vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
There is an account that is incorrectly reported into my credit profile. I have no affiliation with company. Transunion is incorrectly reporting data

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As of Today, Experian supplied a false creditreport to XXXX XXXX  and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to XXXX and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.

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 2022-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the XXXX XXXX account # XXXX XXXX  just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active TransUnion XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!

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 2022-10-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, and, Account # XXXX. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 604 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.

Experian claimed this was not reporting on my credit report so I will add whole credit report.

Thank you

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 2022-10-03 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: MD

Complaint narrative:
It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}

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 2022-10-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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 XXXXXXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-02 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: CA

Complaint narrative:
the XXXX XXXX account # XXXX XXX just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active XXXX XX/XX/XXXX XXXX XXXX XXXX and Equifax XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: CA

Complaint narrative:
the XXXX XXXX account # XXXX XXX just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active XXXX XX/XX/XXXX Experian XXXX XXXX and XXXX XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!

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 2022-10-03 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: CA

Complaint narrative:
XXXX checked my credit when I told their agent that my credit is locked. Somehow a letter came back to me saying I have to much credit. My question is why did equifax open a locked credit report and then come back to me and said improper use of your report. This time instead of running around the issue I want to know what equifax is going to do about it. I don't want to get into litigation but what use is it to have a locked report that anyone can use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2022, I received an alert for a new credit inquiry from Bank of America. I immediately called Bank of America to inquire about the credit pull since I had not personally requested or applied for any new line of credit from Bank of America. After thirty minutes on and off several phone calls, once having been hung up on after being placed on hold, I was given a direct phone number to the Bank of America credit department. On XX/XX/2022, I reached out to the Bank of America credit department, who confirmed, indeed, there was a credit pulled on XX/XX/2022 for a XXXX XXXX XXXX. An investigation into a fraudulent application was initiated per Bank of America. I strongly believe that, instead of a fraudulent application, Bank of America illegally proceeded to pull my credit without my consent. On XX/XX/2022, Bank of America asked me to update my income on signing into my online account. I strongly believe they proceeded to run my credit without my consent based on my updated income. This inquiry into my credit is increasingly troubling for me at a time with rising interest rates and with me locked into a fixed XXXX ARM. I intend to proceed with any legal means if my credit score decreases secondary to this inquiry that I did not initiate. I strongly believe this as a result of UNFAIR PREDATORY LENDING PRACTICE by the institution. I have never experienced this problem with Bank of America in all of my seventeen years of relationship. Moreover, I have not used my Bank of America credit card in over one year, so there was no need to provide another credit. I am counting on your institution to hold Bank of America accountable for this illegal practice that has significant financial and emotional stress to consumers. No consumer should have to endure this greedy practice from any bank let alone a giant institution like Bank of America. Looking forward to an investigation into this practice and ultimate substantial consequence for their lending practice. I truly appreciate your work and look forward to hearing from your department.

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 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This letter is in response to your correspondence sent on XXXX, XXXX, XXXX regarding unauthorized charges on my American Express corporate account totaling {$42.00}, XXXX and your correspondence sent on XXXX, XXXX, XXXX regarding re-billing of unauthorized charges of {$10000.00} that were credited to my account in XXXX, XXXX. Billing reference # XXXX and # XXXX. 

American Express reversed the credit of {$10000.00} XXXX months after the investigation closed and {$42000.00} over XXXX months after the report was filed on XX/XX/XXXX. 

I am reasserting once again that the billing errors on my account have resulted from the unauthorized activity. I am reasserting once again that I have not shared my account numbers with anyone. 

Please, provide me with documentation supporting your decision to deny the claims. 
I need to see documentation regarding each charge that was reversed as well as copies of signed receipts. 

I am requesting that you reevaluate your decision, and adjust my upcoming billing statement. 

In addition to unauthorized charges on my American Express account I have not been credited for a charge in the amount for {$10000.00} that I disputed XXXX times for item not received. The charge posted to my account on XX/XX/XXXX. I have provided American Express with plenty of documentation to support my position. Please, review my documentation and issue proper credit. Thank you. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  account on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

Experian 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 2022-10-03 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: MI

Complaint narrative:
This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On Sunday, XXXX XXXX at XXXX I received a notification on my phone from my Chime app with an unauthorized charge of {$100.00} from XXXX XXXX XXXX. When I received this charge I was currently getting off the bus walking to my job. I waited for the purchase to process before attempting to disputed the transaction. When the charge of XXXX posted on my account on Wednesday XXXX XXXX I attempted to dispute the transaction on my own the only option was for them to cancel my card and send me a new one. I did not choose that option at first because Chime debit card is my primary card. I then called into chime on Wednesday XXXX XXXX to explain my there was an unauthorized charge place on my card and I would like to file a dispute. The representative explained to me he would be able to file the dispute but he would also have to cancel my current debit card. I explained to how Chime is currently my primary debit card. The representative assured me it would come quick and I will also have a temporary card I can use. I agreed and filed my claim and canceled my card. A few hour later I received a email stating I was declined for my credit for the {$100.00}. I called back into Chime customer service and spoke with someone else. They told me I could do a rebuttal for my claim and add any information to support my claim. I stated to them I was at work at the timing of the transaction. I do not have anything to sow for that purchase. They helped me put in another rebuttal and again within a hour I was denied again. I have provide Chime with a video and photo of my work schedule for the entire month of XXXX showing them I was clocked in at the timing of the purchase and they declined me. They keep telling me to do rebuttal 's I have filed about 5-6 rebuttal 's on this charge since XXXX XXXX and within a hour I receive an email telling me they will not change their decision on returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: NJ

Complaint narrative:
My name is XXXX XXXX and I am a federally protected consumer. According to the Fair Credit Reporting Act 15 U.S. Code 1681, consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Reasonable procedures of fairness and accuracy equitable to the consumer. Proper investigations and verification are to be done BEFORE furnishing any information to my consumer report. I have incurred GREAT damage to my person and financial injury. 
You are hereby notified, pursuant to UCC 1-202f. Your prompt attention and response is both requested and required.

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 2022-10-03 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: NC

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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