vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: IA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-27 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: IA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft. The accounts in question are : Creditor Name : XXXX XXXX XXXX Amount Owed : {$860.00} Date ReportedXXXX

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 2024-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pankey & Horlock, LLC
State: GA

Complaint narrative:
XXXX XXXX HOA Board of Directors, located at XXXX XXXX XXXX XXXX, XXXX XXXX, GA is attempting to illegally seize and sell my home. I have been submitted to abusive financial tactics for more than a year after a " common '' pipe break destroyed my home They fixed the leak and settled on a Proof of Loss, but then engaged in collective duplicitous tactics ( as a group ) to delay and block settled funding to restore my home as they are required to do according to the current bylaws. XXXX XXXX, the HOA front office manager and XXXX XXXX, the owner of the HOA insurance company XXXX XXXX XXXX XXXX, were primary in blocking the funds for restoration ; however other members of the HOA were also aware of the continuing theft. A demand letter was sent to one of the HOA attorneys, XXXX XXXX of XXXX XXXX XXXX in XX/XX/year>, but after verbally acknowledging receipt, Attorney XXXX ignored the letter. All of these actions combined have caused extreme financial and medical trauma. I am XXXX yo, and I have had SSDI as my sole income since I was XXXX due to XXXX XXXX. My home is still unlivable, and they have now filed a lien and are trying to force a sale for well below the value of my home. I would like to claim hardship immediately and sell my home at the proper price. These people have been openly XXXX towards me and I'm fairly certain they've used these tactics with other homeowners. The HOA collection attorneys are XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, GA. I want to move but they are trying to destroy me. Please assist if possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-07-27 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Contrary to what was provided I did call end clothing about a refund on XX/XX/XXXX as provided in photo and they told me I had to dispute with my bank. As proved they already lied about not reviewing their phone calls about me requesting to return a mishandled product as they assured me they sent the right product but I sent proof that they sent the wrong size and as a consumer Im Protected in returning a mishandled product which was the wrong size as I wouldnt be assured a refund. I received the wrong size as pictured and they refused to accept a return or replacement so as my bank I believe Im entitled to a refund as I took every necessary step to resolve this with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I tried to open a new High Yield Savings account with Bread Financial. I was denied and was not given any reason as to why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX I placed an order for XXXX XXXX XXXX XXXX with XXXX XXXX  for the amount of {$760.00} I did not receive this order for whatever reason. I disputed this with Chase and they sent me correspondence stating that they found the charges valid for the reasons that the charge was made in person and made available for pickup. That was not the case the merchant shipped it. Im based in California and the merchant is based in XXXX. I have never been to XXXX so that would physically be impossible. I have provided photo evidence that they shipped it. 
They didnt solve my dispute with other any evidence they resolved it saying they dont use the proper procedure so I shouldve been dude a refund as they never submitted any evidence saying it was delivered instead they said it was not picked up which is what I had said initially

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc.
State: FL

Complaint narrative:
I contacted the Brigit company on XXXX XXXX XXXX, for reporting three late payments to the credit bureau which is false!! I have attached the email communication between me and Brigit company via email! I also have screenshots of the payments made by me and Brigit company on my credit profile on their platform to show the lies and violations of the FCRA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo Auto Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

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 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My checking account at the Bank of America was compromised fraudulently by a company on XXXX XXXX twice for {$9000.00} and {$6000.00} and again on XXXX XXXX for {$9600.00} unknown to me as I have monies going into that account directly so no need for me to go to bank regularly as my accounts run themselves and me being in and out of hospital around that time I wasnt checking regularly so when I noticed recently for tax purposes I immediately claimed this fraud and the bank refused me a refund even though it was fraud saying they notified me through an alert which is false I dont have online banking nor did I get or am I signed up for alerts so I want my {$24000.00} returned to my account immediately as this is fraud and the bank is refusing to do so when I am covered under this fraud thank you 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXXXXXX 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 2024-07-27 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: RI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: RI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
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 2024-07-27 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: MI

Complaint narrative:
I pulled my credit report I few times I noticed fraud accounts closed and open I reached out to have them removed they came back as verified these accounts are not mine and its affecting my credit with inaccurate, unauthorized information and accounts please remove them.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-07-27 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 2024-07-27 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I pulled my credit report I few times I noticed fraud accounts closed and open I reached out to have them removed they came back as verified these accounts are not mine and its affecting my credit with inaccurate, unauthorized information and accounts please remove them.

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 2024-07-27 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: MI

Complaint narrative:
I pulled my credit report I few times I noticed fraud accounts closed and open I reached out to have them removed they came back as verified these accounts are not mine and its affecting my credit with inaccurate, unauthorized information and accounts please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a parking ticket from XXXX XXXX XXXX XXXX in XXXX North Carolina. I called because I lost my ticket and wanted to pay the amount I owed on the ticket. When I call and gave them my information the ticket was resolved and 3 days later I got another charge for the same amount. So in total, I have been charged {$160.00} dollars for a ticket that was only {$80.00}. This needs to be fixed 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