vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on my report on an authorized user account that shouldnt even be on my credit report i didnt authorize to even report on my credit report the account is discover card opened XX/XX/1998 and an {$18000.00} i hope youll can resolve by investigating and erasing this account promptly and 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 2024-05-29 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: LA

Complaint narrative:
Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by XXXX, Equifax, and XXXX Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) XXXX, Equifax, and XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ).

Nature of Complaint On [ XX/XX/XXXX ], I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. 
The FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe. 
Legal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days. 
15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute.

Case Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : Murr v. Countrywide Home Loans , Inc., 45 F.3d 1329, 1333 ( 9th Cir. 1995 ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by XXXX, Equifax, and XXXX and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. 
Provide a written response to my dispute within 30 days of receiving this complaint from the CFPB. 
Update my credit report with any necessary corrections based on the investigation 's findings. 
Supporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of XXXX, Equifax, and XXXX to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Please note : ID and Proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be 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 2024-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX, serviced by XXXX, XXXX. Upon trying to use my card, XXXX 's fraud prevention system locked my card. 

On XX/XX/XXXX, I contacted customer service, and they started case XXXX. As requested, I sent the front and back of the card, and the receipt to XXXX. 

I've since contacted their customer service again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I don't even think that they're opening the emails because the case is " Closed '' according to the customer service agent. The agent has no way to reopen the ticket, but can only suggest I resend the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have always made sure payments on this account are timely, never allowing them to become overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Kindly remove these inquiries. I have no information about them, and the company acted without my consent.

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 2024-05-29 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:
I request the removal of these inquiries. I have no knowledge of them, and the company did them without my consent.

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 2024-05-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
these companies do not belong to me. 

SYNCB/ XXXX XXXX  ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX  ( OPENED XX/XX/XXXX ) ( 2 ACCOUNTS ) XXXX XXXX XXXX  ( OPENED XX/XX/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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/year> a teller at PNC deposited XXXX into my account in error. This deposit consisted of several checks that where incorrectly placed in my account. One of these checks was returned in the amount of XXXX. PNC charged the return check to my account. I called and disputed these transactions, both the deposit of XXXX and the returned check of XXXX. PNC adjusted the deposit of XXXX out of my account. PNC has failed to return the XXXX to my account. 

I have spoken with several representatives. I have been lied to with false promises of having my account credited. I have also been subjected to very rude behavior from the employee that greets you as you walk in.

I have had my account with PNC for 15 years. This error needs to be resolved immediately. I also deserve compensation for the pain and suffering this has caused. Not to mention the hit this has caused to be budget.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 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: OH

Complaint narrative:
THE CREDIT BUREAU IS CURRENLTY ACCOUNTS THAT WAS OPEN FRAUDULENTLY WITHOUT VERIFY. I DEMAND AN IMMEDIATE REMOVAL OF THE THOSE ACCOUNTS INLUDING ALL UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to you with the utmost urgency and demand immediate action regarding fraudulent accounts and incorrect information that have been illegally reported on my credit report. I have been a victim of identity theft, and it is imperative that you rectify this situation without delay. 

These accounts were not opened by me, and I am not liable for any transactions or debts associated with them. The presence of these accounts on my credit report is a direct result of identity theft, and it is causing significant harm to my financial reputation and well-being. 

The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc.
State: AE

Complaint narrative:
XX/XX/year> Sent a letter by mail to the address. I told them in this letter someone is using my information would like a security freeze to be place on my information to the present the company never responded.

Someone is using my information after three health care data breaches. Someone apply for us citizen under my social security number, used my driver license and other information. I haven't authorized no health insurance release.

By providing companies information without my authorization is
liability for MBI and other remedies may be used if you keep disclosing information outside my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WA

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout, I've consistently ensured prompt payments on this account, preventing any overdue instances. However, I am uncertain about the reasons behind the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was informed that my monthly mortgage starting in XXXX will be increasing due to property taxes by $ XXXX. However, as California has Proposition 13 in place ( which only allows a 1.00 % /year tax raise ) I believe that XXXX XXXX recorded at XXXX PST ) was misleading me as he is in the state of Utah and assumed that Utah State Law carries the legal / financial weight of this situation. This is WRONG- the loan and the transaction originated in California so the jurisdiction for the loan is in California ( with Prop. 13 in place ). Since my taxes and insurance are in an escrow account managed by SPS Financial, I believe that the company ( SPS ) is overcharging me immensely. To wit, when my loan was first modified by XXXX over ten years ago my monthly mortgage was ( and still is ) $ XXXX and the taxes were ( and still are ) $ XXXX - how is this bill so high then?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern I am writing to report a phishing incident that resulted in financial loss. I was targeted by a sophisticated scam involving our partial ownership in a property at XXXX XXXX XXXX, XXXX. 

Here 's a detailed summary of the incident : - On XX/XX/year>, I received an email from XXXX ( XXXX XXXX XXXX ) with the subject " XXXX XXXX XXXX '' proposing a limited-time offer for our vacation property. The email appeared legitimate, and we even called XXXX XXXX XXXX to confirm that third-party sales were possible. 
- The email was sent by XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX  ) from XXXX XXXX XXXX ( ( link unavailable ), # XXXX ). 
- We were asked to pay {$5800.00} for the XXXX government for closing the sale, which we sent via bank wire to XXXX, which they said was the XXXX governement bank account. I also provided my bank account number for the funds to be deposited. 
- However, the notary, XXXX XXXX, continued to request more money for alleged municipal tax, which raised our suspicions.

- We realized it was a scam and informed Chase which is our financial institution, but they said they couldn't recover or reverse the funds.

I have all relevant emails and documents should you need to review Please assist me in investigating this online fraud and taking appropriate action to prevent further incidents.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.

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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently I looked 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 : CXXXX 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 2024-05-29 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: PA

Complaint narrative:
Recently I looked 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief