vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 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: MN

Complaint narrative:
In XXXX of XXXX  i decided to check my crecit report because i was denied credit.. Well i noticed a credit card that had been maxed out and a bounch of inquiries that i didn't authorize or have knowledge about.. So i disputed these issues with TransUnion and they claim that the account and inquiries been verified.. How? I sent them the police report stating it is identity theft, so I'd like to know how they verified these inquiries and the credit card?

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 2024-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
~ XX/XX/XXXX I noticed an unknown account posted as collections onto my credit report for ~ $ XXXX ( Rounding, as this debt collector continues to change these amounts ) and I filed a dispute letting all 3 credit bureaus know that this account is not mine and I have no agreement/relationship with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX later learning this company has been dissolved since XX/XX/XXXX ) ~ XX/XX/XXXX, I received a response from Experian stating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I then asked for further investigation and received the same response, " Reinvestigation Info. This item remained unchanged from our processing of your dispute in XXXX XXXX. '' XXXX stated " Dispute resolved '' No changes made. 


~ XXXX XXXX XXXX XXXXXXXX has viciously reported balance increases every month at different amounts to different credit bureaus with added remarks and repeated illegal false reporting, further violating my rights and impacting my credit. 

~ XX/XX/XXXX To date, I am continuously denied loans & housing due to their false reporting. Discrepancies on these accounts that aren't mine show as follows : - XXXX " XXXX XXXX XXXX '' [ spelling shown is exactly what presents on report ] " original creditor '' " {$10000.00} '' " open balance '' " opened XX/XX/XXXX '' increased balances over past year - Experian Account Name XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$10000.00} Balance Updated XX/XX/XXXX Original Balance {$9000.00} Terms 1 Months On Record Until XX/XX/XXXX Credit Bureaus have not done their due diligence. Over the past year and a half this company has not only harassed me repeatedly, they have also severely impacted my credit and my ability to seek loans & housing for me and my child with their false reporting. Not only is XXXX XXXX XXXX and XXXX XXXX XXXX dissolved/inactive companies, they are also false reporting and using deceptive tactics under " XXXX XXXX XXXX '' while still DBA " XXXX XXXX XXXX '' I have no agreement, contract, nor any relationship with either of their companies. They can not be an original creditor when they haven't been an active company since XXXX. Because it is illegal to report false and inaccurate information, this should be removed from my report 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 2024-06-29 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

I looked at my EQUAFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
Account : XXXXXXXX XXXX XXXXXXXX {$330.00} Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. Furthermore, Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX, at XXXX, I received a text message from Chase stating that they need more information about my Chase accounts ending in XXXX ( my checking account ) and XXXX ( my saving account ). The text message asked me to call them or my accounts may be closed soon. I called them at XXXX but no information or questions were asked, instead, they told me Chase has decided to end relationship with me and my saving and checking accounts will be closed. I asked them what information can I provide to keep my accounts open and they told me there was nothing I could do and my accounts will be closed. 

On XXXX, I received a notice on my Chase mobile app stating 'Due to recent activity, or because we need more information from you, we have restricted your account ( s ) ending in XXXX, XXXX and may close it soon. Please act quickly to better understand the restriction on your account you may be able to provide information needed to keep it open. ' However, when I called them again, they didn't ask me or provided me with any information but only told me my accounts will be closed. 

On XXXX morning, I went to a branch of Chase . The banker told me the same thing that my accounts will be closed and there was no way to recover or appeal. They didn't provide me with any reason nor asked me any information. At the mean time, I asked the banker about my CD account and was told this account was not affected. As a result, I decided to close my CD account and get my money back. The banker called their back agents to confirm whether I can get my money in CD and he was told there is no problem doing that and I would get my money back in a cashier 's check right away. However, after he closed my CD account, he couldn't generate a cashier 's check for me. After he called multiple departments, I was told I couldn't get my money in CD back now. 

As of now, the {$860.00} in my checking account ( end in XXXX ), my {$50000.00} in my saving account ( end in XXXX ), and my {$80000.00} in my CD account ( end in XXXX ) are all restricted. 

