vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: AZ

Complaint narrative:
Thank you for promptly correcting some of the negative information on my credit file. However, there are still accounts that need to be repaired. I request the immediate correction of all inaccurate information associated with the following accounts : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$54.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$690.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00}

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 2024-06-22 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: AZ

Complaint narrative:
Thank you for promptly correcting some of the negative information on my credit file. However, there are still accounts that need to be repaired. I request the immediate correction of all inaccurate information associated with the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-22 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
EXETER FINANCE LLC IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. XXXX FURTHER MORE YOU ARE REPORTING THE ACCOUNT AS CHARGED -OFF. THE IRS STATES ANY DEBT OVER {$600.00} THE CONSUMER MUST BE GIVEN A 1099-C WHICH I HAVE NOT RECEIVED MY 1099-C. FURTHERMORE IF THE DEBT WAS CHARGED OFF IT IS DEEMED AS INCOME. INCOME CAN NOT BE REPORTED ON A CONSUMERS REPORT. 

FURTHERMORE, THE ACCOUNT IS REPORTING A PLETHORA OF INACCURATE INFORMATION WHICH IS NOT IN METRO 2 COMPLIANCE AND DEVIATES FROM THE STANDARD OF METRO 2 COMPLIANCE, AND THERFORE MUST BE REMOVED FROM MY CONSUMER REPORT. 

IF YOU REFUSE TO REMOVE THE ACCOUNT WHICH IS DISPLAYING INACCURATE INFORMATION, REFUSE TO PROVIDE ME WITH MY 1099-C I WILL ESCALATE THIS MATTER FURTHER. THIS IS YOUR ONLY OPPORTUNITY TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: OH

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF INQUIRIES THAT I WANTED TO REMOVE! 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: TX

Complaint narrative:
I ASK EXPERIAN TO UPDATE MY ADDRESS TO THE CURRENT ADDRESS THAT SHOWS ON MY BANK STATEMENT NO OLD ADDRESS ONLY ONE ADRESS ONLY THEY REDUSED TO UPDATE MY CREDIT REPORT IN THE CONSUMER LAW RIGHTS MY CREDIT REPORT POST TO BE ACCURATE AND COMPLETE THAT IS A VIOLATION THERE ARE TWO ADDRESS DON'T B TO BE ELONGS ON MY REPORT NEEDS TO BE REMOVE ALSO ON THE CONSUMER FAIR LAW ACT AND A CREDIT REPORT NEED TO BE ACCURATE AND COMPLETE IM UPLOADING A COPY OF THE MOST RECENT CREDIT REPORT T ASK THEM TO UPDATE THIS ADDRESS IN XXXX AND THEY DIDNT IT BEEN OVER 40 DAYS THAT IS ALSO A VIOLATION UNDER MY CONSUMER LAW RIGHTS

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 2024-06-22 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: WA

Complaint narrative:
I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 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 non-monetary relief
Consumer complaint received 2024-06-22 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: WA

Complaint narrative:
I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: WA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Please find below the detailed account of the inaccuracies and the relevant supporting information. 
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 non-monetary relief
Consumer complaint received 2024-06-22 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: WA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Please find below the detailed account of the inaccuracies and the relevant supporting information. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: DISCOVER BANK
State: GA

Complaint narrative:
They violated my privacy rights by sharing with non affiliated companies I want to opt out from sharing my non public information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-22 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: Chime Financial Inc
State: CA

