vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my report that i need removed 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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-02-16 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT ; I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE FRAUDULENT APARTMENTS RENTAL. THOSE FRAUD ACCOUNT NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX WITH A BALANCE OF {$15000.00} IS A FRAUD COLLECTION ACCOUNT AND I NEVER LIVE THERE OR AUTHORIZED ANYONE TO USE MY IDENTITY FOR THEIS APARTMENT. 



XXXX XXXX XXXX OR XXXX XXXX AT XXXX XXXX WITH A BALANCE OF {$39000.00} IS A FRAUD COLLECTION ACCOUNT AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 



THANK YOU FOR YOUR 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Urgent Request for Issuance of Account Balance Check and Complaint Against Inconsistent Service To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chase Bank for its failure to issue a check for my account balance, amounting to {$110000.00}, despite repeated requests and following their given instructions. My efforts to resolve this issue through the bank 's channels have been met with inconsistency and lack of clear guidance, causing me undue stress and inconvenience. 

Here is the account info. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX Previously, I complied with Chase 's instructions by visiting a bank branch on XXXX XX/XX/2024, bringing two forms of identification to assist with the process as required. At the branch, a banker filled out a form titled " DECLARATION OF LOST CASHIER 'S CHECK ( Individual ) '' on my behalf. However, when it came to signing the document to proceed, I was informed that my account is under review and was advised to call XXXX for further assistance. 

Additionally, during my visit, I updated my account 's mailing address as per the bank 's request. Despite these efforts, the branch was unable to fulfill my request to issue the account balance check. Furthermore, I have lodged a complaint at the branch regarding the inconsistent instructions and lack of guidance provided to me as a customer. 

Attached to this complaint are copies of previous correspondence from Chase and photographs of the form filled out at the branch. These documents evidence my attempts to resolve this matter and the bank 's failure to provide satisfactory service. 

I urge the Consumer Financial Protection Bureau to intervene on my behalf to ensure that Chase Bank promptly issues the check for my account balance and addresses the inconsistencies in service that have been detrimental to my experience as a customer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXXXXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. In accordance with the Fair Credit Reporting act 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 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 2024-02-16 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: IL

Complaint narrative:
I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported to TransUnion that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during COVID-19 crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my TransUnion XXXX XXXX XXXX and XXXX XXXX dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX M-F. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all 3 reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX  180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the XXXX point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella 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 2024-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported to XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during COVID-19 crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my XXXX XXXX XXXX XXXX and Equifax XXXX dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX M-F. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all 3 reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX  180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the 40-60 point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported XXXX XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during XXXX crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my XXXX XXXX Experian XXXX and XXXX reports dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX XXXX. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all XXXX reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX 180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX  is proof to me of the unwillingness to accept the 40-60 point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This account was reported for fraud & identity theft ALLY BANK FORWARDED ME LETTERS STATING THE PROBLEM HAS BEEN RESOLVED THEY STATED THEY HAVE CLOSED THIS ACCOUNT FOR SECURITY REASONS & A NEW ACCOUNT HAS BEEN CREATED WITH NEW CARDS BEING SENT TO ME?? I have received the letters but no new card? I called ally bank & all I get is zero answers being transferred for over two hours ending the same no response!

IM TOLD THE ACCOUNT HAS BEEN CHARGED OFF? WHICH IT HAS NOT IT WAS CLEARED THRU FRUAD. NOTHING TO DO WITH ME ACTING IRRESPONSIBLY. I Want my cards sent to me replaced as promised immediately

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have my credit frozen at all three credit bureaus. I received this alert : " Equifax blocked a new credit inquiry The company shown below tried to view your frozen credit file. 

Creditor XXXX XXXX XXXX " I did not authorize or do anything with this group within the last 6 months and they should not be pulling credit reports of me since I did not authorize this. They have a history of opening credit cards for people without express permission. I haven't even visited one of their sites since XXXX. I did not authorize or sign anything at that time nor would I as I know how notorious they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed before and its still there. There are FCRA violations. They need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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:
Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be deleted effective immediately

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 2024-02-16 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT ; I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE FRAUDULENT APARTMENTS RENTAL. THOSE FRAUD ACCOUNT NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX WITH A BALANCE OF {$15000.00} IS A FRAUD COLLECTION ACCOUNT AND I NEVER LIVE THERE OR AUTHORIZED ANYONE TO USE MY IDENTITY FOR THEIS APARTMENT. 



XXXX XXXX XXXX OR XXXX XXXX AT XXXX XXXX WITH A BALANCE OF {$39000.00} IS A FRAUD COLLECTION ACCOUNT AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 



THANK YOU FOR YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT ; I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE FRAUDULENT APARTMENTS RENTAL. THOSE FRAUD ACCOUNT NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX WITH A BALANCE OF {$15000.00} IS A FRAUD COLLECTION ACCOUNT AND I NEVER LIVE THERE OR AUTHORIZED ANYONE TO USE MY IDENTITY FOR THEIS APARTMENT. 



XXXX XXXX XXXX OR XXXX XXXX AT XXXX XXXX WITH A BALANCE OF {$39000.00} IS A FRAUD COLLECTION ACCOUNT AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 



THANK YOU FOR YOUR 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 2024-02-16 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: GA

Complaint narrative:
I received an updated consumer report from your agency and these accounts were verified. Im writing to request a detailed description outlining how the investigation process is conducted by your agency for the accounts listed below.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) Method of Verification Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

XXXX  Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediatelyXXXX XXXX XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. XXXX  Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately.

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 2024-02-16 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: CA

Complaint narrative:
Fully five months after [ Chase Bank } assisted me in opening a Fraudulent Check Claim with Chase 's Customer Claims Department, I still have had no significant response to my business banking reported criminal activity. I did receive two form letters from Chase that stated, " We are still working on your fraudulent check claim, but the other bank has not responded '' [ No period ] That's it! I have had no follow-up to the inquiry at all. I have not received any phone calls, emails, or explorations from your Chase 's Fraud Department, of any kind. I have not ever, even received a phone call from my branch manager, either for fact finding or reassurance, or reach-out. My business, [ @ ] and I, have been a loyal customer for decades, and we've done hundreds of thousands of dollars in transactions and deposits yearly, during that time. This apparent lack of follow through is both unwarranted and inexplicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was scam, someone hacked my XXXX and started making charges twice I change my account, been with bank for over XXXX yrs and never spent that much money. Bank was BB & T and now its Truist. Pls help to get my money back

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 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX  wrote wrong three ( 3 ) policies for my homes insurance. These three homes already had coverages from the mortgage companies, I sent XXXX a declaration forms to prove my case. XXXX acknowledged writing wrong policies, but they had sent me to Credit Collections Services ( CCS ) for unpaid premium. 
On XX/XX/XXXX I contacted XXXX in regards to this issue, XXXX reversed all charges and cancelled all three ( XXXX ) policies from inception, and wrote a letter to ( CCS ) explaining how these XXXX ( XXXX ) policies were written in error and requested for my accounts be deleted from collections. CCS refused it. 
I contacted XXXX again on XX/XX/XXXX ; XXXX XXXX at XXXX XXXX XXXX department also wrote a letter indicating all policies were written in error, and requested CCS to delete my accounts from collection, CCS again did noting about this. 
I went ahead and paid off all debts related to all three policies, because I had lost a XXXX points from my credit report due to these activities. I was also trying to close a mortgage loan at the same time, but paying off those dept didn't make any difference. 
when my issue still persisted, I contacted CCS on XX/XX/XXXX, response I got was that they didn't receive any correspondence from XXXX and they're not doing anything about my issue. Till date, I haven't been able to close my mortgage loan because I'm stuck between XXXX and CCS mess.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief