vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: WA

Complaint narrative:
Experian/Equifax/Transunion have used inaccurate information on the report, list goes as follows. 
XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments. 
The Name, as Listed should be only name on report. 
Any Other Address Besides Listed, shall 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original Creditor ) # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, transunion, and XXXX  are all reporting inaccurate personal information on 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 2023-12-03 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: PA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt 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 2023-12-03 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: NJ

Complaint narrative:
I have dispute fraudulent information through XXXX, Transunion and XXXX for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: NC

Complaint narrative:
XXXX, XXXX, and experian are all reporting inaccurate personal information on 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 2023-12-03 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: PA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: PA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I apologize for having to reach out to you but I have encountered a problem that I was unable to resolve through your normal customer service channels. Moments ago I hung up from a four hour long phone call with one of your agents who was unwilling to assist me. She made it very clear that she could help me but did not feel my concerns were worthy of Chase 's consideration beyond telling me to book directly with the airline or to select a different flight. Considering the circumstances of the situation, I can not believe that a company operating in good faith would view my request as anything but reasonable and would take the appropriate steps to remedy my concerns. I am sure you and your team deal with incredibly complex and nuanced problems but my issue is very simple. I am trying to book this flight itinerary from the Chase Travel website : XXXX XXXX XXXX When presented with this information your agent confirmed what the Chase Travel Website was ( and still is ) offering but she was unable to book this itinerary. When she attempted to use your internal tools to book the flight she was also unable and presented me with alternative options which were roughly {$720.00} more expensive. When questioned about why the Chase Travel website was displaying something that Chase is unable to fulfill she proceeded to have the most illogical, circular, contradictory, and oftentimes confusing position as to why this is permissible and of no concern whatsoever to Chase. Not only does this itinerary still present from the Chase Travel site, each leg of the trip at the fare class advertised is available directly from the airlines. I would take her up on her suggestion to not use Chase and book directly with the airlines at the same cost but I would prefer to use my XXXX Ultimate Rewards points for this trip. 

I do not believe my request is unreasonable - I simply want to use my points to book the flights that are displayed and take my wife to XXXX XXXX for our XXXX. Flights that are advertised directly on Chase and are confirmed available from the airlines at the exact same pricing.

If you ultimately feel my request is unreasonable or if you feel that some subsection buried deep in some travel disclosures document means that this is not something Chase is interested in considering I will take your response, or the response of your team, as final and book directly with the airlines. 

I appreciate your consideration on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Summary : Father ( father ) sent a check of from his XXXX XXXX XXXXXXXX account through online pay to Daughter ( daughter ). Daughter deposited the check through ChaseApp to her Chase saving account. Chase flagged the check and held the funding. Daughter and Father presented the physical check, bank statements of XXXX XXXX  XXXX, debit card of XXXX XXXX XXXXXXXX, State ID, passport, and even a validation letter from XXXX to the local branch. Chase still holds the funding and refused to return. 
Request : Return the funding of back to either Father or Daughter.

Detailed timeline : 1. Daughter opened a Chase account in XX/XX/XXXX 2. Father sent a check to Daughter through online pay of Bank XXXX XXXX XXXX on XX/XX/XXXX XXXX. Daughter received the check and deposited through Chase App on XX/XX/XXXX. The check was cashed out and deposited into Daughters saving account at Chase on XX/XX/XXXX 4. Chase flagged that check as fraudulent and held the checking and saving accounts in early XX/XX/XXXX. 
5. We called Chase multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase told us it is in the hands of back office, fraud department now. We passed all the information to them. 
6. At the request of Chase Bank, on XX/XX/XXXX, Daughter and Father both visited local branch at XXXX XXXX, CT. Presented real ID, password, green cards, debit cards of both parties. The request to return the funding to either Father or Daughter were both rejected.

