vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Westen Union Reference Number is XXXX XXXX Payment amount is XXXX XXXX XXXX value date is XXXX XX/XX/2023. 

Reason for complaint : Beneficiary Claims Non Receipt of Funds. 

Western Union lied about the payment value date. Western Union still refuses to provide me with the XXXX confirmation of my own XXXX payment. Western Union has now taken my US Dollars and refused to provide XXXX XXXX to the beneficiary bank in XXXX. I have no Dollars and my beneficiary has no XXXX XXXX. Western Union refuses to provide proper exact and legal proof of XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: OK

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: AR

Complaint narrative:
I am writing to formally dispute and request the removal of several fraudulent inquiries that persist on my credit report, which have been negatively impacting my creditworthiness. I have made numerous attempts to address this issue but have not seen any resolution, and the inaccurate information continues to tarnish my credit history. 
I have never authorized or initiated any of these inquiries, and they are entirely fraudulent. These unauthorized inquiries have the potential to harm my financial stability and damage my credit score, which is why I am making this formal request for their immediate removal from my credit report. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with written confirmation of the actions taken to rectify this issue. Per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date credit information, and these fraudulent inquiries are a clear violation of this regulation. 

Enclosed with this letter, please find the following documents for your reference : A copy of my government-issued identification to verify my identity. 
Any supporting evidence that these inquiries are indeed fraudulent, such as police reports, affidavits, or other relevant documents. 
A copy of my credit report highlighting the fraudulent inquiries. 
I kindly request that you send me a written response within 30 days of receiving this dispute letter, as mandated by the FCRA. The response should include the results of your investigation and the actions taken to remove the fraudulent inquiries from my credit report. 

Additionally, please ensure that you notify all the creditors associated with these inquiries about the disputed information, and provide them with the relevant documentation, as required by law. I am asking for your immediate assistance to remove the following fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-11 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Dispute of Incorrect Charge on Credit Card I hope this letter finds you in good health. I am writing to bring a matter of concern to your attention regarding an erroneous charge on my credit card statement. I would like to request your prompt assistance in rectifying the issue as soon as possible. 

Upon reviewing my recent credit card statement for the month of XXXX, I noticed a charge that appears to be incorrect. The specific transaction in question is described as follows : Date of Transaction : XX/XX/2022 Transaction Amount : XXXX Description : fake agency of any airline charges, my credit card without my consent. 

I wish to clarify that I have not engaged in any business with the aforementioned merchant on the mentioned date. It seems to be an error or a possible case of fraudulent activity. Therefore, I kindly request a thorough investigation into this matter and urge the bank to take immediate action to reverse the charge. 

To assist you in resolving this issue effectively, I have enclosed a copy of my credit card statement highlighting the incorrect charge. Furthermore, I have included any supporting evidence or documents, such as receipts or any relevant communication with the merchant, that could aid in the investigation. 

I emphasize the urgency of this matter as it affects my overall financial stability and trust in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: OK

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-11 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I never established an account with XXXX XXXX, IC systems nor XXXX XXXX. I am a victim of identity theft and did not open account with XXXX XXXX  with partial account number XXXX total amount {$290.00}. Date shows its opened XX/XX/2023. XXXX is reporting a collection account on my credit file for an account that is not mine and is was a result of fraud. I have tried to contact XXXX and they tell me to call XXXX XXXX and XXXX  says they don't see an account. However this information is reporting on my credit file.

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 2023-10-11 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: OR

