vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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:
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 identity 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 also have enclosed copies of the Federal Trade Commissions 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 2024-08-06 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: SC

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 identity 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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did NOT authorize these companies to pull any 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NC

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: VA

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: VA

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 2024-08-06 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: NY

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 identity 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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also asking for the date when the supposed delinquency occurred, which should have been provided to you by the company. I understand that it usually takes seven years for a trade line to be removed, but I would like to know the specific month and year when this trade line will be removed. 
ACCOUNTS : 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 2024-08-06 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: NY

Complaint narrative:
These inquiries are a result of identity theft, i keep mentioning this to the bureaus they have done nothing. i demand they be removed in the next 24 hours or it will result to litigation against them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries are a result of identity theft, i keep mentioning this to the bureaus they have done nothing. i demand they be removed in the next 24 hours or it will result to litigation against them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: VA

Complaint narrative:
THESE INQUIRIES and COLLECTIONS ARE UNAUTHORIZED AND I AM A VICTIM OF IDENTIFY THEFT BY INFORMATION BREACH. 
Remove all listed from credit reports, XXXX XXXX, Equifax, 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: VA

Complaint narrative:
THESE INQUIRIES and COLLECTIONS ARE UNAUTHORIZED AND I AM A VICTIM OF IDENTIFY THEFT BY INFORMATION BREACH. 
Remove all listed from credit reports, XXXX XXXX, XXXX, Experian credit reporting agencies 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 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 XXXXXX/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 2024-08-06 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:
I send a certified letter asking Experian to investigate my account and demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) on the accounts listed below. They never sent proof and they claimed they verified the information. 
I filed a CFPB complaint asking for another investigation and they claimed everything was updated and accurate. After they stated this they also said : " Regarding the items you listed, according to our records, the disputed information does not appear in your current Experian credit report '' These statements are completely NOT true and they contradicted themselves. 

Please note the screen shot date and the date that Experian claims this report was made. This is a updated report taken directly from their website!!! 

The XXXX XXXX XXXX account was charged off on the following date : XX/XX/XXXX the date of last activity has not been updated on Experian even though the claimed to have updated the account. The date of last activity on Experian is XX/XX/XXXX. And on XXXX it's XX/XX/XXXX The XXXX XXXX XXXX XXXX XXXXXXXX account was charged off on the following date : XX/XX/XXXX the date of last activity and amounts has not been updated on Experian even though the claimed to have updated the account. On the XXXX report you will see the amounts are different than the Experian because Experian NEVER verified and updated the report but yet they claim there report is has been updated and accurate. 

XXXX XXXX No Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 

XXXX XXXX account was charged off on the following date : XX/XX/XXXX the amounts has not been updated on Experian and they show that this account was closed on XX/XX/XXXX then reopened on XX/XX/XXXX XXXX and then charged-off on XX/XX/XXXX even though the claimed to have updated the account. On the XXXX report you will see the amounts are different than the Experian, The charge-off date is different because Experian NEVER verified and updated the report but yet they claim there report is has been updated and accurate. 

XXXX XXXX XXXX XXXX No Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 

XXXX XXXX XXXXXXXXNo Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 


if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed inaccurate. Please delete these accounts from my 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 explanation
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I had called Chase and had recieved no help then I had sent this message from Chase.com to Account Services and they got back to me few days ago and said we can not issue me the refund when I am clearly provinding the details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute a charge on my credit card for a hotel booking made at XXXX XXXX  by XXXX XXXX through XXXX. The booking details are as follows : Booking Platform : XXXX XXXX : XXXXXXXX XXXX  by XXXX XXXX Transaction Date : XX/XX/year> Total Cost : {$330.00} including taxes and fees Issue Date : XX/XX/year> Dispute Amount : {$220.00} for XXXX nights Upon arrival at the hotel I discovered an unexpected additional charge of {$55.00} per day for parking which was not disclosed during the booking process. This added cost of {$160.00} for the stay duration was not feasible for me. I immediately contacted XXXX to address this issue. An XXXX agent assured me that I could stay XXXX night and they would request a refund for the remaining XXXX nights. Based on this assurance I checked in and stayed only XXXX night checking out the next morning. 

I confirmed with the front desk staff upon checkout that there would be no additional charges for early checkout. However despite numerous follow-ups with XXXX I have been informed that the hotel manager refuses to approve the refund. I have also directly contacted the hotel manager who directed me back to XXXX creating a frustrating cycle with no resolution. 

XXXX policy clearly states : Cancellations and changes : We do not charge a cancel or change fee. When the property charges such fees in accordance with its own policies the cost will be passed on to you. 

XXXXXXXX XXXX by XXXX XXXX : There is no charge for cancellations made before XXXX XXXX  property local time on XX/XX/year>. Cancellations or changes made after XXXX XXXX  property local time on XX/XX/year> or no-shows are subject to a property fee equal to the first nights rate plus taxes and fees. 

I adhered to the policy by not canceling but rather checking out early which was not mentioned as incurring any additional fees. Given that I stayed only XXXX night I should be refunded for the remaining XXXX nights {$220.00}. 

I have explained this situation to a Chase representative but my dispute was deemed invalid due to the merchants policy. I believe this decision is unfair as I followed the stated policies and acted based on the guidance provided by the XXXX agent. I kindly request Chase Bank to reconsider my dispute and assist me in securing the refund that I am entitled to. If you need additional information/documents please let me know. 

Thank you for your understanding and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/year>, a notification came through stating there was not enough money in my checking account to cover a transaction that came through. I knew there was enough money so I checked online to verify. The transactions in my checking account were debit after debit of cash withdrawn to XXXX. 

The owner of the XXXX accounts was someone who had been living with me but had moved out earlier that week. I looked back over the past month ; he had been sending money to his XXXX on occasion since late XXXX. However, when he moved out, he drained my account. He not only hit this account but my other accounts at other institutions and opened other accounts for which debit cards started arriving. It was a lot. 

I immediately began to dispute the transactions. There were so many and my financial institution, Ally Bank, requires each transaction to be manually disputed online. It took me multiple days to go through the transactions. They ranged from a few dollars up to {$200.00}. As I was nearing the end of the list, the website gave me an error message that the site was unable to retrieve the transaction information and to check back later. This went on for months with zero resolution. 

So, I was unable to dispute all the transactions. But of the ones I could dispute, I was given provisionary reimbursement and, eventually a credit for all the transactions that were under {$50.00}. The transactions over {$50.00} needed to be investigated, according to Ally. And, after a couple of months, I received notices in the mail that all those transactions over {$50.00} were found to be authorized and correct. The reasoning was that they are " merchant transactions '' and I should take it up with the merchant. However, every transaction data sheet no matter what the amount of the transaction had no varying information indicating that those higher-value transactions were any different than the lower-value ones. And, there was no difference. They were done the same way as the others. 

I called multiple times and spoke to various people and managers. They did everything from laugh at me, hang up the phone on me, and tell me I had no way to appeal as the decision was made and I had to accept it. Ally Bank stole hundreds of dollars from me because they did not want to cover my higher-value fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given consent toward. I am frustrated and my consumer rights are being violated. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately, 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: SC

Complaint narrative:
I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given consent toward. I am frustrated and my consumer rights are being violated. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediatelyXXXX 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 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 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 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 explanation
Consumer complaint received 2024-08-06 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: MN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING 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