vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-10-24 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed inquiries from your company that I do not remember authorizing. Its my understanding that credit inquiries should only be made with my consent. 
XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NJ

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi bank checking account to get my winnings from an online casino that do instant bank transfer, XXXX Charm Active in the last XXXX = Support Request Amount : {$82000.00} Transferred to : CITIBANK XXXX Last XXXX digits of the account : XXXX Reference number : XXXX Amount : {$8000.00} Transferred to : CITIBANK XXXX Last XXXX digits of the account : XXXX Reference number : XXXX Additionally, we would like to note that the bank and account details for these transactions match those used for your previous redemptions, including the {$550.00} transaction. 
If you have any further questions or require additional assistance, please don't hesitate to contact uS. 
Message... 
Send

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : see attached list To Whom It May Concern, This letter serves as my formal demand to have the charge accounts referenced above removed from my credit report immediately. Your bureau is currently reporting inaccurate and outdated information that is damaging my credit profile, and this is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Facts of the Case : 1. The accounts in question are erroneous and should not be on my credit report. 

2. No 1099-C form has ever been issued in relation to these accounts, which are required when a creditor cancels a debt of {$600.00} or more. The absence of such documentation strongly suggests the debt has not been legally canceled, yet your bureau continues to report this as a delinquent account. 

XXXX. According to FCRA, you are obligated to report only accurate and verifiable information. These accounts do not meet that standard, and thus, its continued presence on my report is illegal. 

I demand that you provide written verification of this debt within 30 days as mandated by 15 U.S. Code 1681i, and remove the account immediately if you can not do so. If this account is not removed promptly, I will have no choice but to escalate this matter further, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action against your bureau for continued violations of FCRA. 

Legal Violations : FCRA 611 ( 15 U.S.C. 1681i ) You are required to promptly investigate and remove inaccurate information from my report. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are required to report accurate information. As no 1099 has been issued, the accuracy of this reporting is highly questionable. 

Failure to comply with these legal requirements will leave me no choice but to pursue all available legal remedies, including statutory damages for each violation of FCRA, which can result in up to {$1000.00} per infraction. 

I expect to receive confirmation of the accounts removal within 30 days of receipt of this letter. If this demand is not satisfied within the allotted time, further action will be taken. 

Sincerely 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The FCRA requires that information reported to the credit bureaus must be accurate and up to date. USAA is missing my positive payment history from two bureaus and needs to be updated immediately so that it is reflecting accurately. 

Acct # XXXX is missing my positive payment history from XXXX and XXXX and needs to be added immediately This account should be reporting identical accross all XXXX bureaus so that it is accurate and fair to follow the laws of the FCRA 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am not liable for this debt with CREDIT COLLECTIONS SERVICES. I do not not have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$220000.00}

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 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Sunrise credit service in 8 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX, contacted me many times on the issue and I said to stop. 
15 usc 1692c ( c ) clearly states If a consumer notices a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. They have contacted many times which is illegal and offensive, I do not owe them anything and want this removed from my credit history, I have never signed anything or owed anything to them. I also asked them for the purchase agreement which they denied, please verify that these collections were 100 % accurate and if not please remove them from my credit immediately. Because the information is incorrect.

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 2024-10-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple failed to send my dispute to Goldman sacks bank and I had to pay for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately 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 2024-10-24 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:
Urgent Request for Immediate Correction of False Reporting : Upon reviewing my Consumer Reports, I was frustrated to find outrageous discrepancies regarding alleged late payments on accounts where I have ALWAYS made prompt payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : ( XXXX XXXX Account number : XXXX ) ( XXXX XXXX XXXX Account number : XXXX ) I DEMAND an IMMEDIATE and DETAILED investigation into these glaring discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide indisputable evidence, such as specific account statements, supporting the alleged lateness of these payments. FAILURE to provide such proof within the given 4-day timeframe will lead to my DEMAND that these payments be corrected to reflect their true, ON-TIME status, in full compliance with FCRA Section 611, which mandates precision and completeness in consumer reports. 

I have always fulfilled my payment responsibilities ON TIME and WILL NOT ALLOW this intolerable error to continue. RECTIFY THIS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: NV

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX. In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX I noticed there were unauthorized transactions in my account made on XX/XX/XXXX. There were XXXX unauthorized transactions made for {$1200.00}, {$1400.00}, {$1300.00}, {$1200.00}, and {$1300.00} from an unknown source named XXXX XXXX. I contacted Discover immediately the same day when this happened and was told I did not need to file a police report and that it would be handled by Discover after I submitted a statement of unauthorized withdrawal which I stated all of the information I've stated here. On XX/XX/XXXX I contacted them again and was informed that they declared it was not an unauthorized withdrawal and that I would have to resubmit a request with more documents. I have never heard of XXXX and from the information I gathered online myself, it appeared to be a horse race betting site which would be impossible for me to use since I am under XXXX XXXX XXXX age regardless so I could not have made these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 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: WA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24 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: WA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/XXXX, I booked flights for XXXX people on XXXX XXXXXXXX XXXX  ( XXXX  ) web site. There was an offer on the web site to apply for XXXX XXXX credit card through Citi. I tried the link several times but just got a XXXX page. I called XXXX, who asked me to try another browser ( XXXX  ). I did that but got the same result. So the agent sent me a link to apply, which I did. It was accepted and everything was proceeding smoothly - so I thought. 
The flights were double-booked, since the web site was extremely slow and did not confirm the first set of flights. I called XXXX  and they assured me that the second set of flights would automatically be rejected, since they were clearly duplicates. When I received my bill, I saw that there were two sets of flights. I called Citi and although I had to file an official dispute, they immediately removed the duplicate charges. Immediately after the call I remembered that I had wanted to ask about the {$200.00} credit, which was not reflected in the bill. I called back right then and there and spoke with another agent. She was very helpful and told me that I had not applied for the credit card that I thought I had applied for, and consequently would not receive the {$200.00} credit. I noted that I applied with a link forwarded to me from XXXX, she was sympathetic and forwarded my objection along with a screen shot of the offer into the bowels of Citil. She promised to call on Wednesday, XX/XX/XXXX, which she did. 
I couldn't get to the phone on time but called the number right back and spoke with a different agent. She told me that my request for Citi to honor their {$200.00} credit offer was rejected because I had not received the offer " personally. '' I don't know what that means. The offer is on their web site. How personal can it be? I booked the flights, I paid for the flights. She said that the offer was good only if I received it via a communication to me and me alone. But it's on XXXXXXXX XXXX web site! I used the link that they sent to me! The agent told me that the decision was made by somebody somewhere and that there was nobody else I could speak with nor anything I could do. 
Citi and XXXX  engage in deceptive advertising ( the offer is still on their web site- please see attached document ) and then proceeded to bait and switch. I used the link provided to me. I had no reason to believe that it was for anything other than the {$200.00} credit offer. Citi refuses to honor their advertised deal. They changed the rules of the game - I now have to have had a " personal '' offer. They engage in circular logic and if I don't pay their bill in full ( without the credit ), I'll have their wolves at my door in no time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief