vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number 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 2023-12-11 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: MO

Complaint narrative:
I disputed this XXXX  XXXX  with the credit bureau and they are reporting inaccurate information on my credit report. Attached to this complaint I have circled a couple of the errors that I noticed. I dont understand how the furnisher can report different information about the same account. The credit bureau and the furnisher failed to do a reasonable investigation. Please be aware that the account doesnt have the same information across the board which are factual inaccuracies. The account in question is reporting inaccurately. I have been denied credit cant get a good deal on a house because of this I have been stressed and had many 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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
AAFES received an application for credit in my name. They attempted to verify my identity with me due to a credit alert I have with the credit bureaus but they were unable to verify. The application is showing on my credit as a hard pull however it was not me applying for an AAFES card or 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 explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. Equifax has neglected to correct my information shared with the public

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX : XXXX REPORT # XXXX Date updated XX/XX/23 Date : XX/XX/23 Experian XXXX XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you comply. 
I received the updated Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

Your were supposed to provide me the results of this reinvestigation requested within 5 business days, but you didnt as a result this item must be remove. 
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by email. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 20 days and you failed to comply. 

XXXX XXXX 30 days payment late Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, 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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
After attempting to resolve disputes with merchants several disputes were in fact misconducted. I have contacted Dispute billingdisputes and reviewed the below cases providing proof and review on how the disputes were not handled correctly causing thedisputes to be mishandled. Below is a summary of the XXXX disputes that were mishandled. XXXX. CASE XXXX XXXX XXXX XXXXAmount {$200.00}. The fact I was charged 2x for this transaction has been neglected. No Merchant response as well as the letter sent. XXXX XXXX XXXX XXXX {$110.00}. The wrong shoe was returned to XXXX and no credit was issued. This case was not processed as a return was shipped back and mishandled. XXXX XXXX record provided and no response from merchant. XXXX. XXXX XXXX XXXX {$350.00}. This merchant did not render the service. After several emails merchant responded with " the money has been charged back from there account '' Discover reversed the merchant charge back to me. The merchant has not responded for several months. XXXX. CASE XXXX XXXX XXXX XXXX XXXX. This merchant did not complete the assessment prior to pre operation causing to have another pre operation scheduled. In addition there were scheduling and financial issues causing credit reporting and negative score as a result. This merchant charge is not valid since they did not to there job properly. XXXX. CASE XXXX XXXX XXXX XXXX {$97.00} This merchant failed to disclose additional charges prior to rendering service. Merchants 3rd party response is not valid since the specific issue has been neglected. 

As you can see from the facts these cases were not assessed and handled accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Was paying off an auto loan with " TRUIST BANK '' on XX/XX/XXXX, I overnighted via XXXX  XXXX a cashiers check for the payoff amount. 
I was advised the lender requires 2-3 days to process. I can not sell the vehicle, bcse the lender has not released title. its been over 10 days. Every time I call, I am told something different. every promise is broken. I was promised a letter by close of business last Friday showing the account paid in full. Today they advised this letter requires 15 days from request. IE : info changes per each call.. 

after 5 phone calls, 6-7 hrs of my time, I still dont have an answer - other than " weve sent the message to our back office '' completely unacceptable for a consumer to be treated like this. 

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 2023-12-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the enclosed documents. Commence an inquiry into these accounts, as I am consistently punctual, yet they are inaccurately marked as late.

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 2023-12-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I already have a Chase Quest credit card which I applied for many years ago. They recently sent me a Chase Sapphire Preferred card, telling me I was pre-approved when I never applied for it. I never activated the card and threw away the letter. 

A few weeks later I noticed that the card had been activated and was listed in my Chase app with a {$95.00} fee. I called them immediately and asked them to close the card, telling them I never applied for it or activated the card they sent me. They closed the card immediately and told me this was fraud. They also asked me to call XXXX to report the fraud. I contacted XXXX who then tried to sell me their products, but I just reported the card as it seems to have damaged my credit rating. 

I dont believe this was external fraud as how would someone outside the bank know that they had sent me a pre-approved card? There were also no charges to the card other than the {$95.00} fee. Why would a fraudster open a card and then spend no money on it for several weeks? This makes me believe that it was Chase who just opened a new card on my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: TX

Complaint narrative:
There are 2 accounts from Dept of Ed/Nelnet XXXX XXXX my name on XX/XX/2023. XXXX for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX  from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted XXXX and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the XXXX XXXX XXXX Nelnet XXXX I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX can provide whatever is needed along with picture ID. I am 100 % sure that the XXXX XXXX XXXX/Nelnet can not provide my same information. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: MO

Complaint narrative:
I disputed this XXXX account with the credit bureau and they are reporting inaccurate information on my credit report. Attached to this complaint I have circled a couple of the errors that I noticed. I dont understand how the furnisher can report different information about the same account. The credit bureau and the furnisher failed to do a reasonable investigation. Please be aware that the account doesnt have the same information across the board which are factual inaccuracies. The account in question is reporting inaccurately. I have been denied credit cant get a good deal on a house because of this I have been stressed and had many sleepless nights and doctors visits due to stress and XXXX  causing me mental damage.

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 2023-12-11 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-11 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-12-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, Citibank sent a letter to me indicating denial of a preapproved double cash mastercard application due to a filing of XXXX 
The one and only XXXX involving myself occurred in XX/XX/XXXX. Citibank was on the list of write offs at that time in the amount of {$1900.00}. 
They also indicated a " history '' of late payments, which is an outright lie. They claim one late payment in XX/XX/XXXX. Which I dispute as I have never, ever been late 30 days.

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 2023-12-11 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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:
Examine the attached documents. Initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I purchased an outdoor cleaning product thru XXXX back in XX/XX/. On XX/XX/XXXX the company provided information to XXXX who passed it on to the consumers of a health and safety hazard with the spray handle from the US Consumer Product Safety Committee. I contacted Avant on XX/XX/XXXX and requested for them to refund the purchase for this product due to this product issue and they refused to do so stating it was past the 60 day deadline. I repeated myself and told them that an exemption should be made since it was for a product that was found unsafe to use. The amount for approximately {$70.00} which is not a small amount for this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-12-11 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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