vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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:
I am writing to formally dispute the reporting of a charge-off account on my credit report. This letter serves as a direct dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

The following account is inaccurately reported on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : ( Not Reported ) Payment History : ( Not Reported ) Date Opened : XX/XX/year> Date of First Delinquency : ( not reported ) The information reported for this account is incomplete and misleading for the following reasons : The account does not show a current balance, which is required for accurate reporting. 
The payment history is missing, which fails to provide a complete picture of the account status and activity. 
In accordance with Metro 2 compliance standards, all reported accounts must include complete and accurate information. The absence of a balance and payment history violates these standards and results in an inaccurate portrayal of my creditworthiness. 

To support my dispute, I have enclosed copies of the following documents : I previously request that you conduct a thorough investigation and all information came back verified and accurate by your credit bureau I ask that the charge-off account be deleted from my credit report due to incomplete and inaccurate information. 

Please provide a written response regarding the outcome of your investigation. I expect this matter to be resolved within the XXXX-day period mandated by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-07-10 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: MO

Complaint narrative:
I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. They should correct the following accounts completely from my credit file : DEPTEDXXXX XXXX Balance : {$6500.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPTEDXXXXXXXX  XXXX Balance : {$1100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

DEPTEDXXXX  XXXX Balance : {$2300.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

DEPTEDXXXX XXXX Balance : {$6200.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 
DEPTEDXXXXXXXX  XXXX Balance : {$2500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
DEPTEDXXXX XXXX Balance : {$2600.00} - Please take off the late things from this account because I think I made my payment on time. 

DEPTEDXXXX XXXX Balance : {$6300.00} - I need this account be corrected NOW.

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 2024-07-10 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I applied for a CitiBusiness AAdvantage Platinum Select MasterCard. My application was accepted with an offered bonus of 75,000 AAdvantage miles for spending {$6000.00} within the first 180 days. 
On XX/XX/XXXX, I added my husband as an authorized user on the card. 
From XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, there were multiple incidents where Citi locked one or both cards for purported fraud concerns. My husband called to unlock his card but I did not want to spend the time to call and navigate their phone tree. 
On XX/XX/XXXX, 154 days after application, I completed the minimum spend requirement and should have received the AAdvantage miles as a bonus. 
On XX/XX/XXXX, I chatted with XXXX on citi.com to discuss the missing miles. She informed me that I must first call to unlock my card. 
On XX/XX/XXXX, I called customer service who advised me to call the security team. The security team informed me that I should call fraud team. The fraud team finally unlocked my card. After unlocking the card, I called customer service who advised that I should call the application status team to find out why I had not yet received the miles. 
On XX/XX/XXXX, I called the application status team who informed me that I was not eligible for the bonus because my husband had received the bonus seperately for a card that he opened in XX/XX/XXXX. I protested that the accounts were separate so the customer service representative, XXXX, told me he would file a protest on my behalf and that I would learn the results within 7-10 business days. 
On XX/XX/XXXX, I received a letter via US Mail informing me that " bonus miles are not available if you have received a new account bonus ''. 
I have not previously received a new account bonus. I fulfilled the terms of the signup bonus agreement and Citi is now refusing to release the miles to my account. Reaching someone who can can help me has been an impossible task and each phone call takes 30 minutes or more. I have called at least 10 times for various reasons including unlocking the card.

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-07-10 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: MO

Complaint narrative:
I am writing to urgently request your assistance in correcting inaccuracies regarding late open accounts and removing late closed accounts from my credit report. Despite thirty-seven previous attempts to resolve these issues directly with the credit bureaus and creditors, the inaccuracies persist, significantly impacting my creditworthiness. This letter marks my thirty-eighth attempt to resolve these issues, and I am in dire need of your intervention. Despite my repeated attempts to dispute these errors and provide extensive documentation, the inaccuracies remain uncorrected. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. I am now seeking for the intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me correct or remove the following accounts immediately XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.

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 2024-07-10 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: MO

Complaint narrative:
I am writing to urgently request your assistance in correcting inaccuracies regarding late open accounts and removing late closed accounts from my credit report. Despite thirty-seven previous attempts to resolve these issues directly with the credit bureaus and creditors, the inaccuracies persist, significantly impacting my creditworthiness. This letter marks my thirty-eighth attempt to resolve these issues, and I am in dire need of your intervention. Despite my repeated attempts to dispute these errors and provide extensive documentation, the inaccuracies remain uncorrected. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. I am now seeking for the intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me correct or remove the following accounts immediately XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Blockchain.com , Inc. XXXX XXXX XXXX XXXX XXXX XXXX 

The issue at hand is related to my accounts XXXX, which were registered in XXXX. According to the policy at that time, the passwords for these accounts can be recovered if the login password is forgotten. 

However, I am confused as to why the passwords can not be recovered at this time, and I have never received any notification from Blockchain.com informing me of any changes in the password recovery policy. 

I strongly request that my passwords be recovered! As a long-term user, my accounts are very important to me because they are directly related to the evidence requested in ( COMPLAINT ID XXXX ), and I need information on the remittances of Bitcoins sent from these accounts at that time.

I need to regain access. I implore the CFPB to investigate this matter and take appropriate action. If any additional information is required, Please provide me with the necessary steps and I will cooperate by providing the requested information. I would appreciate your prompt response and help in resolving this matter.

I look forward to the CFPB 's attention to this complaint and a positive response. Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 2024-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NJ

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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