vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: TN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

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 2024-04-10 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: TN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/2024 I purchased a 4 night stay at the XXXX XXXX for {$650.00} from XXXX ( fully prepaid ). 

On XX/XX/2024 after completing my trip, I noticed XXXX new charges on my Citi Costco XXXX which were unapproved and unauthorized for {$470.00}, {$410.00}, and {$63.00}. This stay was prepaid and I incurred no charges on my stay. I disputed all XXXX charges with Citi. The first for {$470.00} was approved and credited while the XXXX XXXX were rejected due to " not enough information provided. '' Citi will not respond when asking what further information is needed. XXXX claims my stay was " wiped clean '' and " does not exist. '' They refuse to send me receipts of my stay and costs incurred there. I challenge Citi as clearly they did not investigate. I have been charged by XXXX and XXXX double for the same stay and only the XXXX charge is legitimate. I can not get ahold of anyone at Citi to provide detailed information on why this unapproved unauthorized charge was rejected

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A lot of time I get call for credit debt Collection sometimes matches my information sometimes not. But I never try to open any credit card after my first credit card charged from unknown sources, then I never had any credit card but a lot of time I get calls and email from different companies about my payment but I never had those account. Even I saw a lot of car loan requests after I tried to buy a car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 
But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. PLEASE DELETE THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2024, while attempting to book flight tickets on XXXX XXXX website, I came across a promotional offer from Chase Bank that advertised a {$300.00} reduction in the booking price. The promotion outlined two steps : Step 1 : Apply for a Chase credit card.

Step 2 : After card approval, continue booking on the XXXX XXXX website. 

I proceeded to apply for the Chase credit card, and my application was approved. However, right after the card approval, Chase website didnt transfer the correct information to XXXX XXXX and the promotional credit wasnt applied. The message further informed me that I would need to wait 5-7 business days to receive my physical card in the mail before I could use the card. 

Feeling baited and trapped, I reached out to Chase 's customer service for assistance. Unfortunately, the representative was unable to provide any meaningful assistance beyond noting my request ( XXXX ) to expedite the card delivery. 

I feel deceived by this experience, as I did not receive the promised benefit of the promotional offer and incurred a negative impact on my credit score due to the credit card application filled under false promise. Moreover, I was put in a position where I had to forego booking the flights at the discounted rate due to the delay in receiving the card.

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Chase Bank for misleading and baiting customers with false promises. I would also request to ask Chase to rectify this situation by offering compensation for the loss and prevent similar occurrences in the future. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
3 Credit bureaus XXXX  XXXX TransUnion doesn't do their own investigation. They request information from one another these companies give them. Any information they say it Accurate. Instead of doing their own investigation,,. I can not upload documents to these companies .block from dispute. .center My Credit report is horrible Due to incorrect information XXXX years old can not retrieve credit no due to information. These companies have. I. Have same address many years nothing EVER DELETE Off Credit report everything added. I want my credit report cleared delete old information. Off my report. I have to hire veterans affairs attorneys maybe l can get 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 2024-04-10 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: FL

Complaint narrative:
PLEASE SEE ATTACHED!!! 

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined and attached the following incorrect late payment below. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
There are some hard inquiries from XXXX XXXX and XXXX on my credit report that I did not authorize.

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 2024-04-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some hard inquiries from XXXX XXXX and XXXX on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 
But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. PLEASE DELETE THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-04-10 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: AL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2024-04-10 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: AL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding PNC BANK, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to PNC BANK. 

Upon information and belief, PNC BANK received notification of my credit bureau dispute. PNC BANK did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the PNC BANK Account. 

Upon information and belief, PNC BANK failed to instruct the credit bureaus to remove the false information regarding the PNC BANK Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the PNC BANK Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did PNC BANK and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by PNC BANK rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the PNC BANK Accounts to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, XXXX, Equifax, and XXXX have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.

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