7. The original check was present to Chase local branch. XXXX in Chase scanned it in.

8. We requested XXXX XXXX XXXXXXXX to send us a validation letter on XX/XX/XXXX. The copy was shared to Chase. 
9. We worked back and forth with Chase and XXXX XXXX XXXXXXXX for one more week but no results. 
a. XX/XX/XXXX Chase called and asked Daughter to go to XXXX XXXX XXXXXXXX and talk with manager XXXX for dispute claim. 
b. XX/XX/XXXX We visited XXXX center at Chases request. Did not work out. 
c. XX/XX/XXXX Chase bank complain escalated line Called. 
d. XX/XX/XXXX. Chase called back. Asked us to call phone number XXXX option XXXX XXXX Still did not work out. 
10. On XX/XX/XXXX we file a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I went to XXXX to get a financing through them and thought I was approved after they forced me into agreeing to a down payment of {$3500.00}, which i didn't know was illegal at the time, then they charged me XXXX above market value for the car in hidden fees and didn't provide insurance. But then all of my payments were through XXXX bank online app which I didn't know wasn't XXXX until they started harassing me, putting derogatory marks on my consumer report without my permission and threatening repossession before the " payment was even due '' even though it was financed with a promissory note that I endorsed, and XXXX bank which is only on the XXXX XXXX, while I'm on XXXX XXXX, won't help me at all unless I go into a branch XXXX hours away from my home but they somehow acquired the XXXX and are using it as blackmail to extort ... on top of that, because all the time I've spent trying to cure the losses I've incurred, I havent been able to afford basic necessities like a phone plan, can't afford routine maintenance on the vehicle in mention and my consumer credit report has taken a massive hit because of XXXX actions which has then made every other lender ive contacted for financing deny me my credit... i was at XXXX for maybe XXXX hours before the deal was done and i left with the vehicle and the original documents I have from that interaction dont mention XXXX or any third party at all, if I would've known that it wasn't through XXXX XXXX would've been skeptical let alone its not through XXXX and its XXXX hours east, 2 times zones away ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: OH

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from all of my credit reports from all agencies effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 



Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: NJ

Complaint narrative:
I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 



Failure to comply shall lead to complaints being filed with XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ADP Inc.
State: WA

Complaint narrative:
I requested a blank check to give to my landlord. Before the check can be issued the Bank/Wisely requires an authorization code, the amount, who it is being written to and this was done on XX/XX/2023. My XXXX XXXX attempted to cash the {$1000.00} check at XXXX XXXX XXXXXXXX and this was denied. They reached out to me and I requested they try again. Again, this was denied. XXXX XXXX, again, asked me to check with my bank and that now I have a {$120.00} late fee along with an {$40.00} XXXX  fee. I called Wisely XX/XX/XXXX and was directed to a supervisor named XXXX, XXXX advised this was their fault due to the representative when giving the authorization code, failed to enter the last two digits of the check number and is the reason for XXXX XXXX XXXXXXXX denying the check. He stated I would be reimbursed for the fees and my original {$1000.00}, for a total of {$1100.00}. I followed up XX/XX/XXXX and was transferred to a supervisor by the name of XXXX. XXXX advised the checks are for personal use and can ONLY be cashed by the person who owns the account. She also advised the {$160.00} is not their fault. I asked for her Manager, an email address, her last name or a phone number. She would not grant any of the requests and she was the last person I could speak with. I explained to her that I have written multiple checks to my landlord and there was never an issue as well as defeats the purpose of a check. I have included an XXXX statement that shows a check cleared to my landlord XX/XX/XXXX rent check of {$1000.00}. As well as XXXX XXXX of {$1000.00}, and XX/XX/XXXX of {$900.00}. This proves the checks issued are not for the owner, these work as normal checks should. Additionally, attached is the stub from my check that was issued and denied by XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: WA

Complaint narrative:
XXXX/Equifax/XXXX  have used inaccurate information on the report, list goes as follows. 
XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments. 
The Name, as Listed should be only name on report. 
Any Other Address Besides Listed, shall be removed.

Company response to consumer: Closed with explanation