vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I Ms XXXX XXXX finally received a document from JP Chase Bank regarding why my request was denied for a Vista debit card I never had an account with JP Chase Bank on this document it mentioned my son XXXX XXXX my was disable I was his payee plus XXXX XXXX passed away in XXXX of 2020 this matter needs to be investigated I was assigned to a case number ( XXXX ) don't know if you need this case number have any questions please feel free to contact me thank you XXXX XXXX XXXX also I receive social security retirement benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/2023 the associates at IQ data international Inc called my daughter XXXX and started to threaten her with her credit if the balance was not paid off. 
I called the company back and spoke with XXXX XXXX- I tried to explain the situation to him and he kept talking over me and interrupting me as I was reading the letter we received from our previous apartment complex showing we did not owe the {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
n 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

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 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On Sunday morning XX/XX/XXXX, i did a {$75.00} cash app transaction ; however I noticed cash app took the directly from my bank ( XXXX XXXX XXXX XXXX XXXX ). On Monday morning I XXXX  cash app support and called XXXX XXXX for support and spoke with a man named XXXX XXXX he then asked me to login to XXXX and if I knew someone who uses cash app to make 3 transactions ( {$780.00}, {$780.00}, {$790.00} ) and the money would be returned to my account asap! he said he needed to check cash app transmission to ensure it was working properly. After completing the transaction I said ok return my money ; he started stammering for words, he needed to check the cash app system and call me right back, he hung up, I immediately called my bank to make a fraudulent report. My bank to me to call XXXX XXXX and report it to cash app, I did and they said the money trail ended at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX. I told cash app to investigate with that bank and return my money. After days of back and forth with cash app they always told me the same thing ; your dispute has been closed and they would hang up the phone with no reason as to why it was closed, when fraudulent activity was certainly evident!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX fraudulent transactions showed on my credit card account with Fifth Third Bank, transactions I did not make, those transactions sum a total of {$4300.00} dollars, now more because they have been charging interest and fees since then, At that time I informed the bank about them and they initiated an investigation, the result of this investigation resulted in a denial of the claim stating that the card had been used phisically through the XXXX chip on the card and that the technology can't be duplicated by criminals, at the moment and as I did not make those transactions, I filed a complaint with the cfpb, so this is my second complaint, I filed another complaint with the Florida XXXX attorney, and I went to the police where they filled a report about the case, I wrote XXXX letters explaining the bank that they were wrong, I have been in this country for 17 years, never being in a kind of debt I was not able to pay, so my XXXX XXXX was very good since then, affected XXXX points now for this matter, It is totally unfair for a family or any individual with the honesty I was grown up to be quite and not stressful with this situation, Police departments hadn't been any helpful in trying to investigate the matter as It should be, I went to place where transactions were made and the guy who is the only person and owner of the place doesnt want to give any invoice or camera records from that day to know who made those transactions with my identity, someone called the bank using that information to give a false td bank account which I dont have, It is really dissapointing how the finantial system is taking these fraud cases and passing those charges without any further investigation, and affect the finantial system trust of consumers, I am proceding to close the rest of my credit card accounts, because if you can't trust in the system is really risky, this has affected my normal daily life, the quality time I should spend with my daugther and family, nights of bad sleeping just with the worry that I should pay for something I didnt buy, I get up early in the morning every day to take a better life to my family, and with a lot of effort we try to give a better life to our daughter and being scammed in that way is not fair, I ask to Fifth Third Bank to take my XXXX XXXX as it was and inmediatly to take all those fraudulent charges out my account with them and my finiantial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 non-monetary relief
Consumer complaint received 2023-10-26 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: MI

Complaint narrative:
I paid for serviced with the original creditor ( XXXX XXXX ) and they sent a balance to collections that I do not owe. I believe they have done so in error or have my account confused with another customer.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to view my Equifax report or scores. I have submitted letters to Equifax asking them to release the block or whatever they have that is keeping me or companies from viewing my report. Can you please help with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NJ

Complaint narrative:
Upon reviewing my Equifax credit report, I have identified several significant inaccuracies that require immediate attention. The discrepancies are as follows : XXXX. XXXX XXXX : ** The account with the account number [ XXXX ] is listed as " Derogatory '' on [ XX/XX/XXXX ], despite the fact that it has been correctly reported as " Paid '' and " Closed '' by other credit bureaus. This inconsistency is misleading and negatively impacts my creditworthiness. 

XXXX. **Date of Last Activity : ** The reported " Date of Last Activity '' for the same account is listed as [ XX/XX/XXXX ], which contradicts the accurate reporting provided by other bureaus. 

XXXX. **Payment History : ** The payment history for this account is not accurately reflected. While other bureaus report " Paid, '' Equifax continues to list it as " Derogatory. '' 4. **Credit Limit : ** Equifax states that the credit limit for this account is {$0.00}, which is inconsistent with the accurate reporting provided by other credit bureaus. 

XXXX. **Creditor Remarks : ** Equifax includes remarks indicating that the account was " Canceled by credit grantor '' and the " Amount in H/C column is credit limit, '' which are not present in the reports provided by other bureaus. 

XXXX. **Account Type : ** Equifax classifies the account as belonging to " National Credit Card Companies, '' which differs from the accurate classification provided by other credit bureaus. 
7. **Payment Frequency : ** Equifax does not provide information regarding the payment frequency for this account, while other bureaus accurately report it as a " Secured credit card. '' 8. **Account Rating : ** The account is labeled as " Derogatory '' by Equifax XXXX which contradicts the accurate reporting provided by other bureaus. 

As per 15 USC 1681i, consumers are entitled to accurate and fair credit reporting. These discrepancies are causing undue harm to my credit profile, and I kindly request Equifax 's immediate attention to rectify these issues. 

I appreciate your prompt action in accordance with federal regulations and look forward to a swift resolution. If additional information is required, please do not hesitate to contact me. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: WI

Complaint narrative:
I have sent letter of debt validation on XXXX. No response was given.

I have sent multiple request to the credit bureaus for the past 1 year to validate the debt and they have not presented any proof. I am also submitting a complaint on all 3 bureaus as well. 


Dates Submitted : XXXX XXXX XXXX Nothing has been done about this. 

I haven sent another one today XXXX notifying them of the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS RECIEVED CHARGES FROM A FRUADULENT XXXX ACCOUNT THAT WAS OPENED WITH OUT MY PERMISSION. MY ACCOUNTS WERE COMPROMISED AS A RESULT OF FRAUD ACTIVITY. 

I the XXXX charges that are being billed from XXXX are not valid charges, they are fruad made by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: AZ

Complaint narrative:
In XXXX of 2023, I requested that Experian update my student loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to Experian and that it is Experian that is refusing to update the information. Experian keeps sending me an old balance from XXXX of 2023, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''

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 2023-10-26 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: IL

Complaint narrative:
I've contacted Trans Union several times concerning the following incomplete information on the following matters : XXXX XXXX XXXX acct # : XXXX & XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX acct # : XXXX I've contacted Trans Union to challenge the reporting and compliance on the above alleged accounts, that is being reported on my credit report with incorrect/missing information. I am referencing the fact they continue reporting this information with a PARTIAL account number. With Trans Union NOT reporting the entire account numbers, they are NOT reporting 100 % accurate information as REQUIRED by SECTION XXXX of the Fair Credit Reporting Act. And their practice is HIGHLY DAMAGING to my XXXX XXXX!! They claim their information is accurate, however i continually have requested the names, address and telephone numbers of each individuals contacted regarding these alleged accounts. I requested from Trans Union a copy of ANY & ALL documents bearing my signature, yet they continue to fail to provide me with this information. I requested that ANY automated response or E-Oscar verification is UNACCEPTABLE!!! I requested a reinvestigation and their methods of verification, I never received any of this information. I reminded them as in XXXX v. Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX, XXXX ), Trans Union XXXX be held liable for their willful non-compliance. Also, there's a Hard inquiry on my report from XXXX XXXX on XXXX, XXXX, i DID NIT AUTHORIZE. And this shouldn't be allowed in my credit file unless i authorized it. Again, Trans Union has ignored my request to have this removed. I sent certified mail requesting in both matters these issues be immediately removed because it's making it very difficult for me to acquire credit. And AGAIN, they have ignore my concerns

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 2023-10-26 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: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 non-monetary relief
Consumer complaint received 2023-10-26 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: FL

Complaint narrative:
I am writing to formally file a complaint concerning the inquiries that have appeared on my credit report. I have concerns about the nature of these inquiries, including unauthorized or inaccurate inquiries, and I kindly request your assistance in addressing this issue. 

I have noticed inquiries on my credit report that I did not authorize or have any knowledge of. These unauthorized inquiries are affecting my XXXX XXXX and financial standing, and I believe they should be thoroughly investigated. 

inconsistent with my financial activity. I am concerned that these inaccurate entries XXXX impact my creditworthiness unfairly.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MN

Complaint narrative:
Chime bank closed my account fraudulently a few months ago and has been giving me the runaround via email with auto generated templates and absolutely no attempt to actually assist me in getting my money back. Their fraud department is essentially nonexistent so they have been stealing money from me, and for other customers, as I have noticed, as I was going around their social media comments. This seems like it is a pervasive issue within the company that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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 a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these 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 explanation
Consumer complaint received 2023-10-26 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1000.00}, XXXX XXXX XXXX # XXXX has violated my rights. 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 an 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 2023-10-26 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: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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