I only use my Chase accounts to transfer money with my friends or families. I have attached my bank statements. The only thing I recall that might affected my accounts was that in XXXX, I received multiple transactions from multiple people that I don't know. There were 4 XXXX transactions on XXXX and 2 XXXX transactions on XXXX from people that I don't know. When I noticed these on XXXX, I called Chase Fraud Department right away and told them the situation. The fraud department helped me reversed these 6 transactions.

I personally didn't do anything wrong. I even helped Chase protected their customers by contacting them when I found these miscellaneous transactions. I helped Chase fight against fraud! But Chase just close my accounts and hold my money for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXX. XX/XX/XXXX : I went to bank with mothers death certificate, they informed me that no beneficiaries were listed on her account. Turns out this is because mom had XXXX and would report her check book as being missing so they issued her a new account number thereby nullifying her beneficiaries. I needed to get letters from probate court. 
XXXX. XX/XX/XXXX : I was issued Letters of Administration by the County Court. 
XXXX. XX/XX/XXXX : Went to Chase Bank branch office with LOA, Death Certificate and notarized letters of instruction. The instructions specified the Fidelity Estate Account that Chase was to transfer the money to. Bare in mind that XXXX uses a Chase Bank account of their own to perform wire transfer and the instructions, given to me by XXXX were conveyed in the instructions that I gave to my Chase Branch. The Chase people at my branch were great and provided good service. Somewhere their back office is dragging their feet. 
XXXX. XX/XX/XXXX : Call the deceased customer division at Chase and inquire as to why the funds have not yet been wired. Response was, we can't wire the money, you'll need to provide us with different instructions. They can't move money from Chase to Chase? 
XXXX. XX/XX/XXXX : Went into Chase Branch again with new notarized letter of instructions this time to simply write a check and send it to me. I will manually to the XXXX XXXX and deposit it, if they ever get around to complying with the court order. 
XXXX. XX/XX/XXXX : Writing this complaint because it should not take so long to write a check. They have known this day was coming since XXXX of XXXX when I went into the branch office with my mothers death certificate. 
XXXX. Since the CD 's in the account were closed in preparation for the wire transfer that did not get accomplished back on XX/XX/XXXX, the money ( about XXXX ) is not gaining the interest for the benefit of the estate but is for the benefit of Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XXXXXXXX XXXX  and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
They stole my financial aid company and have allowed their employees to manipulate their business practices to defraud and steal from their clients. they continue to ask for personal information from me with no help and refuse to take note of all complaints XXXX have reported to HR via email. I have proof of everything even phone calls to their fraud deparment with the Chime banking company. As an XXXX, I feel it is only right that I receive some support during this time. I have been nothing but patient with this company, considering the situation transpired in XX/XX/year>. This situation has changed my financial security tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I signed a car lease with my ex partner back in XXXX and we've been broken up since XX/XX/XXXX. We agreed on the payments and responsibility would be on them and not mine. I just found out last month that my credit score has been affected because my ex-partner wasn't been making any payments ; for the amount of XXXX and the remaining balance of XXXX. I've tried reaching out to them about the finance company wanting the payments and car back but she has ignored my messages and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : # XXXX. 
XXXX XXXX XXXX - XXXX ( Duplicate of the same accounts on record ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - # XXXX There are also incorrect current/previous addresses and employers list from XXXX and XXXX. 

XXXX - My previous addresses have typos and employers are incorrect. 
XXXX - Current and previous address are incorrect 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was 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 explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
Can you remove these inquiries? I dont know anything about them, and the company did it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
Account : XXXXXXXX XXXX XXXXXXXX {$330.00} Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. Furthermore, Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2024-06-29 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: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is the fifth time trying to resolve this matter. Ive contacted them via phone and email and they havent even been able to locate my account yet its showing on my credit report. I have never been a customer of XXXX in any capacity whether through XXXX XXXX or XXXX XXXX. I HAVE NEVER ENLISTED IN THEIR SERVICES FOR ANYTHING.

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