vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-02-28 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2024, I sent {$4000.00} via XXXX ( XXXX ). I filed a claim with Bank of America and faxed over evidence that I was scam. Bank of America contacted XXXX XXXX. Both acknowledged that there is an account holder who received my money to the XXXX account. My bank clearly agrees its a scam, but the banks refuse to do any to help my any retrieve scammed money from the account holder or give me a valid d reason why my claim has s being denied. They are ignoring the supplied evidence of the fraudulent scam.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I never authorized for the above credit card to be closed. They closed my card without my consent and it dropped my XXXX score by XXXX points. Now it's shown to be open and still not reporting opened on the credit agency as well my score is still the same. 

Attached a CC Statement

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 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just recently looked at my Trans union credit report XX/XX/2024. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX  - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX  - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B

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 2024-02-28 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:
I recently received a copy of my 3 Credit Bureaus consumer report and I noticed inaccurate information posted on my consumer report XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>

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 2024-02-28 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: CT

Complaint narrative:
I called to ask for information about what to do with a 1099c form because I wanted to know what was the proper way to get the document to them. before I could get off the phone the agent said hold on we spot an error on your account. I thought they would work with me and fix the error but the agent instead tried to rush me off the phone saying everything is alright. I said to them what is the error the agent then said there are multi social security numbers on my profile. I asked since when. the agent did not want to tell me and didn't tell me. I asked to dispute it and the agent said I wasn't able to because I recently put a complaint in a little over a month prior. then they told me another dispute would lower my credit which was new to me. Ultimately I didn't get any more information. I told them that it's fraud and she just rushed me off the phone saying there's nothing they can do right now. The company didn't want to tell me what the social security number was that's there or how long it's been there. As a result it makes it difficult to obtain proof.

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 2024-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
This debt was sold to debt recovery solutions from XXXX. The previous amount owed was dated from XXXX and a collection was add to my credit on XXXX of XXXX. This account has been re aged. And has been reopened more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: AZ

Complaint narrative:
I am writing to express my profound dissatisfaction and frustration with the repeated unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, these fraudulent entries persist, causing significant harm and distress. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my financial standing and reputation. These unresolved fraudulent entries not only affect my ability to access credit and financial services but also undermine my trust in the integrity of your institution and the financial system as a whole. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling helpless and frustrated. 

As a valued customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my financial information. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, RI XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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 2024-02-28 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-28 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: UT

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted 3 letters on 3 separate occasions with the most recent letter XXXX informing XXXX, Equifax and XXXX that this account XXXX does not belong to me. I was the victim of identity theft. I have requested all documentation regarding this account including anything that bears my signature. As of this date XXXX I have not received a response nor any documentation in regards to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
I have submitted 3 letters on 3 separate occasions with the most recent letter XXXX informing Experian, XXXX and XXXX that this account XXXX does not belong to me. I was the victim of identity theft. I have requested all documentation regarding this account including anything that bears my signature. As of this date XXXX I have not received a response nor any documentation in regards to this account.

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 2024-02-28 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:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I never authorized for the above credit card to be closed. They closed my card without my consent and it dropped my FICO score by XXXX points. Now it's shown to be open and still not reporting opened on the credit agency as well my score is still the same. 

Attached a CC Statement

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I received an email from Chase Bank stating : XXXX XXXX XXXX : At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it if we dont hear from you soon. This includes your account ( s ) ending in : XXXX XXXX We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 
Heres what you should do Please call us at XXXX soon to see if we can address the issue. You can also call the number on the back of your debit card or on your account statement. We look forward to speaking with you. If weve already spoken and resolved this, you dont need to do anything else. 
While the account is restricted, heres what to expect You cant withdraw money or make purchases. 
You wont be able to sign in to chase.com and the Chase Mobile app.1 We may reject direct deposits and automatic payments, so please notify companies that send or receive these transactions. 
We may not honor checks associated with the account. 
If we close the account and there is a remaining balance, well send you a check by mail to the address on file. You should also destroy any checks and debit or ATM cards associated with the closed account. 

We apologize for the inconvenience, and we urge you to contact us as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, Customer Support Team After receiving this email I immediately contacted the bank and they stated that the " back office '' is investigating my account and because of that they froze all my funds, locked me out of the app and said that they were going to close my account in ten days and " send the reminder of my funds to my via cashier 's check ''. I asked why and they said that they didn't have any information available, then they stated has a bank they can do this at anytime and there's nothing I could do. They said they would send me a letter that would explain why but the letter is stating only what I was told by the representatives and supervisors with no other explanation. I researched to see if I was the only one that this was happening to ; however, I found out that they are doing this to thousands to people and a lot of people have been waiting months to get there funds back, many are not receiving any of their funds back ... .... I should have a little under {$1500.00} in my account. I just got paid from my job a few hours before they did this to me. This is not right and should be illegal and considered fraud. I work hard for my money and deserve to be able to pull my funds out but no one from Chase is helping me. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TN

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-02-28 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: NJ

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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