vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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:
HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX  IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF 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 2023-09-16 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: TX

Complaint narrative:
HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give XXXX  written permission to furnish these accounts. 
Accounts/Inquiries : 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 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to dispute a check that wrote to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That is check # XXXX in the amount of {$95.00} that just cleared. This Complaint involves a switch and bait tactic by this merchant. 
================================= This complaint falls under compliance issues with the Magnuson-warranty Act of 1975 c/o the Federal Trade commission ============================= XXXX XXXX I bought a incinerator garbage disposal from XXXX XXXX for {$94.00} each On XXXX XXXX I called an authorized company to service an Incinerator garbage disposal which i bought from XXXX XXXX on XXXX because of performance issues and poor quality of Galvanized metal at the bottom oft he disposal which accumulated an abnormal quality of rust. Normally, because they are coated with Zinc Oxide this should not have happened. The service rep came out and spend 15 minutes servicing the unit adjusting the bolts. etc. with pliers. The day before, one of their consumer specialists told me that there would be no Problem possible replacing/servicing the unit. 
When the service rep was finished he said he had to charge me {$95.00}. I followed up with the merchant to no avail. If I refused to pay him it would have possible ended up in collections. affecting my credit. 

I just Called my bank- XXXX Bank of America dispute department and spoke with a XXXX. He told me that I could not dispute this because it was a check. However, the day before, i talked with a consumer specialist and was told that the Bank would back me up. It was annotated on my account. 

Could you please escalate this issue for me with Bank of America as soon as possible. 
I feel that this whole episode with the warranty and my Bank has been a bad experience.

BOFA- They were very nasty and abrupt when i followed up and hung up in my face. 
My current contact information is Phone 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 2023-09-16 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: PA

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance to the FCRA. I would like this unauthorized inquire removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: VA

Complaint narrative:
There is incorrect information in my credit report regarding a bankruptcy filing. I submitted a complaint in XX/XX/2022, yet the information remains. Additionally, I have disputed an address that appeared on my credit report that is not mine. I live at XXXX XXXX XXXX XXXX XXXXXXXX VA. The incorrect address that's being reported of XXXX XXXX XXXX in XXXX, MD is not my address and any account linked to that address should be removed. I have been patient in waiting for the credit bureau to take the appropriate actions, I have requested that they provide proof of how they obtained this information, however, they have failed to honor my requests and instead are refusing to provide the information I have requested. This has been an ongoing, back, and forth regarding this entry and the associated address. If I was financially capable, I would hire an attorney to sue the credit bureau, but unfortunately I am not in a position to do that so once again, I am relying on XXXX to enforce the laws concerning credit reporting requirements and move to take action against the credit bureau for reporting false/inaccurate information of which has caused me significant harm resulting from credit denials and higher than normal interest rates.

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 2023-09-16 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: PA

Complaint narrative:
i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-16 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: PA

Complaint narrative:
i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was trying to open a business account with chase business, on XX/XX/XXXX online. 
I accidentally deposited the funds into an online checking account instead, I inform chase of my mistake, I was sent a link to open the correct account, in which I did. I told them to close the checking and put the funds in the new open business account I was told, it can not be done, they will refund the check, so I can put it in the business account, after about a month of waiting for the fund, I call chase to inquire about the funds I was told I can not get the funds until I provide a phone number of the employer, in which did chase rejected that number and continuously been doing the same with every phone number I sent, I went a chase branch to identify myself n was given the loss claim department I call kno result, it's been a roller-coaster ride since then, I even ask chase to speak to the employer n they refused, I would just like to get my check back...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
Credit management XXXX XXXX XXXX has sent an {$84.00} charge to collections that is false and doesnt exist. They never sent any bills or have any proof. XXXX themselves, never sent a bill or said anything about any money owed when I simply switched addresses. The company has many people who do not know their job. It is clearly a mixup and they are simply lying to get money they do not deserve. There are many reports of this deceit from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand that these payments be updated to on time and never late. 

Thanks.

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 2023-09-16 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.

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 2023-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
To whom it may concern : I have not received any communications, but received an alert from my online credit monitoring that I had a negative item hit my report. I looked into this and it was from a JEFFERSON CAPITAL SYSTEM, and it referenced an original creditor of XXXX XXXX XXXX XXXX, and it appears that it says it was opened with JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX per my monitoring credit report. I never opened any account with that original creditor nor received any response from this collection agency when I mailed a letter on XXXX, XXXX as I had limited information. I did not call because I hear the horror stories of collection agencies and not going to be abused for something to upset my XXXX XXXX. I have never had any accounts or balances near what is being on there, and I assume the XXXX reference is that online bill services. I have never used them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: LEXISNEXIS
State: IL

Complaint narrative:
I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the accounts are all follows : XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED NA - AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XXXX - XXXX XXXX - AMOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I last made contact regarding the past due status of this account inXX/XX/2017. That is the date that should be reflected on my credit report. Discover Bank has changed that date to XX/XX/ after they decided to issue a tax write off document to the IRS. Therefore extending my eligibility to remove this off my credit report by an additional five months. I had the same thing happen with XXXX XXXX Bank and they did not change the last activity date. 

Request justification for this extension of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email from XXXXcapitalone360.com. 

Email : XXXX XXXX XXXX Give us a call about your account ( s ) Mart XXXX We have a few questions about some recent activity on your account ( s ) and need to speak with you to clear this up. 

Please give us a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks for choosing Capital One. 


I just opened a savings account with them and also called something regarding disputing a charge. I was expecting for them to send an email as per agent told me. I received this email and call and during call it asked to enter my whole social security before speaking to an agent. When I have a time to search this number on the internet, many claimed that this is a scam number. I am now worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: CA

Complaint narrative:
Filed dispute secondary to identify theft/someone elses mixed accounts with my account by Transunion. Trans Union failed to investigate. Filed FTC report on accounts : XXXX. XXXX  reporting XXXX accounts Since they have a completely different name and Social Security number XXXX. XXXX XXXX XXXX XXXX XXXX they have a completely different name and Social Security number XXXX. XXXX XXXX XXXXXXXX. States they have a completely different name and Social Security number These are fraudulent accounts and Not only did Trans Union fail to investigate but they allowed these to be illegally reported and remain on my credit bureau even after Error and Identity Theft had been established by 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX concerning a persistent error they have been reporting on my credit report over the past four months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of XXXX and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

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 non-monetary relief
Consumer complaint received 2023-09-16 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  concerning a persistent error they have been reporting on my credit report over the past XXXX months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX  via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of Credit and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief