vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified public record listed below is still presenting in my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXX-Discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified public record listed below is still presenting in my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX XXXX Bankruptcy Filing Date XX/XX/201XXXX XXXX XXXX-Discharged

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court. This has aready been handled. Please remember in XXXX the UNITED STATES Government declared that they would pay all of my debts with the money they receive from the labor, birth certificate, and social security registered number by what is known as my Reserve Account. this is Known as the XXXX. Further more the information is incorrect because my name is spelled in all caps as on my birth certficate. That is my Idenity. The Privacy Act of XXXX covers me regarding my personal information being public. Please provide my signature authorizing the bankruptcy to be public. I am also a victim of idenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/20XXXX 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 non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX BANK XXXX XXXX Balance : {$570.00} XXXX BANK XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} Medical XXXX Balance : {$320.00} Medical XXXX Balance : {$280.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00}

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 non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX  BANK XXXX XXXX Balance : {$570.00} XXXX BANK XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} Medical XXXX Balance : {$320.00} Medical XXXX Balance : {$280.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have {$0.00} balance on my credit card account with XXXX XXXX, yet they continue to report a significant balance to the credit agencies, and have since last XXXX. I disputed it with the credit reporting agencies and their " investigation '' resulted in XXXX confirming the eroneous balance. This is affecting my credit utilization scoring and hurting my credit score.

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am bothered by the actions made by the Credit Reporting Agencies! This is my 11th CFPB Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}

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 non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent Transunion credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. TRANSUNION DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES In accordance with the fair credit reporting act XXXX  account # XXXX was paid in full Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section XXXX Also state s consumer reporting agency can not furnish a account without my written authorization

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND EXPERIAN NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES In accordance with the fair credit reporting act XXXX  account # XXXX was paid in full Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank closed my checking account XX/XX/2022. I deposited a check from a previous landlord in there for $ XXXX the security deposit refund. 

They closed my account for no reason, after my check had cleared and everything! The check was legitimate. 

My account is closed and I am wondering where my {$830.00} is. Chase Bank did a debit dda- check charge according to a letter I received on XX/XX/2022. 

My money was taken away from me. I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00}

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
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Credit Card Account Number : XXXX To whom it may concern, I have tried several attempts to get in contact with Truist credit card department in regards to the account listed above. I want to settle this account once and for good but Truist is not responding to any of my attempts. 

I tried calling, left voice mails, sent letters the last letter was mailed certified in XXXX and tracking shows that it was personally picked up at the post office ( Tracking ID : XXXX. My last hope to get in contact is through you and I look forward to finally settling my account. 

I have also e-mailed the CEO and was told that my letter was forwarded to the appropriate department but I have yet to receive a response and it's been more than a month since my last attempt.

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. NONE OF THESE INQUIRIES BELONG TO ME AND ITS RUINING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 I noticed a finance transaction of {$3000.00} on my XXXX credit card bill which I did not recognize. I called Bank of America and spoke to an agent, who told me I was a victim of ID theft, and said he would cancel the credit card and start a claim to get my money back. After hanging up, I reviewed past statements to see if there had been any other unusual activity, and saw that the exact same type of financial transaction for the same amount had occurred in XXXX, for a total of {$6000.00} in fraudulent charges. I called again and spoke to a different agent, who said she didnt see any record of the claim I had just made and would fix it. 

A week later, I received a new card. Several weeks later, I had not received a refund or any follow up communications from Bank of America. I called on XX/XX/XXXX to check on the status of my fraud claim and spoke to an agent who said that no fraud claim had been submitted and that he would correct this. 
A week later on XX/XX/XXXX, I received a refund for half of the total amount from the fraudulent transactions : {$3000.00}. I waited another week and called to see when the remaining {$3000.00} would be credited to my account. An agent assured me it was being processed and that I would see it posted in a couple days. Its been another week with no action or follow up. 

Meanwhile, the bank is charging me interest and fees on the fraudulent amount which they have done nothing about for 2 months. I have been a customer for 20 years and have always paid my bills on time. It is very frustrating to be treated this way when I am the victim here. I just want to be made whole and then end my relationship with this terrible financial institution.

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 monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am bothered by the actions made by the Credit Reporting Agencies! This is my 11th CFPB Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}

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 non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am bothered by the actions made by the Credit Reporting Agencies! This is my 11th CFPB Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation