vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: IN

Complaint narrative:
Beginning back in 2020 my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXX, XXXX  which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the line of duty who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major surgery or I was in the hospital and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my anxiety and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.

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 2024-03-26 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: IN

Complaint narrative:
Beginning back in 2020 my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXX, XXXX which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the line of duty who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major surgery or I was in the hospital and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my XXXX and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Chase Bank because realized I had a very much lower amount then expected to have in my Debit account for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I only use this card for products on XXXX and XXXX XXXX and XXXX  shipping company called XXXX XXXX. Nothing Else, yet I realized some charges that I didn't recognize were made since XX/XX/XXXX from a company in the XXXX XXXX called XXXX XXXX, varios charges were placed for a full amount of {$560.00} ; I also realized I had withdrawals from a company called XXXX XXXX since XX/XX/XXXX this was also a company from the XXXX XXXX they made various charges for a full amount of {$1300.00} these I knew were all fraudulent charges. So I made sure speak with the fraud department and let them know about both these charges and they said they would help but it would take a few days. 

XXXX comes we still didn't have the money back, we stayed calling and asking for updates but they kept brushing us off by saying they were working on it. In mid XXXX they let us know that they gave us the Money back from XXXX XXXX charges the amount of {$560.00} but they did'nt want to give us back the money for the other company XXXX XXXX acting as if we did'nt make the claim in time because some charges still showed as pending and that we should have made the claim before XXXX  days. They gave us back the money that we did claim after the XXXX  days yet they don't want to give us back the bigger amount from the fraudulent company called XXXX XXXX that we made a claim for before the XXXX  days. I visited the bank and tried to fix the problem but the banker just filled a complaint and now it officially been weeks and no update has been given.

I have proof that all this info is correct I would appreciate any help as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

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 r
eport 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. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-03-26 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: 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 XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not accurate XXXX XXXX XXXX : Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: DE

Complaint narrative:
I am writing to follow up on my previous complaints regarding the unverified and unauthorized negative accounts listed on my credit report. Despite my repeated efforts to dispute these incorrect items, they continue to be reported, causing significant distress and inaccuracies in my credit profile.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank makes it difficult to may payments on their accounts. In turn it positions them to charge lots of fees and lowers customer credit lines. I am able to see my accounts online, but can't make a payment. To make payments I have to blindly trust the automated system or wait to speak with an agent. I never received a card. Yet, they can't see that neither do they help customers that would possibly be at a disadvantage because of this.

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 monetary relief
Consumer complaint received 2024-03-26 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: 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. 

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized inquiry, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I am a customer with flagstar bank, I was supposed to be sent a cheque for XXXX XXXX on my escrow account. Flagstar said they sent me check on XX/XX/year>. I haven't received the check and called them multiple times so far. At last they found out that they sent check to different customer. 

Amount in discussion is XXXX XXXX instead of correcting the issue they are bothering me to sign an affidavit form and notarize it which costs again me money ( they asked me to send a indemnity form already, which i did on XX/XX/year>. They are causing me lot of stress and financial distress since XX/XX/year>, its been already close to 3 months now and making me suffer all this long. Please help me get my funds without me having to bother this much.

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 2024-03-26 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 review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-03-26 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-03-26 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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