vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian will not allow me to unfreeze my credit report to apply for a car loan. I entered my information numerous times over the phone with no help from the automated system. The automated system would not allow me to speak with a " specialist ''. I had no problems calling the other bureaus and have the freezes temporarily removed. The other bureaus were quite helpful and very professional.

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 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I received a letter from TRS on behalf of Tele-Check Services on XX/XX/year>. TRS Is attempting to Collect a fraudulent debt which I HAVE listed on my Identity Theft Affidavit which is attached. This is accurately listed and is clear on the identity theft affidavit statement of the crime. My check book was stolen from XXXX and XXXX. In the check books checks were written to a XXXX and a XXXX XXXX. These Checks were reported as Unauthorized ACH. The reason for the unauthorized ACH was because these checks were forged and stolen. Which I reported to Both Banks. TRS Is trying to collect on these items stating that they have XXXX Receipts. I viewed the receipts they attached those aren't my signatures. I did not authorize any transactions with a XXXX XXXX, Nor with a XXXX. I am sorry that TRS has to attempt to recovery Debt that was incured by Fraudulent matters. These checks were not placed as stop Payment. I Reported these transactions as UNAUTHORIZED ACH 's to the Banks I listed above. I did not submit a stop payment request. I notified them that the Checks were forged and stolen, which proceedingly had me submit an ACH Unauthorized form writing these items in that were charged to my account from the stolen checks that were forged without my consent. Again I do not owe these debts and I do not take responsibility. These are not my signatures. These checks were converted into XXXX 's and they were forged. TRS should not attempt to collect a debt that was fraudulently obtained. When a check is forged It is not my fault, and Again I reported these checks as STOLEN. FRAUD. Not Stop Pay. The ACH TransactionsXXXX 's were accurately reported as unauthorized, However XXXX and XXXX XXXXt sent these to Tele-Check to pay them when they knowingly knew they were fraudulent transactions. That way they could have Tele-Check warranty the items. I did not authorize these transactions and again, This is Identity Theft, The checks were stolen they were converted to XXXX/ACH and they were reported as UNAUTHORIZED EFT/ACH Transactions. Signatures were forged on the stolen checks. I will not be paying for something I did not write that was stolen. I did not receive any benefits from these trans actions. Please correct your reporting.

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 2024-02-08 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: CA

Complaint narrative:
I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated.Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged 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 2024-02-08 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: CA

Complaint narrative:
I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated.Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX 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 2024-02-08 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: SC

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 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: TX

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX XXXX XXXXCompliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX  stipulates that '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.Listed below are the Collections that are being challenged : XXXXXXXX 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 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a XXXX XXXX AccountXXXX that is shown as charged off on my Transunion credit report, and I have a 1099-C from the IRS and XXXX XXXX cancellation of debt , which means this needs to be deleted right away.

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 2024-02-08 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: IL

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-08 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: SC

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-08 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: SC

Complaint narrative:
Experian has failed in their obligation to limit furnishing on a consumer report with verification of verifiable documentation of written instructions of whom the consumer relates I am asking for verifiable documentation of written instructions of whom the consumer relates 15 USC 1681e compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 USC 1681i Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXXXXXX  instantly. 
As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Express 's FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XX/XX/XXXX, the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasn't been equal consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I tried using my {$1000.00} and {$590.00} American Express reward cards at multiple online retailers but was continually declined. I called customer service and they were no help at alltelling me that some retailers just dont accept this card. I would not have elected to receive a gift card with AmEx had I known I couldnt use this huge amount of money at any of the stores I shop. The false advertising that this reward card would be accepted wherever AmEx cards are accepted was misleading and untrue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 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: FL

Complaint narrative:
EQUIFAX is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent EQUIFAX written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.Listed below are the Collections that are being challenged : 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 2024-02-08 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: TX

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.Listed below are the Collections that are being challenged : XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of wire fraud at the hands of Citi online banking. My checking account was hacked into on XX/XX/XXXX at XXXX. I was alerted to the activity on my account via email, and was on the phone with Citi fraud department by XXXX reporting the incidents as they were taking place. The hacker changed my password, added themselves as a wire transfer recipient and then wired two transactions- one for {$1800.00} and one for {$1400.00}, completely emptying my checking account. The representative assured me it would be fine, and that it was out of my hands and he would " do his job ''. I called Citi for an update on XX/XX/XXXX and was only then given a reference number and told to fill out and fax a wire fraud affidavit for both transfers. I filled them out and faxed the notarized affidavits to the Incident Reporting Unit on XX/XX/XXXX. I called on XX/XX/XXXXXXXX  looking for an update on my case. I called once and was rudely hung up on by a representative claiming she can only give an update to the authorized account holder ( which is ME ) after I had gone through the security protocols with her and verified my identity already. I called a second time and was put on hold multiple times. I gave them my information and reference case numbers and was transfered. The representative stated that they were not able to get my money back from the account of the person who had stolen it. He said that it was now no longer a Citibank problem, and that if I want to get my money back I would need to take legal action against the hacker on my own. I began asking questions like " How should I go about that? Who will pay for the legal fees if Citibank allowed all of my money to be stolen? How do I even know who I am taking legal action against? '' He responded with " We tried our best to get it back '' and then proceeded to HANG UP ON ME. I am still sitting here in shock and disbelief at how unprofessional I have been treated by Citibank. I plan to take legal action against Citibank to get my money back.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I signed up for overdraft protection and the company is still charger me a fee for return check fee of {$29.00}. I was charged {$100.00} for overdraft protection fees. When I charged my card for XXXXXXXX XXXX purchase the funds was in my account but I still was charged XXXX per transaction because of the company process the transactions. I dont understand wht is protecting me cause I have all these fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief