vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-22 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I asked the company to validate the debt. I also asked the credit bureau to investigate it. The company sent me a letter saying that they could not validate the debt, but the credit bills still put it on my credit they could not validate that this account was mine, but XXXX XXXX XXXX. XXXX has it on my credit and I asked him how did they validate this information if the company that is reporting can not validate that this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I ordered XXXX tires from XXXX and paid for them with gift cards. The tires were supposed to be shipped to the store but they were not there when I went to have them installed. I have been promised on XXXX separate occasions that a full refund would be issued and that I would receive a replacement card electronically but one has not been received.

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 2024-11-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CarMax, Inc.
State: FL

Complaint narrative:
Date was XX/XX/scrub>/2024 I went into the dealership after my approval I was not satisfied with the extra fees of a down payment because in accordance with 15 USC 1605 finance charge it says no comparable cash transaction necessary when finance charge is present I was told that's not true it's up to the creditor which I stated I am the creditor in this consumer credit transaction and credit is my right also full disclosure shall be met and he wouldn't provide the truth in lending statement so he could go over everything for me and him to get on the same page so he could present my concerns to the appropriate person he refused to help me after speaking with a manager she said we have no finance department everything is done online so they couldn't help me which is deceptive practices I also stated where would the money go if I paid the down payment in cash he said the lender which was a lie he was knowingly given me false information to get a sale that favors him because he receives commissions on sales and down payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year> there was a charge of {$110.00} charged to my Barclaycard Credit Card. The charge was placed on a card that Barclaycard had already told me that they cancelled in early XX/XX/year>. Barclaycard added an unknown and unauthorized user to my account. They did not notify me that they did this, even my contact email address was changed inside of my account when I went to access my account in early XXXX. I have gone over this again and again with Barclaycard representatives and they are now ignoring my request for proof, I have asked for the voice records from early XXXX where the representative told me that they were cancelling the card in question and issuing me a new card. This was due to suspicious activity on my card and a month prior to the fraudulent charge at a XXXX in Kansas by a XXXX XXXX, an unknown person to me, an unauthorized person. My data was leaked in a data breach earlier this year by a health care company and apparently my sensitive information is now on the dark web as this is the only place that someone could have gained access to it. 

I have also requested any voice records where someone may have impersonated me, and or the computer IP address from where such information was entered to gain access to my credit card. Barclaycard never contacted me to ask for permission to add someone to my card, they never contacted me that they had added a complete stranger to my credit card account. I have made numerous calls to address this and they keep ignoring the fact that they cancelled the card in early XXXX and issued me a new card and added a complete stranger to my account without ever notifying me. This is complete negligence in security and has caused me hours of my time trying to reason with incompetent employees from Barclaycard. They have sent me notices that they will have a manager call me within 48 hours and no manager has called. They sometimes tell me that they have called, but not one caller Id number on my phone says Barclaycard, and they have never left a message to notify me that they called, so that I can call them back. 

I pay my card in full each month, I have disputed the charge and told them that I am not paying for this fraudulent charge nor any of the interest they are now accruing on my account due to this fraudulent charge. This has affected my credit score and has caused me an enormous amount of time, yet they are not providing any resolution.

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 2024-11-22 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: KY

Complaint narrative:
Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. Account details in dispute : * Creditor or Institution Name : Citi * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within XXXX days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. * Communication records showing my relationship with this account. * Evidence showing that the account is valid and accurate. If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. Thank you for your attention 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 2024-11-22 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: KY

Complaint narrative:
Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. Account details in dispute : * Creditor or Institution Name : XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section XXXX of the FCRA, I have the right to have my credit report accurate and verifiable. Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. * Communication records showing my relationship with this account. * Evidence showing that the account is valid and accurate. If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. Thank you for your attention 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 2024-11-22 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for failing to properly investigate and remove an inaccurate account from my credit report, despite multiple disputes. On XX/XX/2024, I submitted my first dispute regarding the XXXXXXXX XXXX account ( XXXX ), followed by a second dispute on XX/XX/2024. Despite these efforts, the erroneous account remains on my credit file, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX account ( XXXX ) is not mine, as I have previously informed TransUnion. Both XXXX and XXXX have already deleted this account from their records, yet TransUnion has failed to take similar action. 

TransUnion continues to rely solely on the creditors information without conducting an independent investigation, contrary to the precedent set in XXXX XXXX TransUnion Corp. This ruling makes clear that credit reporting agencies are obligated to perform a reasonable investigation rather than blindly accepting information furnished by a creditor. 

I respectfully requested that the FTC investigate this matter and ensure TransUnions compliance with FCRA requirements. I have attached copies of my dispute letters to both the FTC and Transunion as well as documentation proving the account was removed from both XXXX and 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 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent am email to Explore Credit letting them know they no longer have permission to automatically deduct my payment and I would call later to discuss Received an email back asking me to share why I am thinking about stopping my payments ( my email was clear to stop the payments not that I was thinking about it ). 
I did not respond. 
Received an email from Explore Credit on XXXX stating : This is a friendly reminder regarding your request to stop automatic payments will expire soon. To ensure proper verification we are asking for the following : 1.Full Name 2. Reason for Revoking automatic payments 3. Selfie Holding you ID 4. Last 4 of checking account 5. Alternative Payment method.

Once we receive this email with the information we can permanently stop payments. If this email is not received within 14 days of your request, your account will revert to original automatic payments. 

On XX/XX/XXXX they deducted from my account for {$77.00} ( not sure why ) then sent me an email stating we just received your payment of XXXX and you have also accumulated XXXX loyalty points. 
My understanding, I only need to send an email telling them I know longer give them permission to automatically deduct my payment for the payments to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account Number XXXX On XX/XX/XXXX I sent you a formal dispute letter regarding the reporting of the charge-off account associated with Account Number:XXXX on my credit report. In this letter, I requested the following : XXXX. Authenticated double-entry accounting records for the account. 
XXXX. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt. 
XXXX. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance. 

I requested a response within 30 days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of response constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . 
Furthermore, in Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 

In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law. 
Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 

This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter. 

Thank you for your immediate attention to this matter. 
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