vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to remove an delete all inaccurate information that is listed on my files to clear my report. this has been an on going issue that needs to be resolved asap. checking all the data this is holding my file back from being clear. please review an delete all errors to help my credit report asap.

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 2023-06-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023, XXXX  told me they got my information and the dispute letter I sent to them, but they did not investigate it since they thought it was not authorized by me, but rather a credit repair company. 
On XX/XX/2023, Experian also sent me a letter thinking it was not authorized by me, the dispute letters I sent them, so this is becoming unfair because I AM the individual writing out these letters and wanting information sent. 
XXXX & Experian has been XXXX  me for months and I am getting angry and really annoyed with them because my rights as a consumer are being played with. How is it within my rights to challenge something or anything of that matter that I feel is wrong but every time I get the same letter back from them. 
Please advise and help me fix this, 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 explanation
Consumer complaint received 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} comments : Not Mine XXXXXXXX  XXXX Balance : {$1300.00} comments : Not Mine XXXXXXXX XXXX XXXX  XXXX Balance : {$490.00} comments : Not Mine XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXXXXXX XXXX XXXX  XXXX Balance : {$2400.00} comments : Not Mine XXXXXXXX XXXX  XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXXXXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine Transunion : XXXX : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not XXXX XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX  XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX  XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not XXXX XXXX XXXX XXXX  XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : 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 2023-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : XXXX : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX  XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance XXXX {$1100.00} comments : Not Mine XXXX : XXXX : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not XXXX XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX  XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not XXXX Equifax : XXXX : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments XXXX Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : Experian : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX  XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance XXXX {$1100.00} comments : Not Mine XXXX : Experian : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not XXXX XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX  XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine XXXX : Experian : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : 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 explanation
Consumer complaint received 2023-06-11 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: GA

Complaint narrative:
Late payments are being reported on my credit report which is illegal. I am unable to get a home loan because of this, remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to address a matter of utmost concern regarding our business checking account that was compromised, resulting in XXXX fraudulent unauthorized purchases, totaling {$2500.00}, between XX/XX/23 and XX/XX/23. 

Upon discovering these unauthorized transactions, I took IMMEDIATE action and called Chase on XX/XX/23, in an effort to report the fraudulent activity and stop them from reocurring. However, I was disappointed to find that the customer service representative I spoke with, failed to deactivate and replace my card promptly, which could have prevented any further unauthorized purchases from occurring. Furthermore, despite my persistent efforts to dispute the transactions and submit the necessary evidence on three separate occasions, I regrettably received denials for all my claims, and a refund was refused. 

It is imperative to emphasize that my husband and I devoted significant hours to communicate with your claims department, diligently providing information with the hope of halting the unauthorized charges. Unfortunately, the employees assigned to assist us demonstrated inadequate language proficiency and were ill-prepared to offer appropriate guidance to resolve such crucial matter, the safe keeping of my incomeand savings. Their incompetence and ineptitude, coupled with deceptive information provided, only served to further hinder our attempts to uncover the true nature of these transactions. It was only after my personal investigation and subsequent contact with XXXX headquarters that I discovered the transactions were conducted in person using a cloned card. This revelation explains how the imposter managed to make purchases at XXXX, despite evidence from my cellphone towers indicating that I was geographically located over XXXX miles away from the perpetrator at the time of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc.
State: NV

Complaint narrative:
The company RESIDENT VERIFY by XXXX DENIED my application to lease a TOWNHOUSE. Saying that I have a " EVICTION FILINGS & PUBLIC RECORDS '' I have NEVER been evicted. in fact I have lived in a house I've OWNED for over 10 YEARS!!!!!! THIS IS MY FIRST TIME IN OVER 10 YEARS applying for a rental property. NOR DO I HAVE ANY PUBLIC RECORDS ON FILE. WITH THAT BEING SAID. THIS ERROR ON MY RESIDENT VERIFY REPORT IS AFFECTING my living conditions a great deal! Please investigate this IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am able to get my free annual credit report from XXXX of the XXXX credit bureaus since XXXX However, I have not been able to access my free annual credit report or manage my credit freeze with Equifax. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report is frozen with Equifax. I tried to unfreeze my credit because I need to get credit for a mortgage. I can log into my Equifax account online but every time I try to unfreeze my credit score it tells me I need to call Customer Care at XXXX. I called them at that number and they told me that they could not identify my account using my social security number. They also could not identify my account using my address. I have checked my personal details on their website and I have them all correct in their systems so there is no good reason for not being able to identify me. I asked to speak to a Supervisor who told me the same thing and that I need to mail in a copy of my social security card, my drivers license or a utility bill with my address on it. I asked if I could do this online and he told me I could through a dispute however the website tells me that I can not submit a dispute and need to contact Customer Care at XXXX. The Supervisor told me that it would take up to 30 days to resolve my credit report being locked so I can get new credit. I asked to raise a complaint and he said he would do it for me but I would not receive any notification of the complaint and he did not give me the details for the CFPB, which I found myself on the internet. In summary they broke my ability to unfreeze my credit report and they will not fix it in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased a new XXXX XXXX in 2011, I took a Loan with Wellsfargo dealership, I paid the cra Loan in full, I dont owe money to the bank, but my account is showing on Charge off, and its affecting 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 2023-06-11 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: GA

Complaint narrative:
Late payments are being reported on my credit report which is illegal. I am unable to get a home loan because of this, remove 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 non-monetary relief
Consumer complaint received 2023-06-11 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: GA

Complaint narrative:
Late payments are being reported on my credit report which is illegal. I am unable to get a home loan because of this, remove 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 2023-06-11 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX -Acct # XXXX. XXXX ) XXXX XXXX-Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX XXXX ) XXXX XXXX. XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681c-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 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