for the last four years because someone has been trying to use my name. Some how the freeze keeps getting turned off. 
Someone made an account in my name for trans union, so XXXX cant even get into that one to see what is on there. 
XXXX had all kinds of names on there that werent even my names. Also addresses that I hadnt even seen before.

Not any of the sites are the same. They look horrible!! I have tried to dispute but nothing gets done.

This cant be legal, to be putting false information out there. I dont believe they are able to share wrong information. Which all of them are doing. I have reported repeatedly that my identity had been stolen, and My name has been in the XXXX XXXX XXXX Data breach, XXXX  data breach, XXXX  XXXX XXXX data breach. My account is high risk and has been that way for quite some time. They were informed of all of it. Dispute after dispute and nothing was done

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 2024-09-08 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 reached out to XXXX XXXX XXXX to try to obtain information and let them know that this account was fraudulently opened with my information. They refused to discuss with me since I did not have account information. I filed a dispute with all the credit bureaus and they refused to remove, even though per the information I have this account was registered to a XXXX  location in a state and location that is over XXXX miles from where I live. 

My credit score has decreased by over XXXX XXXX  because of this, and everyone has refused to help me. 

The first time I filed a dispute, it was removed. However, XXXX XXXX XXXX must have sold the debt to another collection agency, and this agency re-filed against my credit. XXXX XXXX XXXX refuses to help rectify this issue.

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 2024-09-08 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Around XX/XX/XXXX, my XXXXXXXX XXXX was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: MD

Complaint narrative:
These 9 accounts that are negatively reporting on my TRANSUNION credit report are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), it the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed intormation is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America placed a hard inquiry on my credit report of unknown origin and type on XXXX. Can not get through on the phones to attempt to discuss with BoA. Only thing I can think may have been confusion as I authorized XXXX to perform a Soft inquiry only for prequalification, not a hard inquiry.

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