vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
Subjet : Formal Complaint : Fraudulent Hard Inquiry by " XXXX '' on Equifax Credit report. 

I am writing to file a formal complaint regarding a fraudulent hard inquiry listed on my Equifax credit report by " XXXX ''. This inquiry was not initiated or authorized by me, and despite multiple attempts to dispute it, Equifax has failed to rectify the situation appropriately. 

On XXXX separate occasions, I have submitted disputes to Equifax regarding this unauthorized inquiry. However, each time, Equifax has simply reported the inquiry as accurate without providing any documented proof or conducting a thorough investigation. This lack of transparency and accountability is deeply troubling and has left me feeling frustrated and disregarded. 

I am appalled by Equifax 's failure to adhere to their responsibility of ensuring the accuracy of credit reporting information. It is clear that their handling of this matter has been inadequate and negligent, and I feel that my rights as a consumer have been violated as a result. 

I urgently request that this dispute be escalated to the highest level within Equifax to ensure a swift and thorough investigation. I demand that Equifax take immediate action to remove this fraudulent hard inquiry from my credit report. 

I implore the Consumer Financial Protection Bureau to intervene in this matter and hold Equifax accountable for their egregious mishandling of my dispute. I expect nothing less than a prompt and expeditious resolution to this issue. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-04 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: OH

Complaint narrative:
I recently received an adverse reaction letter for a job. I pulled my report reference # XXXX saw that I have the following inaccurate information : EQUIFAX my name is reporting as XXXX XXXX XXXX XXXX XXXX XXXX The following are reporting as previous addresses XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX XXXX Ohio XXXX my employer as XXXX XXXX I am certain this information is why I did not get the job and would like to submit a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 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 2024-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: ND

Complaint narrative:
Sent ACH with wrong account number because the company XXXX didn't have a simple link to bank system to transfer. Accidentally put in the account number of another bank. Sent it, They stole my money. Didn't return, nothing. Accidentally had a few digits off when I sent my money via XXXX. opened a CFPB case as well and the investigators blatantly lied. I sent XXXX transactions. XXXX was lost because it went to an account not in my name in the photo provided and not returned and XXXX did go into my account I had with them. I explained this multiple times. And guess what, they are so confident they can just keep the XXXX Yep, you put in the wrong account number accidentally? It's our money now. That's garbage business practice. It costs a few $ for a bank to make an ACH transfer which you can gladly charge me to get my $ back. Attached are transcriptions with XXXX. Basically, it could be backwards but at this account and with this trace ID lies my funds that didn't go to my account. Basically sent {$200.00} to the wrong account and then {$200.00} to the right one. Last time, they mentioned this {$200.00}, this is not the amount i'm after, it was a completely different transaction I sent after I realized I sent to the wrong account and I was trying to trigger the account bonus. These messages show the number of my account and the one it was sent to. Please, look into this, and refund me. Could really use this $ that is mine to pay bills and taxes. And looking at the last message, this company is full of it. Maybe I wasn't clear, but it was the {$200.00} transfer that you kept or put in someone else 's account, and i'm short of cash as it is. And you claim it's your XXXX and you can't reverse it. No, it's mine. Another thing, you're telling me as a XXXX you have no security or fraud detection where this would have shown up and automatically refunded because the name and account number didn't match? I highly doubt that. Yes, this is XXXX XXXX XXXX, i'm still after this money and have been waiting and also busy with work. I'm opening again in hopes they're honest this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2024-04-04 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: IL

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2024-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MMG Law Group, PLLC
State: CA

Complaint narrative:
I was contacted by this company called MMG Law Group. They continuously called me for months spoofing their number. I got tired of receiving phone calls and called back to tell them to stop calling. They made claims that I took out a loan in XXXX and didnt pay it back. I never took out a loan that year. They told me I could settle for {$1000.00}. I told the lady on the phone that I would report them for fraud and she started screaming. Then I received a letter in the mail stating I need to pay them back. I ignored the letter and I looked at my credit report this morning and there is derogatory mark for not paying {$500.00}. It decreased my credit by XXXX points. The company has a website if you google MMG Law group. Published in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. The phone number is ( XXXX ) XXXX. I was scammed in the past using the same technique.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my frustration and concern regarding the difficulties I have encountered in accessing my free annual credit report through your online platform. Despite multiple attempts, I have been unable to obtain my report, which is essential for me to review and ensure the accuracy of the information contained therein. 

Each time I log in to access my report, I encounter obstacles that prevent me from completing the process. Whether it be technical glitches, denial of access, or requests for alternative means of verification. the result is the same- I am left without access to vital information that is crucial for managing my financial affairs responsibly. 

As a consumer, Ii am not only entitled to but also legally obligated to access my credit report in order to identify and dispute any inaccuracies or fraudulent transactions. However, the barriers I have faced in obtaining this information are hindering my ability to fulfill this obligation. 

I urge [ TransUnionXXXX ] to address these issues promptly and ensure that your online platform is accessible and user-friendly for all consumers. It is imperative that you uphold your responsibility to provide accurate and timely access to credit reports, as mandated by law. 

I request that you take immediate action to resolve this matter and provide me with the necessary assistance to access my free annual credit report without further hindrance. I appreciate you attention to this matter and look forward to a swift resolution Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2024-04-04 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: SC

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-04 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This complaint is for the disputes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

On XX/XX/XXXX, I booked flight for my family on XXXX for a total of {$21.00}. However, it appears that they charged me 7 times of {$890.00}. This is an overcharge which is already investigated by XXXX XXXX and as well as XXXX. I contacted them by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They got back to me on XX/XX/XXXX promised me a refund by email by sending me a credit slip. XXXX XXXX also emailed me back on XX/XX/XXXX confirming the same. Please see the attached email of confirmation for the evidence. Please help me with this dispute and get my money back. 

I contacted AMEX on XX/XX/XXXX to file disputes for those charges. As those charges are at the same amount, AMEX customer service and dispute team agent had a hard time to file them correct. As of today, after many re-open and explanation to AMEX, the people are still messing up the dispute reason for these disputes and this is the main reason why I can not get my money back. AMEX agents open duplicate, wrong dispute that made there are more than 40 disputes opened for 7 charges. I understand this might be confusing but this could be handled in a much more professional way. See attached file for the confusion. 

I would like to dispute this as XXXX ( the travel agency ) wrongly charged my account and XXXX XXXX ( The airline ) already confirmed that. They all promised me a refund for all 7 charges more than 4 weeks ago and till now I have not received anything. See attached file for the evidence from Airlines and Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-04 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 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 2024-04-04 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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