vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian Credit Reporting Service reported a new collection on my credit report opened XX/XX/XXXX by XXXX XXXX  at XXXX, address : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for a debt of {$730.00} that showed past due as of XX/XX/XXXX from the original creditor : XXXX XXXX XXXX XXXX, XXXX, LA XXXX due to this report Experian lowered my FICA score XXXX points. I disputed the report to Experian and they said it would remain on my report until XX/XX/XXXX. I then reported it to their Fraud section where they took my report and suggestion I submit a report to your agency. I called the XXXX number listed above for XXXX XXXX and they said they have no record of me. I tried to contact XXXX XXXX XXXX XXXX and can find no phone number on them. I googled both companies and found numerous complaints on both for fraud, some of which where the same complaints I have. I have never received a bill or call about this debt and haven't been anywhere within a XXXX miles of Louisiana in XXXX  years. I am XXXX XXXX XXXX and a XXXX  year veteran of the XXXX. I believe this is a scam by either XXXX XXXX or Experian who have been trying to get me to pay {$29.00} a month to upgrade my monitoring membership to Experian XXXX for about XXXX years now. I am very careful to protect my good name and pay all my bills in a timely manner. These false reports keep me awake at night trying to figure out what is going on. Any assistance you can give me will be greartly appreciated.

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 2024-03-27 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: NJ

Complaint narrative:
I booked a car rental through Chase Travel ( through my credit card ) and paid for it with points. I booked the rental at XXXX at the XXXX XXXX  back in XXXX. There was no incident with the car, car was picked up and returned within the reservation window, but XXXX charged my credit card separately for the amount of the reservation ( which was pre-paid through Chase Travel ). I called XXXX and asked them to refund it, they told me they were sorry but I needed to contact Chase in order to get my money back. I opened a dispute with Chase. I provided them all the forms and proof of payment and invoices that they requested. In this instance, they denied my claim. I called them and asked them why and they looked at the report and said they must've made a mistake, and advised me to go to the branch and talk to someone there, that they would be able to help. So I went to the branch in XXXX, near my office on XXXX XXXX, and spoke to someone there. He also reviewed the claim and said " this is egregious '', and reopened the case. Again, I submitted all the invoices, receipts, and forms they requested. In this case, they closed the dispute finding in my favor, and told me they had issued me a credit. When I looked at my transactions though, I did have another transaction with XXXX, but it was a " Rebill '' in the amount of the original cost I was disputing. So they actually charged me AGAIN. I called Chase about this, and was shuffled around XXXX times before someone told me I would have to open another dispute and submit a letter before they would be able to issue me a credit. Why should I believe that opening a THIRD DISPUTE over the exact same information will have a different result?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
They tell you they closed my account but they state in the bottom of their response they refuse to close my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: WV

Complaint narrative:
These inquiries were not authorized by me. I implore you to carry out a thorough inquiry and swiftly eliminate them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called Truist bank and asked what I needed to do. They instructed me to go in so I went inside of the Truist branch and verified my identity with my id. MIND YOU, MY ACCOUNT HAS BEEN FROZEN FOR XXXX YEARS. I still have money in my account and I think Truist is trying to keep my funds.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a XXXX  veteran with XXXX XXXX  and I am serving outside the country. Between XXXX till XXXX I was XXXX and I was serving in XXXX and then in XXXX. In XXXX XXXX XXXX my personal information was compromised in the USA and it was used by unknown suspect to open up a fraud credit card account in my name with Capital One bank. Once my service was over in XXXX I came back to home in XXXX and after that I am in and out almost every year for XXXX XXXX XXXX 
Around in XXXX of XXXX I received a letter from Capital One bank which was in my name. After I opened it I was shocked once I saw that Capital One bank is asking me to pay them {$14000.00} for the credit card which I did not open, I never received and I never used. I immediately called to Capital One bank and found out that the account was opened in XXXX. I explained them that I was XXXX for military service between XXXX to XXXX and that I was outside the USA I could not physically receive, activate or use that account. I also verified with them that the card was activated with a telephone number which was never been my number. For XXXX XXXX XXXX of fighting with Capital One bank and asking them to remove the fraud account from their database and from my credit reports with al national credit reporting agencies, I cam to conclusion that Capital One is not doing anything to investigate this fraud matter accordingly. I mailed and faxed to Capital One bank 's fraud department the copy of identity theft police report I filed with local police department, the copy of identity theft report I filed with Federal Trade Commission so that they can do proper investigation and remove the fraud account information from my name, but so far no results. Capital One simply ignores my letters and by reporting this fraud account information in my credit file they simply damage my life, my true credit worthiness which I built for many years and they prevent me of getting any credit from financial institutions do to negatively reporting fraud account that reflects on my credit file.

I am a victim of fraud and this bank 's actions leave me helpless and hopeless. I need CFPB to contact Capital One Bank so that they can stop reporting that fraud account in my credit history and I need them to send a request to XXXX, XXXX, XXXX XXXX to remove it from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I, the ( Plaintiff ) have already initiated a complaint to BofA via USPS Certified Mail, ( tracking # XXXX ) but was subsequently ignored- so now I'm using the CFPB to begin a recourse of legal action in pursuant to ( TCA 47-18-2104 ) " Private Right of Action '' for the included but not limited to : Unfair and deceptive acts, and false book entries. In the month of XX/XX/XXXX, through information and belief, Bank of America Corporation, XXXX of XXXX segments of BofA, illegally used the Plaintiff 's, ( XXXX XXXX ) personal identifying information to create an unauthorized bank account. This action was reported to the XXXX XXXX XXXX  XXXX  in a fraud report in the month of XXXX in XXXX XXXX # XXXX in subsequent of a meeting with a BofA Officer about this issue at the XXXX XXXX XXXX location in XXXX TN, in which the Plaintiff was told that BofA couldn't not determine who created the account or where the account was created from and no further inquires would be made into the matter. These acts are a violation of the included but not limited to : The FTC ACT 15 USC 45 ( 5 ) Unfair or deceptive business practices, MAKING FALSE ENTRIES IN BOOKS, REPORTS, AND TRANSACTIONS - 18 USC 1005 AND 1006, violations of the FCRA because this unauthorized account was reported to several credit bureaus. 

Also the Tenn-Consumer Protection Act of 1977, because these acts and deceptive business practices were committed in the State of TN. In pursuant to ( TCA 47-18-2104 ) Private Right of Action, the Plaintiff will allow the Defendant ( BANK OF AMERICA CORPORATION ) XXXX business days upon reception of this correspondence, to agree to privately settle these violations with the Plaintiff. 

If the Defendant does not respond within the given timeframe, a Civil lawsuit demanding a Jury trial and relief for the following, including but not limited to : Punitive damage relief, non-remedial civil penalties, and injunctive relief will be filed in the United States District Court for the Middle District of Tennessee, were motions for discovery could undoubtedly reveal and pinpoint supporting admissible evidence including all entities or individual/s responsible for these violations, and in conjunction with this recourse of legal action, the Plaintiff will also forward this letter and all relevant evidentiary support in pursuant too these egregious violations, to the TN Attorney General, the Tennessee Department of Commerce and Insurance , the DOJ- Department of Justice Major Crimes and Integrity Unit , and the FTC.

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 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I do not have a contract with this company IQ data. This company continues to report inaccurate information and they are reporting charges that I do not owe! The company they are working with is XXXX XXXX XXXX ( sure deposit ) i have uploaded a copy of the letter from them stating the information reporting on credit file is inaccurate and they are going to fix this issue I do not owe IQ data never had a contract with them this company was reporting I owe them XXXX but is reporting on credit file as XXXX the balance entire acct is not mine I have never lived in XXXX the XXXX XXXX they are referring the debt to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AL

Complaint narrative:
XXXX XXXX with TruAccord from is sending repeated emails in an attempt to collect a debt I do not owe to him. The dates of the emails are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount they are attempting to obtain are {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MS XXXX Resident type Single family ( this is not a valid address ) XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family ( this a previous family address ) " I have never lived at this address/this is not my form Address

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: PA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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. 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: PA

Complaint narrative:
Due to a total loss to my vehicle, I am due a refund of {$770.00} from a GAP policy through XXXX XXXX XXXX XXXX XXXX XXXX . I spoke with an agent of XXXX who told me I must get my refund from my loan company, Audi Financial. I spoke with an agent at Audi Financial and was told I must get my refund from XXXX. Also, XXXX  is not paying the amount of {$770.00} because of Condition Adjustments. I have a document from XXXX stating there was no prior damage to the vehicle. They are not disclosing what the condition adjustments are. Both of these amounts were financed through Audi Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: Williams & Fudge, Inc
State: TX

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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : WILLIAMS AND FUDGE Account No. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: TN

Complaint narrative:
XXXX XXXX  ran my credit almost XXXX times without my knowledge. I want these removed from my credit please. I did not authorize these credit pulls XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADP Inc.
State: PA

Complaint narrative:
XXXX, ADP, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DMV, Social Security, SSA have all used my personal and confidential information to provide employment, benefits and health coverage to an undocumented criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
I am a victim of Identity theft. My Identity was using to get credits and the theft tried to rent an apartment as well with my Identity I listed a couple accounts that was open fraudulently, I want them accounts removed off my credit profile it is affecting me real bad!

Company response to consumer: Closed with non-monetary relief