vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXXXXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXXXXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.

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 2023-09-17 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-17 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: VW Credit
State: CA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ VW CREDIT INC XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OK

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and do not have a contract with Consumer Adjustment Company Inc./CACi. They did not provide me with the orginial application like I asked and refuse to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im requesting this removal utilizing 15 USC 1681e ( b ). Please assist me with removal of this item which is not verifiable through the bankruptcy court. Thanks in advance

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im requesting this removal utilizing 15 USC 1681e ( b ). Please assist me with removal of this item which is not verifiable through the bankruptcy court. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I did not authorize this XXXX that was charged. By XXXXXXXX XXXX for Bank Of America to charge this XXXX I notified them n was wrongfully reversed plus they have for months been charging me this illegally XXXX month fee witch I have not been using any of this bank services

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 2023-09-17 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: FL

Complaint narrative:
on XX/XX/2023 XXXX XXXX XXXX sent correspondence to the Florida department XXXX XXXX in regards to any contract as it pertains to any debt claimed. 

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON FLORIDA DEPARTMENT OF REVENUE CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via XXXX XXXX mail, and received on XX/XX/2023 at XXXX XXXX XXXX XXXX, FL XXXX XXXX provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for THE FLORIDA DEPARTMENT OF REVENUE has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, Experian, XXXX, and XXXX to no avail.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of XXXX, JPMCB/ Chase Bank listed a credit card account as charged off to all 3 credit bureaus. The account has remained as " charged off '' since and there has been no update to the status of the account, no payments made, and no card activity since XXXX XXXX. In early XXXX, JPMCB/ Chase Bank incorrectly reported the account as charged off XX/XX/XXXX. 

They have improperly changed the charge off date which has caused my credit score to drop across all 3 bureaus. I was able to successfully dispute the record with XXXX but I am waiting to see what XXXX and XXXX will do. In the meantime, credit is damaged and I am concerned that my current limits may be cut or have my accounts closed as a result of this JPMB error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: GA

Complaint narrative:
I want these inquiries deleted because I did not authorize these companies to run my credit. 

I have two  inquiries from Capital One on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file-is incorrect : ( XXXX  XXXXXXXX XXXX XXXX  ) Account # ( XXXX ) The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. I look forward to resolving this matter quickly Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, 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 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Credit Reporting and Unauthorize and Unnottifice Charges by " Banco Popular '' Lack of Transparent Communication : " Banco Popular '' charges a membership fee to all credit cardholders, but does not adequately notify customers of this charge. As a result, many cardholders are unaware of the fee and do not pay it. 

Unethical Reporting : Without prior notice to the customer or verification that the customer is aware of and agrees to the charge, " Banco Popular '' reports the unpaid fee to credit bureaus as an unpaid debt. This can be considered unauthorized credit reporting, as customers were not given sufficient information to consent to the charge.

Negative Credit Impact : This reporting affects the customer 's credit report and potentially lowers their credit score, causing long-term damage to their financial health. Customers are not given a chance to rectify the situation before it impacts their credit history. 

Absence of Remedial Measures : Unlike other financial institutions that provide customers with alerts or options to dispute unauthorized charges, " Banco Popular '' does not offer an easy method to contest or become aware of this membership fee before it becomes a problem. 

This practice could potentially be deemed unethical or even illegal depending on the jurisdiction and specific laws regarding financial practices and consumer protection. If you or anyone else is experiencing this, it would be advisable to consult legal experts or financial advisors for personalized advice on how to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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:
I had an incorrect account on my consumer report. I disputed this account 3 times. They did no investigation on this account. I was never contact nor any of my neighbors or my close family. They were asked to show proof of the results from the investigation, witness etc, but could not provide that information. I'm constantly getting denied for things because my reputation has been ruined. Now they have made changes to the account which is admitting that this account has had false information. Remedy is deserved, due to my reputation being ruined and laws being broken.

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 2023-09-17 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: CA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy.

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 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Apple Card regarding an incident that occurred on XX/XX/2023, which has left me deeply concerned and dissatisfied with the services provided by the company. 

On the aforementioned date, I received a notification from Apple Card stating that my card had been " restricted. '' The notification did not provide any specific details or reasons for this restriction, leaving me bewildered and worried about the status of my card. 

The only potential reason I can fathom for the restriction is a transaction I made on Friday morning ( XXXX monthly installment for {$880.00} ), which may have been deemed unusual by the company 's systems. However, I promptly verified this transaction through the Apple Card app, confirming that it was indeed me making the charge. I expected this action to resolve any issues related to the transaction and assumed that my card would function normally thereafter. 

Subsequently, I received a phone call from Apple Card, which I missed due to a prior commitment at work. I have since been diligently attempting to contact the company to gain clarification regarding the card restriction and to resolve this matter. Unfortunately, my attempts to reach out to Apple Card have been met with limited success. The only response I have received is that my card is currently under review, with no indication of a specific timeframe for resolution or further communication. 

This situation has left me feeling not only frustrated but also concerned about my financial security and the protection of my personal information. The lack of transparency and information provided by Apple Card regarding the reasons for the card restriction is deeply troubling. It leaves customers like me in the dark and without proper knowledge of why our cards have been restricted, thereby hindering our ability to address and rectify the situation. 

I firmly believe that this situation is not only unfair but also unacceptable. As a loyal customer, I deserve to have my concerns addressed promptly and to be informed about the status and reasons for any actions taken on my account. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and ensures that Apple Card takes appropriate measures to rectify this issue promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. Thank you for your assistance in addressing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: IL

Complaint narrative:
I haven't applied for any educational training. I think someone is using my name.

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 2023-09-17 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: IL

Complaint narrative:
I haven't applied for any educational training. I think someone is using my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: IL

Complaint narrative:
I haven't applied for any educational training. I think someone is using my name.

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