vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: SC

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
The following companies have errors on my credit report. My balances are incorrect and the credit amount are incorrect. 
The companies with incorrect reporting are as followed : 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  : Incorrect Credit Limit

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following companies have errors on my credit report. My balances are incorrect and the credit amount are incorrect. 
The companies with incorrect reporting are as followed : 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  : Incorrect Credit Limit

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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I sent funds ( {$500.00} ) from a XXXX XXXX account to a Chase bank for an individual on XXXX XX/XX/XXXX however the account number at Chase was wrong if the correct account number was ending in XXXX the funds went to XXXX. I have tried to see how these funds can be recovered to no end, if possible can this error be corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XX/XX/2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/AIDVANTAGE has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXX/XX/2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, XXXX, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-04 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We have a XXXX XXXX XXXX credit card with Chase Bank. In XXXX of XXXX my family took a trip to XXXX XXXX. Upon returning we got our XXXX credit card statement, and all charges were verified. The next month we received our XXXX credit card statement and in the middle of the XXXX charges was a charge with a post date of XX/XX/XXXX in the amount of {$7000.00} from a company called XXXX XXXX XXXX in XXXX XXXX. We disputed this charge with Chase. We were told by Chase that the charge was legitimate because it was a chip read transaction. We asked Chase for information about the vendor but the information they gave us did not direct us to any vendor that we did business with. We challenged Chase about this transaction for several months until Chase closed the dispute and started charging us interest for the amount. Chase also reported us to the credit rating companies. In XX/XX/XXXX we asked an attorney to send a letter to Chase requesting they fix this error and refund our money, but we have yet to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identitfy 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 alsoXXXX have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 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 2024-03-04 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 non-monetary relief
Consumer complaint received 2024-03-04 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: VW Credit
State: CA

Complaint narrative:
XXXX XXXX XXXX Open date : XX/XX/2020 Amount : {$9700.00} Account Number : XXXX VW Credit Inc. 
Open date : XX/XX/2020 Amount : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
XXXX XXXX XXXX Open date : XX/XX/year> Amount : {$9700.00} Account Number : XXXX XXXX XXXX XXXX. 
Open date : XX/XX/year> Amount : XXXX Account Number : 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I called Credit control services Inc about being in collections. I observed this debt when I ran my most current credit report. I contacted the creditor and gave them my name, address, and DOB. The operator stated that the name was the same " XXXX XXXX '' but all the other identifiers were incorrect. Therefore, this account did not belong to me. Creditor verified it was not my debt. The collection is showing on my XXXX credit report but not showing on any other credit bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NC

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AL

Complaint narrative:
Apparently, this company gave me this loan by classifying it as a business loan but presented it to me as a regular ( consumer ) loan. At the time I took the loan, they walked me through the process over the phone, and held the line while pushing me to accept the loan terms- rushing me through the process so quickly that I did not know/understand what they were doing. 

I do not know why they would take this business loan out for a business that does not exist, and am perplexed that I do not have any consumer protection here because of it. I suffered a significant health event ( comprising of a XXXX figure hospital bill ) and I am suffering through this process. I honestly don't know why these aggressive and unethical people are sharks in the water, but I don't know what to do about it. 

Lastly, I sent a letter asking them to stop calling relentlessly a year ago - and, I have been called more than XXXX times since. 

Company Info : BHG Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Account # XXXX XXXX XXXX XXXX Statement date XXXX XXXX XXXX, XXXX Transaction Date XX/XX/XXXX Payment Adjustment Reference Number XXXX Account Number XXXX Amount {$1900.00} A payment adjustment of {$1900.00} was charged against my credit card account. I have no knowledge of this transaction. I have been trying since XX/XX/XXXX to resolve this with Bank of America Account # XXXX XXXX XXXX XXXX Statement date XXXX XXXX XXXX Transaction Date XX/XX/XXXX ACH Payment Refund Reference number XXXX Account number XXXX Amount {$2000.00} A payment adjustment, identified as ACH Payment Refund of {$2000.00} was charged against my credit card account. I have no knowledge of this transaction. I have been trying sinice XX/XX/XXXX to resolve this with Bank of America. 

This is the same account. The account number was changed by Bank of America because of fraudulent activities on the credit card.

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 monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
BANK OF AMERICA corrected and then RE-MISREPORTED FALSE LATE STATUS Everyday of false reporting is a LARGE COST to me that BANK OF AMERICA WILL BE PAYING. 

Need help from CFPB

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 2024-03-04 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:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Hatfield, Inc.
State: CA

Complaint narrative:
My account was charged {$7.00} on XX/XX/XXXX. Though I have emailed and messaged Grids support, they have not responded to my messages and request to cease all activity on my bank account. I am also unable to cancel or remove my information from their service. 

My last valid payment due and paid to Grid was on XX/XX/XXXX. This was a payment of {$10.00}, which I consented to paying. Because I no longer needed their service, I reached out to their customer service, as I attempted to cancel my account altogether and was unsuccessful. They do not have a customer service phone number. 

In addition to the {$7.00} charge on XX/XX/XXXX, I have also been charged the following amounts on these dates : {$10.00} - XX/XX/XXXX {$10.00} - XX/XX/XXXX {$24.00} - XX/XX/XXXX {$26.00} - XX/XX/XXXX {$29.00} - XX/XX/XXXX I have requested a cancellation of my Grid account, and the immediate ceasing of charging my bank account - both requests ignored by Grid. I also requested an itemized ledger of the charges to my account, to justify WHY I have been charged so many times after an advance was repaid in XX/XX/XXXX. Since the transaction date paid to Grid on XX/XX/XXXX - I did not and have not authorized ANY of these transactions. I am now fearful of having my personal account drained of money, as every moment they seem to charge me, even multiple times and different amounts during the month. 

I would like to have my money refunded for the dates and transactions provided, the Grid company to ensure my account is closed permanently, and that they never charge my account again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which is causing significant distress and financial harm. Specifically, this account is associated with the following entity : XXXX  XXXX XXXX XXXX XXXX. It is of utmost importance to underscore that this account do not belong to me and is fraudulent. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I put some money into coinbase. I moved to XXXX for a while and started a XXXX coinbase account because my bank, XXXX XXXX, does not support international transfers unless you go into the branch, which is not possible if I am outside the country. So coinbase has frozen my accounts for about a year now. I can not move my crypto out of there. I have about XXXX in both these accounts currently and I have not been able to access it for a long time. Whenever I contact support they really do nothing. They give me a link to upload a bank statement and it just won't accept it or they do nothing. Or they escalate it and I never hear anything. They have my assets and they won't let me access them. It's outrageous and they do not care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/year>, I received email alert about new inquiry on my credit report. When I checked, it was a hard inquiry by FNB OMAHA. I tried calling their number, with no response. 

On XX/XX/year>, I received another email about the same issue. ( Several of my credit cards offer this service. ) This time, I tried calling FNB OMAHA again, and got bounced to a voicemail that was garbled and difficult to understand. 

Since this was on my XXXX report, I tried to dispute this - only to find out inquiries can not be disputed. But they did take a fraud alert for my credit report. She then recommended I file an identity theft report with my police department. I explained that I am XXXX and XXXX so she gave me " FTC.gov '', which switched me over to you. 

As I told XXXX, neither I nor anyone else in my house applied for any type of credit with this bank - ever.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Navy Federal Credit Union stating I'm opting out of sharing my non public personal financial information pursuant to 15 USC 6801 et al. Along with the letter I sent a certificate of mailing signed and notarized. Navy federal has yet to honor my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation