vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention a persistent issue I have encountered with the credit reporting process. Despite my efforts, incorrect addresses continue to be listed on my credit report, negatively impacting my financial standing. 

I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect address remains unchanged. I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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:
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. 


I told XXXX and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-16 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: TX

Complaint narrative:
I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof that the breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. XXXX and XXXX have since removed this account. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated, and time stamped. 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 2023-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a {$500.00} per paid AmEx gift card from my place of work. On XX/XX/XXXX and XX/XX/XXXX I attempted to use the prepaid gift card at XXXX XXXX in person, XXXX XXXX online, and XXXX. Each time was declined and charged XXXX cents for each attempt. 
I call customer service on XX/XX/XXXX at XXXX ( AZ time ) but only got to a pre recorded message stating that heightened security measures wont allow me to use it at some places. The places I tried to use it are huge. The fact that I can not use it at those 2 places is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023, I applied for a Sam 's Club membership online. On that same day I went to a Sam 's Club, located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I purchased a laptop, which had {$120.00}, Additional Savings, from the original price of {$590.00}. A Sam 's Club employee ( name not visible ), retrieved the laptop from a locked cage. As that same employee was checking me out at a register, he told me if I applied for a Sam 's Club XXXX I would get an additional 6 % off the laptop. When I got the receipt, I noticed I didn't receive an additional 6 % off the laptop. At approximately XXXX I called the Sam 's Club customer service number : XXXX, and they transferred me to the XXXX  department. I was told there wasn't an additional 6 % off the laptop. It was a 1 % cash back on my second statement. I went back to the store to return the laptop, with the intention of buying it again but with a different credit card which will provide me with better benefits. Team leader : XXXX, was not able to do a return to the Sam 's Club XXXX for a credit. A supervisor, ( give me XXXX, as her name ), was also not able to do a return to give me a refund/credit on the Sam 's Club XXXX for a credit. XXXX got another employee who told me I will not be able to receive a refund credit until I get the physical credit card in the mail. I told her it's insane that I can buy something without the physical credit card but not be able to return and get a refund for it. At that point I did not want the laptop, nor did I want to hold on to it until the credit card arrived via the mail. The employees kept telling me I could not receive a refund ; I even had a CSR -customer service rep- on the phone with me, XXXX ( XXXX ). Finally, after such a lengthy time, approximately XXXX, the employee was able to do the return and credit/refund to the Sam 's Club XXXX. I lost the five dollars reward I was supposed to get for becoming a Sam 's Club member that day, because the five dollars was credited to the XXXX, which I no longer want. The acting supervisor told me I can call the XXXX department so they can mail me the five dollars. At that point I didn't even want to be a member of Sam 's Club. I requested a refund for the membership, which the team leader ; XXXX, was once again having a difficult time doing. I wasted my entire afternoon & evening in Sam 's Club. 

I also wasted time the following day on the phone XXXX with a XXXX. There is absolutely no phone customer service and/or a positive resolution, just a lot of ; 'I 'm sorry '. Calling early during the day made no difference, just another 64 minutes of my time wasted. 

On XX/XX/2023, I finally received the Sam 's Club XXXX, in the mail.

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 2023-12-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an Amex gift card from work and it says it is accepted at all merchants where Amex is accepted but I can not get it to work anywhere. I have tried XXXX, XXXX and XXXX. A search of this issue shows that I am not alone as many people are having trouble using the same card. Amex does not seem to have a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 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 having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated and time stamped. 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 2023-12-16 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: TX

Complaint narrative:
I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated and time stamped. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: DC

Complaint narrative:
I am still having difficulties for XXXX XXXX to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: WV

Complaint narrative:
This is the THIRD CFPB complaint I have filed against LexisNexis to correct errors in my consumer file. In response to my last CFPB complaint, LexisNexis dubiously claimed that I failed to submit sufficient evidence of my identity. To prevent any further unfounded assertions by LexisNexis regarding proof of identity, I have attached my drivers license, birth certificate, passport, social security card and cell phone bill dated XX/XX/, with my current address. I have also attached the confirmation letter from LexisNexis in response to my most recent request for a copy of my consumer file. My consumer number is XXXX. My case number is XXXX. I have also attached the applicable pages of my consumer file containing the information I wish to dispute. My full legal name is XXXX XXXX XXXX XXXX, NOT XXXX XXXX as stated in Section 1 of my report. Please see the attached documentation. Please remove the name XXXX XXXX from Section 1 of my file. Additionally, my phone number is NOT XXXX as listed in Section 1 of the report. Please see the attached phone bill. I have NEVER used the number XXXX. LexisNexis falsely claimed that this number was not listed in my file in response to my last CFPB complaint. However, the attached evidence is irrefutable. I want this number to be removed from Section 1 of my file. Finally, as previously stated, my full legal name is XXXX XXXX XXXX XXXX. Section 8 of my file incorrectly states that my name is XXXX XXXX XXXX XXXX. Please remove this incorrect name from my file. It is my sincere hope that my file will at last be accurate as a result of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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:
I sent a request for investigation under FRA 611 ( a ) to ( EXPERIAN ) on ( XX/XX/XXXX ) in reference to the following account ( s ) : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate, otherwise the information must be removed under federal law. EXPERIAN has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 

Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 

I am asking for this verification because my credit score is important to me. and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I would like to remind you of Dixon-Rollins v. Experian Information Solutions . Inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information I expect to receive a response within 15 days of receipt of this letter. or I will expect to see the item in question permanently expunged from my record.

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 2023-12-17 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: Carvana Group, LLC
State: DC

Complaint narrative:
I am still having difficulties for Carvana LLC to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with CAINE WEINER company I believe the original creditor XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On the first week of XXXX of this year, I received an email from Macy 's to review my purchases made last month, however, I have not made any purchases since XXXX of XXXX, because I only use the card when my family is visiting me from my country. Multiple purchases were made on XX/XX/, in different locations totaling {$1500.00}, purchases of {$450.00} in XXXX XXXX, one of {$780.00} in XXXX XXXX, and another purchase of {$280.00} in the XXXX all on the same day. I haven't had my Macys card since I took my car on XX/XX/, to a car wash in XXXX, California. When I noticed these purchases I immediately called Macy 's to report fraud because I did not get any fraud alert of multiple charges being made nor did I make them myself. For 4 months I had to wait for Macy 's to get back to me, meanwhile also having to be responsible for paying a higher minimum monthly payment because my total balance was past its limits, I was furious because I was being made responsible for making these payments on a balance that is incorrect because of the fraud that was committed. Afterward, I received notice that my claim was denied because the person who made it, made it incorrectly, this XXXX I called and re-filed a claim for fraud because I did not want to be made responsible for such a high balance I was not responsible for. And now on XX/XX/, my claim was denied due to insufficient information, and now it is affecting my credit but also my livelihood because I work hard for my money and struggle financially. It hurts to see that his company did not send any notice to make sure I was responsible for these purchases and normally when you purchase an item in person using the store credit card they check ID in person. I need to report that this is a violation of my rights as a consumer because i am not being assisted with the proper help I require as a loyal customer that I have been for years.

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 2023-12-17 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:
In accordance with 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 XXXX XXXXXXXX. Account name : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Equifax ) XXXX Account name : XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : US DEPT ED XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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