vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: AZ

Complaint narrative:
recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investi
gation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-19 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial in accurately reporting consumer information. It is payment im perative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX, account number XXXX ], [ XXXX, account number XXXX ], [ XXXX XXXX XXXX, account number XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, If unable to furnish such proof, I demand that these payments be promptl updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  been damaging my credit report for the passes 5 years. I try to fix the proleme with them but they never cooperated.this is supposedly a 19 years that never belonged to me.I dispute this debt several times. They rejected my claim based on the fact Navient the lender confirmed the veracity of the debt. 
I believed 7 years is length of negative reporting but this debt is XXXX XXXX XXXX but they can provide me with promissory note for this debt or the last day of delinquency, which does not exist because I never pay a single dollar on this debt because it never been mine. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CO

Complaint narrative:
TO : XXXX XXXX, XXXX, or XXXX. XXXX XXXX. 

I have escalated the request for a full refund for the ticket I purchased and was canceled by XXXX XXXX, with my contact at XXXX XXXX services. 

As I have written documentation that I would receive a full refund as I could not travel for XXXX  and XXXX government issues, the insurance and the reassurance give us adequate cause to escalate these long-overdue requests. 

Please know that this course of action is distasteful to our XXXX, though now unavoidable. 

XXXX confirmed that someone other than myself DID receive my refund, but it was not my company or myself. ( XX/XX/XXXX request for refund was made ) and total balance was distributed ( unlawfully in the amount of {$97.00} to XXXX ) and an amount of {$2400.00} was rejected due to wrong information. ( Cancelled by XXXX XX/XX/XXXX, and second attempt XX/XX/XXXX rejected and only {$97.00} ) by XXXX XXXX was used for this attempt to receive funds. This is now deemed fraudulent. 

Our legal counsel will continue to pursue until such time as we are fully compensated. We will be in touch with the Secretary of State as needed. 


Kindest Regards, XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/year> at XXXX PM XXXX, XXXX XXXX XXXX wrote : Dear XXXX XXXX, XXXX this email finds you well. 

We are currently in the process of investigating this matter. 

Please allow us another XXXX business days to provide you with a comprehensive response. 

If you have any questions in the meantime, please feel free to contact us. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Chex Systems XXXX. Please delete ALL the following accounts and ALL Inquiries.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OK

Complaint narrative:
I receive unwanted text from this company called " XXXX XXXX  '' every single day. I report it as junk and delete it. There is a suspicious link in the contact and it auto populates an account number when I click it. I have no idea who sunrise debt is I have no accounts with this company and would like the constant communication to stop

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 2024-12-19 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Address Update Request First and foremost, I demand that you immediately update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ONLY! 
Contact Information Removal Remove all previous contact numbers associated with my account as I do not have a contact number at the moment. 

Email Update Remove ALL existing email addresses and update it to : XXXX ONLY! 
Negative Accounts Removal I am formally disputing and demanding the immediate removal of all negative accounts associated with my profile, specifically : XXXX XXXX XXXX XXXX XXXX # : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX These accounts have not been reported in accordance with the FCRA, specifically under FCRA Sections 605 ( a ), 607 ( b ), and 623, which regulate the reporting and accuracy of negative information. As per my rights under FCRA 611 ( a ) ( 1 ), I request a thorough investigation into these accounts and their immediate removal if inaccuracies are found. 
Inquiry Removal Furthermore, I demand the removal of the following unauthorized inquiries from my ChexSystems report, based on my rights under FCRA 604 ( a ) ( 3 ) concerning unauthorized access to my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX : XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX XXXX The inquiries listed above were conducted without my authorization and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 and FCRA 606.

These accounts listed above have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
my account at XXXX XXXX was compromised and the routing # or account Number that was linked to gemini was changed for safety. 
i had made a purchase of gemini crypto currency. the money did not get transfered they still made the trade and paid for it out of the XXXX XXXX XXXX i had on deposit. Then they froze the account and for about 2 years i have been getting the run around from them. Never able to talk to a live person just bot robots or chat team. they never get it right they keep asking me to identify myself which i have numerous times. Change a good password that was never compromised. Ask for more security on devices ect ect. every time you give them what they want they come back with something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
credit reports are required by law to be accurate. The Fair Credit Reporting Act ( FCRA ) is a federal law that ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA, both the credit reporting companies and the information providers ( such as banks and credit card companies ) are responsible for correcting inaccurate or incomplete information in your report. If you find any errors, you have the right to dispute them, and the credit reporting company must investigate the claim fully, not just with furnishers. Providing inaccurate or outdated information on a credit report is not legal under the Fair Credit Reporting Act ( FCRA ). It has been longer than 30 days, since my complaint was filed and the incorrect information is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello : I was scheduled for a tire replacement at XXXX on XX/XX/year>. My appointment was at XXXXXXXX XXXX and I got there at XXXX XXXX Before they could replace my tires, I had to renew my expired Costco membership. I used my credit card to pay, but unfortunately, XXXX only accepts visas, not master cards, and I only have master cards. 

The employee mentioned they offer Visa credit cards and asked if I would like to apply. I said I would try since I had no choice. After filling out the form, the result was a credit card saying I would receive an email for the results. I asked the employee if I could contact Citi about why there were no results. 

So, I called Citi Card and spoke to a gentleman who stated that my credit was locked and that I needed to unlock it and call us back. So, I called XXXX and went through the process of unlocking my credit. I called Citi Card back, and I was on hold. While on hold, waiting for the representative, the tire department employee told me that I could buy the tires online and use any credit card. She said I could do that instead of applying for a visa card. 

When the Citi employee answered the phone, it happened to be the same gentleman I spoke with, so I told him that I did not need to apply for a visa because, per the XXXX tire employee, I could order the tires online and use any credit cards. The rep asked if I was sure I didn't want to proceed with the application. I said yes, I do not wish to proceed since I can order online. He said I won't press the button to proceed. 

After checking XXXX, I found out the hard inquiry had been submitted, so I filed a dispute. I contacted XXXX today, XX/XX/year>, and was told to go to this website, fill out the form, and file a complaint. 

I asked the Citi card employee to stop my application, and he agreed. I am filing a complaint and requesting that this hard inquiry be disputed. 

Thank you in advance for your time and cooperation.

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 2024-12-19 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my XXXX  XXXX  or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: PA

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

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

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

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 2024-12-19 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: PA

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

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

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

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 2024-12-19 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 15 USC 1681. In addition to not acknowledging fraudulently opened accounts. XXXX XXXX Acct # XXXX {$2100.00}, XXXX XXXX XXXX Acct # XXXX {$560.00}, XXXX Acct # XXXX {$290.00}, XXXX  XXXX XXXX Acct # XXXX {$190.00}, XXXX XXXX Acct # XXXX {$5000.00}, XXXX XXXX Acct # XXXX {$620.00}, XXXX XXXX Acct Acct # XXXX {$1400.00}, XXXX XXXX Acct # XXXX {$4000.00}, XXXX XXXX  Acct # XXXX {$1000.00}, XXXX XXXX Acct # XXXX {$1400.00}, XXXX XXXX Assistance Acct # XXXX {$890.00}, XXXX XXXX XXXX XXXX XXXX {$1200.00} Be advised these accounts are reflecting duplicate reporting as well.

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 2024-12-19 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: FL

Complaint narrative:
XXXX & Equifax No Accurate Whit my credit Report XXXX XXXX XXXXXXXX appears XXXX XXXX XXXXXXXX and XXXXXXXX XXXX  Exquifax XXXX  XXXX XXXX XXXX and XXXX XXXX  In the Same Account Show XXXX XXXX XXXX Payments 100 % Payments XXXX  over 7 Years Remove the NEGATIVE MARK in my Credit REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance Collection Agencies, Inc.
State: GA

Complaint narrative:
I am still dissatisfied with Alliance collection agencies second response to my compliant. I made a request in my second compliant for the company to not placed any negative information onto my credit report and they didn't respond to that request. They would be violating my rights, the FCRA and FDCPA 1692e ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Multiple applications for credit cards, lines of credit, auto loans etc. I have been trying get my credit back XXXX where it was and have not applied to any credit service in 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 2024-12-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I noticed that there are Inaccurate reportings on my credit report. There are inaccurate addresses and Inquiries being furnished. Being though this is and violation of my right to a 100 percent accuracy. I would like this attached items removed immediately. Thank you. And this is not a third party filing this complaint.

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 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm is charging me for a service ( XXXX $ ) .I never received and cancelled before the cooldown period. I was entitled to a no-questions ask cancellation during the cooldown period to which I exercised and requested by phoneAffirm has recently reported erroneous information to the credit bureau regarding the service that I never received and cancelled and it has had a negative effect on my credit report

Company response to consumer: Closed with explanation