Complaint narrative:
I opened a billing/charge dispute of unauthorized charges on my chime credit card XX/XX/year>. CLAIM XXXX there are charges TOTALING {$300.00} that are unauthorized on the chime credit card. Chime is holding back my refund OF PROVISIONAL CREDIT on this credit card WITHIN 1 TO 2 BUSINESS DAYS .Chime is giving me the stall tactic runaround of regulation E. there trying to fool me by using the tactic of the " it may take 90 days to investigate tactic '' This is a chime credit card that has to provide PROVISIONAL credit to my account yet Chime is up to its old tricks of holding the consumers money hostage instead of abiding and following the law. As a consumer I am not liable for any charges that are UNAUTHORIZED. I MADE IT CLEAR TO CHIME THAT I HAVE FEDERAL PROTECTION RIGHTS AS A CONSUMER, YET CHIME IS IGNORING FEDERAL LAW. THIS STUNT THAT CHIME CREDIT CARD IS DOING TO ME IS HARMING ME BECAUSE CHIME FAILS TO IGNORE FAIR CREDIT BILLING ACT, 12 CFR 1005. CHIME SEEM TO BURDEN ME WITH THEIR COMPANY POLICY BY LYING TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/XXXX my Robinhood spending account was credited {$1100.00} from a dispute that was on going. I have removed all restrictions from my account and now they are telling me that they are not able to verify the source of funds when they are the ones who credited my account. In the email it states that one restrictions are removed i would be able to ttransfer my funds to a external account or be mailed a check. I've sent multiple emails stating that i would like a check and only get the run around. I have supplied shots of emails and proof of this company blatant lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Issue : Unfair and deceptive practices related to account closure and negative credit reporting Summary of Complaint : I have maintained a good standing credit history with Citibank since XXXX, consistently making all payments on time. On XX/XX/XXXX my monthly online payment posted to Citi Costco Card. In XX/XX/XXXX, I discovered both Citi Credit Card accounts were closed online, with no prior notification or explanation. A few days later, I received a letter informing me of the closure but without any reason provided. The letter instructed me to call a specific phone number for further information. 

On XX/XX/XXXX, I called the provided number, the agent could not explain the closure but suggested filing an appeal. After requesting information on the appeal process, I was told to mail only a letter, no other documents needed to an address in XXXX XXXX. I promptly mailed the appeal letter on XX/XX/XXXX. 

XXXX weeks later, I called for an update on the appeal. After a 30-minute hold, the agent informed me the letter was received but not reviewed or processed. I was asked to check back in 7-10 business days. 

In XX/XX/XXXX, I received a letter stating the appeal was denied due to missing income verification. However, the letter offered no further explanation and only a phone number for inquiries. Following up with this number, the agent again lacked information. 
Furthermore, Citibank is now claiming I am behind on payments for the closed accounts ; one of which has a XXXX balance. Since the accounts are closed, I can not access them to review details or make payments. I have informed Citibank of this situation, but they only provided a statement after the alleged payment deadline, resulting in late payments being reported and negatively impacting my credit score. 
Given my payment history of no late payments up until the closure of the accounts that CitiBank is claiming, I believe my accounts should be reinstated without any requalification requirements as this is a discriminatory practice and is predatory in nature.

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 2024-06-22 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: FL

Complaint narrative:
I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.

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 2024-06-22 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: FL

Complaint narrative:
I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
SANTANDER USA IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. ACCOUNT # XXXX NOT ONLY ARE YOU NOT IN XXXX XXXX COMPLIANCE, YOU ARE REPORTING THE DEBT AS CHARGED OFF. According to the IRS, any debt owed that is cancelled, forgiven, or discharged becomes taxable income. I HAVE NOT RECEIVED MY 1099-C AND FURTHERMORE INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT.

YOU ARE IN VIOLATION OF THE FCRA AND IRS REGULATIONS.

PLEASE SEND ME MY 1099-C FORM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: GA

Complaint narrative:
Upon reviewing my credit report from your bureau, I found several inaccurate and misleading items that are damaging my creditworthiness.

According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.

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 2024-06-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX, on a monitoring program just notified me of a XXXX point drop in credit, as on XXXX, a company called IC Systems reported an unpaid balance of {$290.00} under an acct ending in XXXX. 

Agency number XXXX Original Creditor being XXXX XXXX. 
I deny under penalty of perjury the debt is accurate or mine and have received no service from them in several years.

Can this company immediately remove this fraudulent bill or explain why they are mailing me new credit offers daily by mail. A housing issue of invasion of HIPPA and financial privacy under the current landlord is slowing down my response to you but trying to maintain integrity with you but situation in HUD housing is XXXX XXXX XXXX XXXX and health is declining but trying to position myself to study your credit rebuilding program when I am in a safer situation. Thank you. XXXX XXXX XXXX XXXX XXXX Many blessings to you and praying for better and safer days ahead. My thanks for your ongoing availability and response.

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