vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
I am writing to urgently dispute a glaring error on my credit report that has unjustly damaged my credit score and financial reputation. The payment history for my XXXX XXXX XXXX XXXX account ( Account Number : [ XXXX ] ) shows a 60-day late payment for XX/XX/year>, even though I paid on time. It is impossible for an account to jump from " paid on time '' to " 60 days late '' without any prior delinquency, making this error both illogical and deeply misleading. This false reporting has manipulated my creditworthiness, caused unnecessary stress, and made me feel taken advantage of by a system that is supposed to ensure accuracy. I have already given two opportunities for this to be investigated, yet the error remains, leaving me no choice but to demand the immediate deletion of this account from my report. Enclosed is a copy of my credit report highlighting the incorrect information. I expect this matter to be resolved promptly, and I look forward to confirmation that this account has been removed. Thank you for your urgent attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
I am writing to formally dispute the information reported on my credit report regarding the account XXXXXXXX XXXX XXXX XXXXXXXX ). According to my records, there have never been any late payments on this account, and all installments have been paid on time. 

However, my credit report currently reflects an inaccurate status that does not properly represent my timely payments. Therefore, I respectfully request that this information be corrected immediately to accurately show that the account is current and without any late payments. 

I appreciate your prompt attention to this matter, and I am prepared to provide any additional documentation needed to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
There was some sort of fraud alert on my account and prevents me from accessing my account. I have them a call to authenticate myself, but they weren't able to authenticate me and while i didn't receive the card I decide to wait on the card a bit. 

Called them XX/XX/year> : about this issue they just said we can't authenticate you using the number. 

XXXX : finally received the card. Try to activate it, i have to log into my account which i can't at the moment. 

Gave them a call back again, same thing. getting frustrated with whole thing. I have account with other major banks and didn't have this issue. Feels like I made a mistake signing up for this 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 explanation
Consumer complaint received 2025-01-06 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: AR

Complaint narrative:
LaPorsha Tatum 902 S. Walnut # D15 Hermitage, AR 71647 Dob : 3.14.88 Sos : xxx.xx.2494 Date : January 5, 2025XX/XX/XXXX To : Attn Supervisor Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Accounts and Inquiries FTC Complaint : XXXX Dear Sir or Madam, I, XXXX XXXX , hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent.

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report.

-- - Accounts to Be Removed : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX  Account Number : # XXXX Date Opened : XX/XX/XXXX These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity.

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security card FTC complaint Notarized Affidavit Personal statement letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: DISCOVER BANK
State: MI

Complaint narrative:
Purchased in-game credits for a game that was the fake version of the original game. The game is shut-down and doesn't have customer support taking care of any requests. I never got this credit since I can't access the account. I received a response from the payment provider that this was a person-to-person transaction and no goods were expected to be delivered - However, this was not and I have reopened the dispute with Credit Card. The credit card issuer provided no reasons as to why it was denied other than something along the lines of the info I provided was either already reviewed or the same as before. But I never got a reason why the case was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: KY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
Multiple times I disputed this. Not one time did they change the information. Even though I furnished them multiple excerpts of proof. I then reached out asking for the information they used to come to their conclusion or decision on the dispute. I recorded that conversation and I have copy of that for my record if it's necessary. But it was refused. I was refused a copy of how they came up with that decision. They said that that creditor is the one responsible for what's on my account. They were not taking any accountability in their decision.

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 2025-01-06 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 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: CO

Complaint narrative:
The Fair Credit Reporting act has a process on how someone is allowed to put neg or positive stuff on my credit report. I have sent 4 different sets of challenge letters to EACH of the reporting credit agencies to show that they did not follow the correct steps to place this bankruptcy on my credit report and they have ignored my request and I am not getting a response. They were supposed to call me, have it be recorded conversation to verify that I am who I am, and that info was correct before putting it on my credit report. They do not have the legal right to place this info on my credit report and I want it taken off. Show me the documentation they they did the correct steps before putting this on my credit report. I sent a total of 4 challenge letters, they never addressed my original request to see the documentation that they did the right steps before adding this to my credit report. I thank you for your time, and hope this gets fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting act has a process on how someone is allowed to put neg or positive stuff on my credit report. I have sent 4 different sets of challenge letters to EACH of the reporting credit agencies to show that they did not follow the correct steps to place this bankruptcy on my credit report and they have ignored my request and I am not getting a response. They were supposed to call me, have it be recorded conversation to verify that I am who I am, and that info was correct before putting it on my credit report. They do not have the legal right to place this info on my credit report and I want it taken off. Show me the documentation they they did the correct steps before putting this on my credit report. I sent a total of 4 challenge letters, they never addressed my original request to see the documentation that they did the right steps before adding this to my credit report. I thank you for your time, and hope this gets fixed as soon as possible.

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 2025-01-06 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: IL

Complaint narrative:
CFPB Complaint Against Experian Regarding XXXX XXXX XXXX Subject : Inaccurate Reporting by Experian XXXX XXXX XXXX XXXX  Account Introduction : This complaint is being filed against Experian for failing to ensure the accuracy of information reported by XXXX XXXX XXXX. XXXX XXXX has failed to provide proper debt validation, proof of licensing in Illinois, and documentation to support their collection efforts. Experians continued reporting of this inaccurate information violates the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations : 1. XXXX XXXX XXXX is not licensed to collect debts in Illinois. 
Despite this, Experian continues to report their collection account. 
2. XXXX XXXX has failed to validate the debt properly under the Fair Debt Collection Practices Act ( FDCPA ). 
3. The contract provided by XXXX XXXX shows it is governed by XXXX law and California jurisdiction, raising further questions about the legality of their collection efforts in Illinois. 
4. Experian has not conducted a proper investigation to verify the accuracy of the information being reported, as required under the FCRA.

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 2025-01-06 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: FL

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 explicit consent 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 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc.

Complaint narrative:
I work as a XXXX and one of our virtual wallets options is Veem, I decided to try it out to check conversion rates and fees, the first payment was supposed to arrived on XXXX, between the XXXX and XXXX, this is not the case, veem says the already deposited the number but provided a simple document with insuficiente information. 

Following instructions from my bank, I requested a fed number and a XXXX XXXX  but they haven't provided this info, they mentioned they would initiate a recall process, this was said on XX/XX/year>, but they haven't provided any answer as of then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was part of the data breech. By right I have a right to accurate information on my credit report. I have contacted the 3 credit agencies regarding the data breech and my identity compromised but have not received any outcome yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: NM

Complaint narrative:
They contacted my mother stating they needed to locate me to serve legal documents. They left a phone number with her that I called back. XX/XX/year> When I called the number they stated they were a law firm specializing in debt collection? " XXXX, XXXX and XXXX '' spoke with a XXXX who began telling me that a civil litagation was being brought up against me from US Bank for malicious intent to defraud and stated that I will have to pay them upwards of {$3000.00} plus extra for taking so long to respond to them. They stated it was from XXXX, XXXX  which I moved away from there over XXXX AGO. I asked for clarification and she began to threaten to garnish my wages and add additional fines and fees to this process. she then stated that she was just a mediator and told me to respond to the court documents that i would be served with in the next few days. She didnt have my current address to serve such papers. I called her back to get more information and she couldnt tell me anything. No dates or names or even who they were specifically. When asked again for clarification she hung up on me. I called right back only to be put on hold for XXXX then my call was somehow merged with another clients phone call who was also being scammed by these people. The other client was raging mad and yelling at me as if I was the one who called them. I explained to them that I was also being contacted by these people for some shady business and then i ended the call. They refuse to answer my calls now and have threatened to sue me, threatened to take money from me and threatened me with jail time and more fines if I dont respond to their " case action '' against me.

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 2025-01-06 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: FL

Complaint narrative:
They decided to close my account for no reason with money and now they saying that i dont have money in my account so they stealing my money they told me go to the branch and when i go to the branch they said call the costumer service

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-01-07 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: GA

Complaint narrative:
I received a copy of my consumer report and I have some inaccurate information reporting. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed these accounts because it is fraudulent and I have filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on these accounts. Who did you interview to come to this conclusion that this was my account? This is a violation and I am asking that these accounts XXXX delete ASAP from my consumer report or I will file a lawsuit. 

I was apart of XXXX XXXX 15USC 1681C-3. I am already going through a tough time and I have to deal with this type of stuff. I am trying to get y life together and these things are holding me back.

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