vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2600.00} XXXX, XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$3100.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$2600.00} XXXX XXXX Balance {$1700.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX Balance {$400.00} XXXX  XXXX XXXX Balance {$850.00} XXXX XXXX Balance {$4600.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. XX/XX/XXXXStates : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofXX/XX/XXXXwhich antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I, XXXX XXXX, owned a Best Buy/Citi credit card in XXXX. This credit card was used for small $ XXXX {$200.00} purchases, mostly on XXXXXXXX XXXX or add-ons throughout the year of XXXX. 

I, XXXX XXXX, stopped using this Best Buy-Citi credit card in late XXXX, and made a {$500.00} online payment on XX/XX/XXXX, which was the final payment made for charges that I personally made on the credit card. 

I, XXXX XXXX, received a letter from Citi on XX/XX/XXXX that claimed my loan with a balance of {$4900.00} had been sold to XXXX XXXX XXXX XXXX XXXX. 

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I, XXXX XXXX, received XXXX billing statements or fraud alerts from Best Buy/Citi about purchases made after I made the {$500.00} payment. 

I, XXXX XXXX, did not make the charges on this credit card, and I began attempting to figure out where the charges came from and how this happened without my knowledge. 

I, XXXX XXXX, along with my wife, XXXX XXXX, contacted XXXX XXXX XXXX XXXX XXXX shortly after receiving the letter on XX/XX/XXXX, and asked for a list of charges over the phone so that we could contact Best Buy/Citi and determine what the charges were and where they originated from. XXXX XXXX XXXX XXXX XXXX refused to give a list of charges in any shape or form, other than that XXXX of them was a XXXX purchase. 

I, XXXX XXXX, did not receive any notices or letter from XXXX XXXX XXXX XXXX XXXX after this phone call until XX/XX/XXXX, when I was served with a Summons for a lawsuit at my place of residence. 

After receiving the Summons, I, XXXX XXXX, sent an email to the law firm who served me, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. This email outlined that first of all, the charges made on the credit card were not mine and that I had already asked XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX for a list of the charges made and was refused. Had XXXX XXXX XXXX XXXX XXXX sent me a list of the charges in XXXX, I, XXXX XXXX could have taken care of this issue way before it advanced into a lawsuit. 

I, XXXX XXXX, received a response from XXXX, XXXXXXXX XXXX XXXX XXXX. that once again showed a total balance on the account, which I had received in XX/XX/XXXX, but did not show individual charges that were made on the account and where they were made. After this response from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, the debt was removed from my credit report. 

I, XXXX XXXX, once again heard nothing from XXXX, XXXX, XXXX XXXXXXXX, XXXX. from XX/XX/XXXX until XX/XX/XXXX when I served with a notice of hearing for default judgment.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name :XX/XX/XXXXAccount Number : XXXX Account Name XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX sectionXX/XX/XXXXI have the right to privacy. 

XXXX XXXX XXXX SectionXX/XX/XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionsXX/XX/XXXXStates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
Someone with my information obtained a XXXX XXXX XXXX and Maxed it out. It showed on my Credit Report as of last year and I have since been trying to get it removed to no avail.

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 2024-05-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: MD

Complaint narrative:
Experian did not provide a proper reinvestigation into this account : Account Name : XXXX XXXX XXXX Account Number : XXXX I have been provided with computer generated information claiming to be verified after reinvestigation. I submitted complaint XXXX on XX/XX/XXXX requesting a description of the reinvestigation and they did not provide it, which is a violation of 15 USC 168i ( 7 ). I did not receive description of the reinvestigation. 

Also withing the report, there are still inaccuracies. According to 15 U.S. Code 1681e ( b ) - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Experian is blatantly reporting inaccuracies of the account above with the following examples : Status of this account reports " Account charged off. {$13000.00} written off. {$13000.00} past due as of XXXX XXXX ''. If written off there should not be a reported balance. 

Inaccurate payment status : XXXX and XX/XX/XXXX are Both showing 30 days late, this is not mathematically possible. XXXX, XXXX, and XX/XX/XXXX are all showing 30 days late, again this is not possible. On XX/XX/XXXX, a C/O ( charge off ) status is reported, for the next 12 months, from XX/XX/XXXX, to XX/XX/XXXX, there is MISSING data. 

These inaccuracies are misleading and shows no confidence in the reporting of this account, and is detrimental to my credit worthiness. Please delete this inaccurate-filled account immediately.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXX {$0.00} XX/XX/XXXXXXXX Balance {$630.00} XX/XX/XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XX/XX/XXXXXXXX Balance {$5000.00} XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I requested a statement credit for {$180.00} today. For a stolen payment to my credit card company, and the bogus {$29.00} fee their customer service automation added. 

The other bank ( XXXX ) says there is no record of the payment being returned. The AMEX record consists only of their self-substantiated claim, with no confirmation number from the other bank. {$160.00}, taken on XX/XX/XXXX. The claim it was returned was post-dated on XX/XX/XXXX. They also have to return the {$29.00} returned payment fee, because they lied. Unethical and unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Please see attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXX: It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXXXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXX SectionXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of XX/XX/XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX of XXXX I filed a dispute with equifax, the deleted all of the fraudulent accounts on my report. On XX/XX/XXXX all the items were put back on my consumer file with out proper notice as per 15 usc 1681 consumer must be notified 5 days prior about reason of re inserting of accounts and right to remove accounts. There were no strict compliance with the statue Please have these items deleted and blocked from being put back on consumer file 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXX {$0.00}XX/XX/XXXXXXXX Balance {$630.00} XX/XX/XXXXXXXX XXXX {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XX/XX/XXXXXXXX Balance {$5000.00} XXXX XX/XX/XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXX {$0.00} XX/XX/XXXXXXXX Balance {$630.00} XX/XX/XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX Balance {$1300.00}XX/XX/XXXX XXXX Balance {$5000.00} XXXX XX/XX/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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following items are inaccurate and or incomplete. Please verify each account. Once investigation is completed please remove/delete all accounts not reporting XXXX. 

XXXX. XXXX XXXX XXXX. Account terms inaccuarate. Balance inaccurate, payment history incorrect XXXX. XXXX XXXX XXXX terms inaccuarate, payment history incorrect, balance incorrect XXXX XXXX account terms incorrect XXXX Account is closed but shows active payment history XX/XX/XXXXaccount number XXXX account terms inaccaurate. payment history incorrect and missing XXXX account number XXXX account information incomplete and incorrect and missing

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