vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries from my credit report due to my status as a victim of a data breach and identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
Below are the details of the fraudulent accounts that I am requesting to be removed : XXXX Accounts XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$65.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$280.00} XXXX. XXXX/XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o XXXX XXXX : {$260.00} XXXX. XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} Unauthorized Inquiries Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2024-11-27 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-11-26 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: MS

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Last week I had sent money through XXXX to my son, and transferred the rest of my XXXX check to my citibank. I later realized that I got an email saying XXXX  was un-enrolled, and then my account was unable to be accessed. After calling, the person on the phone told me that their was nothing he can do, and that I had to call XXXX. Today, I learn that my account was permanently closed, but that their was nothing they can do besides wait for a letter. 

When I initiated the transaction for the rest of my XXXX check, it was the majority of the money I had for the rest off the month in order to pay off a fee bills for my mortgage. However, this was the same day my account was restricted, so I told citibank XXXX  on that day that I will follow all the steps required, but that check was my XXXX check, please cancel the request because if I can not access your guys bank, I can not access the money. The representative confirmed with me that THEY WILL NOT go through with the transfer, and that it will bounce, THEY TOLD ME that nothing will happen with that transfer. Come to see that they over-drafted my bank the full amount of the transfer leading it to be negative and have a fee. I contacted them today, letting them know I am permanently XXXX so I can not visit a branch, I can not even walk, and that it my social security money. They said their is nothing they can do, even though they lied to me and said this transfer would not go through, in order to just hold the money for themselves. I provided below proof of the phone calls, my XXXX, how this is my XXXXXXXX XXXX check that they are putting on hold and not letting me access. Lastly, I would like to note the only reason that my bank account is negative is because I XXXX XXXX  to my son from my XXXX XXXX  AFTER the rep confirmed that money will not be taken, not before, as the time stamps from the phone calls I will provide show. I let them know that I am permanently XXXX to, and physically can not leave my room, let alone walk to a branch that they told me to do, I am to sick to travel out of state to another branch. I added my hospital records showing I am XXXX, because even though they took the money after stating they wont, the representative told me the only way to now access my social security money, is to go to a branch. That hospital record shows I can not, as I can not even leave from my bed most times without assistance.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Treated in a discriminatory and disrespected manner at CHASE at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding my accounts CHASE BRANCH : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Today, XXXX, XX/XX/year>, I requested a call from the CHASE Bank XXXX XXXX. I tried calling that branch at XXXX but was transferred to the call center. I spoke to a XXXX by the name of XXXX. He took my complaint and sent an email to her, XXXX XXXX regarding the grievances I experienced at her branch regarding being called inappropriate names and treated like a suspect, He gave me the reference number : XXXX XXXX XXXX I came into the CHASE branch today as XXXX, XX/XX/XXXX around XXXX on XXXX XXXX to update my appointment for tomorrow and hopefully speak with the Bank XXXX XXXX XXXX 

But she wasnt in. So, I went up to the front counter. XXXX assisted me, but she was down right accusatory towards. XXXX accused me of lying about having an appointment tomorrow. 








See attached email confirmation I received regarding my appointment and screenshots as well. But XXXX still implied I was being dishonest about that and demanded that she see my ID to update it. She wanted to take a picture of my ID. 

Why would she need to do that? Is that a part of CHASE policy? 

In addition, XXXX and another banker were badmouthing me behind the counter. They were also making fun of the way I was talking I have a speech impairment and its part of my XXXX. 

I was treated as a suspect today. The female staff in the lobby refused to address my concerns. She has always been rude and dismissive towards me. 

I was beyond disrespected today. They said that I had no right to complain. XXXX XXXX and came by the bus and I was denied services and accused of being dishonest. Plus, the staff was making fun of me behind the counter regarding my XXXX and badmouthing me overall. 

In addition, on XX/XX/year> around XXXX pm, XXXX, the female CHASE rep at the branch called me XXXX and XXXX never addressed it. Every time I asked to speak with XXXX, staff refused to pass on my concerns to her. 

I also feel that the staff is frustrated by the way I speak to due to my speech impairment. But today I was treated like a suspect. I'm XXXX and came by the bus. I left in tears. I also was bullied and intimidated by XXXX as well. 

See attached email I sent that XXXX XXXX XXXX XXXX XXXX XXXX See attached bank receipt dated XX/XX/year>. Thats the day that XXXX called me XXXX and XXXX refused to address it. 

I was denied services regarding my XXXX  and XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am submitting a formal complaint about an inaccurately reported late payment by JPMCB Auto. This payment was made on time, yet it is being falsely reported as late, unfairly damaging my credit score and creating unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX information XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Amount XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX. Vertification of debt and written statement of debt including the orginsl creditor name and contact number XXXX. Proof of oenership i requested that your agent has the legal autgority to collect this debt including a copy of the assignment or purchase agreement from the orginal creditor XXXX. Full acciunting history including all statements and transations relating to this debt. 
XXXX payments received relatedto the accouny XXXX. Any/all notification regarding debt XXXX. Provide any/ALL NOTIFICATIONS relating to a signef copy of agreement/contracts that demonstrate my obligations to pay this debt XXXX of your licensr and registrations requirements as required by relevant state and federal law R

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. As a victim of a data breach, I believe these accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I request the immediate removal of the accounts listed below 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 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 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 non-monetary relief
Consumer complaint received 2024-11-26 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: MS

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud 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 2024-11-27 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
. My vehicle was repossessed ; however, I did not receive any notice or correspondence regarding the repossession. Despite this, a balance is now showing on my credit report. I kindly request verification to ensure all information reported is accurate and that proper protocols were followed in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
This afternoon, I discovered unauthorized inquiries on my credit report, which left me baffled. I routinely check my report, but this time, discrepancies appeared without warning. I even refreshed my browser, thinking it might be a glitch, but the issue persisted. Im deeply frustrated and need the documents I provided to be reviewed immediately so I can stop worrying about this problem.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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