vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank was recommended to me by the State of Illinois, from whom I receive weekly funds. The recommendation was based on the fact that Chase Bank is their official bank that actually cuts our state checks, and would obviously be the best option for setting up direct deposit. I then opened up a new checking account with Chase on XXXX. I was provided an account and routing number, which I entered on the state site, only to have it rejected as " unable to verify '', When I contacted Chase Bank. a rep told me that it would take XXXX hours to activate, which is NOT DISCLOSED anywhere on their website. When I contacted a Chase Bank " supervisor '', the rep blatantly and maliciously lied to me and stated how it was up to the State of Illinois to notify me when my bank account is enabled for direct deposit. WHAT????!!!! As if the State somehow has access to the personal bank records of Chase customers and notifies them of banking updates- wow! That was about the stupidest thing I've ever heard from a bank rep. In addition, this Chase rep lied to me by stating that the 24-48 hour delay was not their policy, only to change her story in a few minutes and state that in fact IT IS their policy. I can't get a straight honest answer on anything from these people, it's like dealing with some shady third world shady characters.. The only thing they did was provide a case number, although it also may be a fraudulent set of digits. That case # : XXXX. The supervisor claimed that they will take action, but when I asked them to describe the action, the phone went silent. Because they have no intention of actually doing anything but provide lies and contradictions, designed to frustrate and confuse their customer - just to get them off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in my FTC report, theyve been giving me the run around saying they have received it for 3 weeks after sent in date, all of the other credit bureaus received it 3 days after I sent it. I called 3 times to check the last time I called the supervisor would not answer my questions on my account and then hung up in my face without resolving any of the problems I had brought to his attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Complaint # XXXX Citizens Bank is not acting in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have multiple hard inquiries that are on my consumer report that I did not authorize. I even noticed that the same company names multiple times in the same period as a hard inquiry on my consumer report. I wrote the CRA TransUnion but they sent me back a response that it was verified with no proof of this verification. I am demanding that they remove all of those unauthorized hard inquiries listed on my report that were not authorized. The only hard inquiries that should be on my consumer report that I authorized are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 1 ), I as the consumer am entitled to an accurate report and the CRA TransUnion has not done that. Therefore they are in violation and are being put on notice for violating the law.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXXXXXX 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 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

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
on XXXX I submitted a dispute regarding XXXX XXXX On XX/XX/XXXX Experian replied that the dispute has been updated. Upon review of the dispute, I see that the account is still violating the FCRA and reporting inaccurateDespite written request. Experian has failed to perform a reasonable investigation of my dispute. This is a VIOLATION of the FCRA. This account is reporting inaccurate information, and I have proof attached. If this is not removed ASAP, I will be filing a lawsuit and a complaint with the attorney general. These accounts were NOT verified yet updated to my report. 

Here are the results below from Experian. 
The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 
In firmly dispute this account Experian does not show that I made a payment on XX/XX/XXXX. The balance history that Experian has shows that I paid XXXX dollars. 
Date of last payment is incorrect and inconsistent with the bureaus. Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX Experians balance history showed that I paid XXXX on XX/XX/XXXX, yet the date of last payment is listed as XX/XX/XXXX The date of last active is incorrect. 
o Experian has a date of XX/XX/XXXX, XXXX has XX/XX/XXXX. Why would XXXX tell the bureaus two different things in 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent out a letter to Experian XX/XX/2022 asking for the company to remove all unverifiable accounts! Also today I sent out a demand to comply letter

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
Complaint derivative of the following : The Consumer Financial Protection Bureau ( Bureau ) brings this action against TransUnion, TransUnion, LLC, and TransUnion XXXX XXXX XXXX ( collectively, Corporate Defendants ), and XXXX XXXX XXXX ( XXXX ) under the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565, the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693e ( a ), and its implementing regulation, Regulation E, 12 C.F.R. 1005.10 ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j ( a ), and its implementing regulation, Regulation V, 12 C.F.R. 1022.136. 

When accessing XXXX I did not receive a credit report from Transunion. Also through the XXXX app to view my Trans Union credit report, I was always required to put in my credit card info although it claims to be a free credit report where I would be charged {$24.00} monthly. 
Upon receiving a Transunion credit alert through XXXX XXXX the notification would point to a change but I always had to upgrade my subscription to access alert provided in email notification.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

XXXXXXXX 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Delete all The Hard Inquires from my credit reports Exsperian there is a total of 6 hard Inquires on my credit report that I don't recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Transunion 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Delete all The Hard Inquires from my credit reports XXXX  there is a total of 6 hard Inquires on my credit report that I don't recognize. 
1- XXXX XXXX XXXX Inquiry date XXXX 2- XXXX XXXX XXXX Inquiry date XXXX 3-XXXX XXXX XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX 6- XXXX XXXX Inquiry date XXXX Equifax 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX XXXX 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX Inquiry date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
CB/indigo is a credit card company on my credit report even though the debt says paid on my report this is a fraudulent report. I have never applied for or owned a CB/indigo credit card before. I am asking for this report/collection to be removed off of my XXXX credit report. The report number is XXXX.

Company response to consumer: Closed with explanation