vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: NM

Complaint narrative:
I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my 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 non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: NM

Complaint narrative:
I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm XXXX XXXX XXXX. I no longer have debt, make no payments, do not have any credit cards. I use only XXXX debit card. I own my XXXX homes, XXXX cars, furniture and appliances. 

I want to make some minor home improvements. XXXX XXXX was asked by my contractor to open a loan for me to do the work. 

XXXX contacted Experian for a credit score. Experian said they have no file on me. 

XXXX denied the loan request. 

I can easily prove I have been a responsible debt payer ( utilities, healthcare, taxes etc ) for about 60 years. And previous had mortgage and car payments as well as XXXX credit cards. 

I want Experian to issue a Credit Score for me.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account- XXXX, XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am not liable for any debt with CAINE & WEINER. I did not and do not have any business with CAINE & WEINER. I do not have a contract with CAINE & WEINER and they have not provided a original contract as I requested. 
This company is violating my consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LJ Ross Associates
State: FL

Complaint narrative:
I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Destiny continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AMEX/CBNA Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
15 u.s.c 1681 congressional finding and statement of purpose .please removed hard inquiry off my credit report

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, I asked my father to deposit a check in my checking account to bring my account current. He deposited the check. I went to a local Chase branch in XXXX XXXX XXXX on XXXX and XXXX XXXX and asked a teller if there would be a hold on the check. I was told by the teller that there would not be a hold and that the check would clear on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and there was a hold on the check. I then drove to the Chase branch on XXXX XXXX in XXXX XXXX, NV and inquired with the teller as to why a hold was put on the check. I was told by the teller that the check was on hold until XX/XX/XXXX. I inquired into the reason when there was no initial hold. He told me he didn't know why and that I would have to call the XXXX XXXX number. I then asked him if I could close my account. I was told that I could not close my account because of the pending check. I asked if we could have the check back since it didn't clear so my Dad could send money by other means and I was told that I couldn't. I then left. 

I called the XXXX number from my car and explained the situation to customer service. I was told that I had to speak to the Check Clearing Dept. After being on hold for 20 minutes, I was told that the reason the check was put on hold was that " XXXX XXXX flagged the check and stated to not clear the check. '' I was told that I would need to contact the person who gave me the check and have them contact XXXX XXXX as to why it was flagged. I then texted my Dad to find out if he had an issue with his bank account because Chase was stating that the check was flagged. He looked online on his account and the check already cleared on XX/XX/XXXX. We then called XXXX XXXX and were told that they never flagged the check nor did they state to not clear the funds. They stated the funds were already sent to Chase. My Dad filed a claim with XXXX XXXX regarding the matter. The claim # is XXXX. 

I then contacted Chase again via email to try and get some kind of clarification why they would state that XXXX XXXX did not clear the check when it already cleared. I received a canned email message from Chase stating there are many reasons checks do not clear but still no reason. At this point, I am receiving multiple emails a day from Chase stating my account is Overdrawn yet they will not apply the funds to my account. In addition, they continue to charge me fees even though they had received the funds. They also will not allow me to close my account. This situation has resulted in me not being able to buy food for my family or be able to pay my mortgage. If I had been made aware that there was going to be a hold, I could have gone and cashed the check somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX I made a deposit to a hotel at XXXX XXXX XXXX for XXXX dollars. On XXXX the hotel realized the funds to be returned into my account. The money that was supposed to be returned never got returned into my account. I called my bank to see what was going on with the funds that's supposed to be returned to me and eveytime I call I get a different story on what's happening with my money. So they say on XXXX the funds was supposed to be refunded in to my account and never was. The representative that was talking to me was telling me that they supposedly put XXXX ik my account which already was $ XXXX and mad my account balance $ XXXX so if they put {$220.00} in my account why is my account negative when they where supposed to be returning {$220.00} to my account. I continued to try to explain to my bank that if they added XXXX then my account shouldn't have been negative amount but she kept saying the same thing over and over. So I tried hanging up and calling back and over and over, and every time I called a different person would answer and has something different to say every time switching up the story on what happend to my money. So I finally called one last time and asked to speak to higher up manager and was told something different about what happend to the money that's supposed to be sent then in the middle of me talking and trying to figure what's going she hung up on me. My problem still has not been resolved on I been waiting for over a week and a half now and still have no resolved issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2023 I wrote a letter to all 3 Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a XXXX XXXX XXXXXXXX of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Re : XXXX XXXX ( Experian report number ) # XXXX my Social security # XXXX my address : XXXX XXXX XXXX 
XXXX, WI. XXXX ( XXXX ) XXXX Email : XXXX unresolving Issue Re : XXXX XXXX XXXX  Account number XXXX Account type Collection Date opened XX/XX/XXXX Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
This account is continuously reporting negative account information the above account has been included in my bankruptcy XXXX XXXX filed XX/XX/XXXX and was discharged XX/XX/XXXX in case number # XXXX this information keeps reporting and experian keeps reporting it as negative information

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Good evening, I had reached out to this financial institution to make a change to my credit card account so that I could activate a new card and my online portal, but the representatives and manager, " XXXX, '' actively refused to assist me despite me conversing in a professional manner. The information that they had incorrectly entered into my account is the phone number on file. 

I have another case already open with the CFPB regarding this issue, however, I received a document in the mail today from Capital One that I am perceiving as a direct threat to my life without reason or provocation. Instead, I have only tried to communicate in a professional and polite manner but have only been met with hostility, instigation, harassment, veiled threats, and a clear and present manipulation and fabrication of evidence. 

I am communicating though the CFPB as I do not feel safe speaking with Capital One directly. I am very afraid for my life at this time that they may escalate their attacks against me. 

At this time, I have no intent to continue banking with them, communicating with them directly, and I will never do business with them in the future. 

I am attaching a copy of the veiled threat that I received from this business this afternoon. 

Instead, I request only the following reparations : My personal information to be deleted and a receipt of destruction mailed to my residence. 

Documented evidence that any and all accounts in my name have been closed. 

Credit report repair. I'd like their card and inquiry to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
PedFed is the finance company and XXXX XXXX XXXX is the car dealership. Finance company claims that I have a loan with them, but I never signed documentation for a car loan. I have requested a copy of documents from wet signature and have not received them. Request made over 120 days ago.

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