Complaint narrative:
On XX/XX/XXXX I went to my chase bank branch in XXXX oregon to deposit cash into the ATM, like normal I put my card in, passcode, and pushed deposit, cash then proceeded to put my cash in. Once my cash was in, all of the sudden a screen came up, telling me that I need to call a certain number to make sure that my deposit went through. It did not even give me a receipt with the amount I had just deposited, it simply gave me a receipt stating that I need to call a certain number to make sure that my deposit went through. I then went to the window because this is never happened before, the lady at the window was extremely rude and told me she can't help me. She has no explanation and I need to call the number on the receipt. I called the number on the receipt gave them my information and they did nothing except get my receipt information that I had and tell me I need to make a claim which I did and that they need to investigate it if they have not investigated it before XX/XX/XXXX than I should have a temporary credit on my account. I had first but I deposited {$900.00} into my account, but then I realized I use some of the cash the day before about {$50.00} so then I called back to let them know that I actually had deposited {$850.00} into my account and the person on the phone said that the exact number doesn't matter and won't affect whether my claim is denied or excepted. so I have been patient. I have been calling and today someone said that my claim was denied. It should be on video I have a receipt. I gave them my receipt information. The first call and I still have it but my claim was still denied. I have a child, rent, and other responsibilities to take care of. They took my money from me and they're not giving it back. Please help me to get my money returned to me that I worked hard for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; US DEPT ED XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX 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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hi, Chase bank has failed to protect my identity and prevent fraud. They allowed a account to be open without my permission and failed to investigate it in a fast matter. I open a cclunt couple weeks ago and they close it 3 days later and refuse to tell me why and found out it was from a account i never open and took me 4 days to file a identity theft claim and failed to take my concerns seriously and refuse to reach out and lie about opening a new account only for it to close and keep saying it can take months before finding a resolution and finding more accounts open in my name I never open. Keep lying and changing their answers everything I call. Complaints and messages are missing from different people in the back office. I feel this company is fraud. They allowed employees to keep missing work and never focus on my case. I feel the company doesn't care and the executive office is failing to do their jobs and lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: GA

Complaint narrative:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: NV

Complaint narrative:
XX/XX/XXXX SENT NOTICE TO COMPANY ENTERING INTO BINDING CONTRACT GRANTING PERMISSION TO USE DATA WHILE COMPENSATING ME AT RATE {$500.00} PER MONTH DUE IN PAYABLE EVERY FIRST OF MONTH 2 % MONTHLY INTEREST RATE OR UNPAID BALANCE PLUS {$50.00} LATE CHARGE PLUS {$100.00} BILLING FEE OR ADVISE CAN NOT AND DO NOT HAVE PERMISSION TO STORE INFORMATION ABOUT ME.

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 2023-10-11 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: NV

Complaint narrative:
XX/XX/XXXX SENT NOTICE TO COMPANY ENTERING INTO BINDING CONTRACT GRANTING PERMISSION TO USE DATA WHILE COMPENSATING ME AT RATE {$500.00} PER MONTH DUE IN PAYABLE EVERY FIRST OF MONTH 2 % MONTHLY INTEREST RATE OR UNPAID BALANCE PLUS {$50.00} LATE CHARGE PLUS {$100.00} BILLING FEE OR ADVISE CAN NOT AND DO NOT HAVE PERMISSION TO STORE INFORMATION ABOUT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Td Bank send us a letter dated XX/XX/2023 explaining when they open the account on XX/XX/2023 until closing the account on XX/XX/2023 and that they would be contacting the maker ( XXXX ) XXXX telephone XXXX of the check deposit of {$38000.00} to have them file a claim to send the funds back to them. We have reached out to the maker and they inform us they have not received any letter or phone pertaining to file a claim to get the funds return. The maker has provided their direct compliance department contact information to get this matter resolved. This information was provided to Td Bank in the branch ; as the branch manager emailed this information to their fraud department. And yet it's been about 5 months and we have yet to receive our funds back from TD Bank. As they stated they try to contact the maker and no answer and the maker states they having receive any communication with TD Bank. The maker is requesting information how to file the claim to request the funds back to them and still no answer by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. 
I reported the theft of my identity to the Federal Trade Commissions and I have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. 

I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. 

I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's action have damaged my credit rating and hindered my access to credit. 

The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. 

The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: AR

Complaint narrative:
I am writing to express my ongoing frustration and concern regarding inaccurate items that persist on my credit report despite multiple attempts to have them removed. These inaccuracies are adversely affecting my creditworthiness and financial well-being, and it is imperative that they be rectified as soon as possible. 


I have previously contacted your bureau on [ mention the dates and methods of previous disputes ] to dispute these inaccuracies, but they remain on my credit report. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you initiate a thorough reexamination of these inaccuracies and promptly correct my credit report to reflect accurate information. The Fair Credit Reporting Act ( FCRA ) mandates that consumer credit reports must be precise and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find copies of the following documents : Previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report reflecting these changes. 

Furthermore, it is your responsibility to notify the creditors associated with these inaccuracies about the dispute and provide them with the necessary documentation, as per federal law. I am asking for your immediate assistance to remove these unaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00}.

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