vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX falsely claimed that I rent for renting with them even though I did not rent with them but only started the process and quickly requested to end it when they failed to offer me a pet-free unit. This was even several months before when the lease would go into effect. Nonetheless, NATIONAL CREDIT SYSTEMS reported this debt to XXXX. Before making this complaint, I had reached out to the debt collector with information but did not hear from them. Thereafter, I filed a dispute with XXXX, and they merely did nothing to investigate my complaint. The actions of the debt collector have harmed my chances of renting an apartment because the information has been used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never authorized the security freeze on 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 2025-01-08 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-08 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: DE

Complaint narrative:
XXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Lexis Nexis RE XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Remove all inquires associated with my account Also remove the late payments attach to the following Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly Remove all address not listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove all Phone Numbers not listed below : XXXX Remove all Email addresses not listed below : XXXX XXXX Remove All Names Associated not listed below : XXXX XXXX XXXX XXXX As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  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 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). This people took control of my life and I feared for my life during this horrendous occurrence. 


I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from all of my credit reports for myself XXXX XXXX XXXX XXXX last four Social Security number is XXXX, XXXX : XX/XX/XXXXXX/XX/XXXX Please delete the following accounts. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not request the security freeze on 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 non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Since XXXXXXXX XXXX I have made several attempts to have an items removed from my credit report and they failed to remove an item. I have summited the proper paperwork which they keep ignoring and just send me a letter that's it verified. 

This is my second complaint filed with CFPB for this same issue and they sent me a emial claiming its verified. 

XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX I face financial harm because of their blatant stall statics.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that Ineed deleted are going to be attached in a word document. I am a victim of identity theft. I havemultiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that theseitems be deleted so my credit report will only show accurate information. I reported the theft of myidentity to the Federal Trade Commission and have enclosed copies of the report. I would like theseitems deleted from my credit report as soon as possible. Please block this information from my creditreport, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
Complaint Regarding XXXX XXXX XXXXSunTrust Failure to Validate Debt and Improper Credit Reporting To Whom It May Concern, I am writing to file a formal complaint against XXXXXXXX XXXX XXXX/SunTrust for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX/SunTrust is reporting an account on my credit report that I dispute, and they have not provided proper validation of this debt. 
Details of the Complaint : Failure to Validate Debt : Pursuant to 15 U.S.C. 1692g of the FDCPA, I have the right to request validation of the alleged debt. I am formally disputing this account and requesting detailed validation, including the original creditors information, proof of ownership, and a full accounting of the debt. XXXX XXXX XXXXSunTrust has not provided sufficient evidence to establish the validity of this debt. 

Improper Credit Reporting : XXXXXXXX XXXX XXXX/SunTrust  is reporting this account to the three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX Under 15 U.S.C. 1681s-2 of the FCRA, furnishers of information are required to ensure the accuracy and integrity of the data they report. Reporting a debt without proper validation violates my rights under the FCRA. 

Harm Caused : The inaccurate reporting of this unvalidated account has negatively impacted my credit score and financial standing. This has caused undue stress and hindered my ability to secure credit and other financial opportunities. 

Relief Requested : XXXX XXXX XXXXSunTrust must validate the debt in accordance with the FDCPA, providing all required documentation to substantiate the validity and ownership of the debt. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Confirmation in writing that the account has been removed or validated as appropriate. 

I kindly request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX/SunTrust complies with federal regulations governing debt validation and accurate credit reporting. 

Thank you for your attention to this matter.

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 2025-01-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I was given an American Express gift card for XXXX loaded with {$50.00}. Today on XX/XX/year> I've tried to use the gift card at various common vendors such as XXXX and XXXX and it has been declined every time. When I contacted customer service they said that the reason was due to the vendor not requiring you to input the full card details including the security code and expiration date. They also told me to try using it with different legitimate vendors or use it physically, but they couldn't explain why they allowed a {$0.00} transaction from XXXX but declined everything else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/year>. I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates reverse all payment history to pay as agreed above within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An unauthorized ATM transaction occurred on my debit card chase account. It was a withdraw of XXXX $ on XX/XX/XXXX. I filled a claim with chase on XX/XX/XXXX. I closed my account and requested a password /user name change and a new card .They closed my claim on XX/XX/XXXX because they believe the transaction was authorized by me. On XX/XX/XXXX I requested the reason, and was told the transaction was made with the digital wallet that I usually make purchases on. I dont have sufficient information to prove that I didnt make this transaction. I did not have my phone stolen or physical debit card stolen .i was advised to look at my XXXX XXXX wallet history but you are unable to view transaction history on a suspended card. 
I was told I could open a new claim with this incident if I have documents to prove I didnt make a withdraw but Im unsure what they would look like.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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:
Since XX/XX/2024 I have made several attempts to have an items removed from my credit report and they failed to remove an item. I have summited the proper paperwork which they keep ignoring and just send me a letter that's it verified. 

This is my second complaint filed with CFPB for this same issue and they sent me a emial claiming its verified.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I face financial harm because of their blatant stall statics.

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 2025-01-08 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: PA

Complaint narrative:
Since XX/XX/2024 I have made several attempts to have an items removed from my credit report and they failed to remove an item. I have summited the proper paperwork which they keep ignoring and just send me a letter that's it verified. 

This is my second complaint filed with CFPB for this same issue and they sent me a emial claiming its verified.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I face financial harm because of their blatant stall statics.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CA

Complaint narrative:
On the last few weeks I been getting calls and e-mails from us bank regarding a loan application and XX/XX/XXXX received a visa credit card from USBank and I never applied to. Some correspondence is under my middle name XXXX XXXX and other under 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 2025-01-08 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON COLLECTION AGENCY Placed on my credit report a debit for {$980.00}, this dropped my score over XXXX. 
Then placed on my account another debit over {$2500.00} and this hurt my score over a XXXX. I disputed two accounts and one was deleted from my credit report for a reason! 

XXXX ago I called and requested for proof of debit again and this would be my 4th time. I asked for proof that they have obtained my Medical Files. 

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have 3 accounts. 

So since I remember disputing two and one was deleted from my credit file, it shouldn't still be an issue but it is and now it's 3. 
I asked again for all 3 account numbers. 

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts. 

So for this complaint I am reporting 3 accounts, one was REMOVED FROM MY CREDIT FILE and one is still there and also this other account. 

One or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report Medical Debt on my credit files. 

This same complaint will be sent to XXXX, XXXX and 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 2025-01-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-08 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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