vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On multiple occasions I have submitted a written request to Experian, asking them to remove all inaccurate and outdated personal information on my credit report. 
In efforts to protect my privacy ; to prevent identity theft ; and avoid future financial harm. 

I have provided Experian with all the necessary information, to prove my identity and to date I see that my credit report is still reflecting not only my current address but ALL of the previous addresses and inaccurate name spellings and phone numbers.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I am writing to dispute the repeated inaccurate reporting of an account from XXXX XXXX Bank XXXX Account # XXXX ) on my credit report. Despite disputing this information twice, Experian has returned the results as verified without providing sufficient evidence to validate the accuracy of the reported information. This raises concerns about your compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ), which requires you to conduct a reasonable investigation of disputed information. 

The following inaccuracies remain unresolved : 1. Payment Status Discrepancy : Experian lists the payment status as Charge-off with a last reported date of XX/XX/XXXX. This conflicts with other reporting records. I request proof of validation from the original creditor to support this information. 
2. Date of Last Payment : Experian lists the date of last payment as XX/XX/XXXX. However, this date appears inconsistent with my account records. Please provide documentation from the creditor confirming this information. 
3. Date of Last Activity : Experian reports the date of last activity as XX/XX/XXXX. This differs from other reporting records and raises questions about the accuracy of your investigation. 
4. Payment History : Experian reports 90, 60, and 30-day late payments in XXXX. I demand verification from the creditor to confirm the accuracy of these late payment notations. 
5. High Credit and Credit Limit : Experian lists the credit limit as {$2500.00}, while other bureaus report {$2400.00}. Please verify this with the original creditor. 
6. Past Due Balance : Experian lists a past due balance of {$2400.00}. I request proof of validation from the original creditor to ensure this amount is accurate and valid.

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 2024-11-16 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: NH

Complaint narrative:
This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$1000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$4500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3000.00}, Date Opened : XX/XX/XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

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 2024-11-16 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: NC

Complaint narrative:
the IRS sent me two letters saying I owed back taxes in the amount of XXXX dollars between the years XXXX to XXXX. I informed them that it's false because I have not worked in over 10 years. I currently receive VA compensation and that is federal money and is exempt from taxes. I have been receiving this for over 10 years. I reported the IRS to my state congressman, and the IRS dropped the case informing me that someone has stolen my identity in an official document. I informed TransUnion that I was the victim of identity theft and that I wanted 4 accounts removed. The disputes came back as verified accounts belong to 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 non-monetary relief
Consumer complaint received 2024-11-16 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: DC

Complaint narrative:
I am writing to formally dispute a XX/XX/2024 decrease in my credit score by XXXX XXXX, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified. I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. This is a third times that this happened. I believe Im a victim of credit discrimination! Thank you for your cooperation. Sincerely,

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
For the past 30 days I have received an average of XXXX calls per day from the APPLE card XXXX Goldman Sachs bank XXXX I have answered and advised them on XXXX separate occasions that they are harassing me by calling me more than 7 times in a 7 day period. Yesterday alone ( XX/XX/year> ) they called me 3 times and XXXX times I answered and told them to stop calling me. Today ( XX/XX/year> ) I received yet another call from them and I advised them again that they are harassing me and that I have already advised them to stop calling me. So now I am taking action and am filling a complaint as this is absolutely ridiculous and I will make sure they never get a single bother XXXX from me. Please reach back out to me at XXXX once they have been informed of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

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 2024-11-16 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries result from unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXX ( a ) and XXXX ( b ), I am entitled to request the removal of these fraudulent accounts and inquiries. 
Accounts to XXXX and Delete : XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$23000.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} Inquiries to Block and Delete : XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Violation of Terms for Virtual Account InComm/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding a violation of terms and unfair practices by InComm, operating through XXXX XXXX XXXX XXXX 
Account and Contact Information Company Name : InComm / XXXX XXXX XXXX XXXX 
Customer Service Number : XXXX Customer Care Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virtual Account Number : XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX Refund Amount : {$62.00} Refund Date : XX/XX/XXXX Nature of the Complaint According to the terms provided by InComm/XXXX : 1. Funds Expiration : The terms explicitly state that funds on the virtual account do not expire, even if the virtual account itself has an expiration date. Upon expiration, customers can contact customer service to access the remaining balance.

2. Returns and Refunds : Refunds credited to the virtual account by merchants may not appear immediately but will post as soon as received.

However, the company has violated these terms as follows : A refund of {$62.00} was credited to my virtual account on XX/XX/XXXX, yet the company removed the funds on XX/XX/XXXX. 
Despite contacting customer service at XXXX, the company has refused to provide access to these funds, directly contradicting their stated policy. The employees name was XXXX and the supervisors name was XXXX XXXX. 
Supporting Documentation I have attached the companys terms of service ( accessible publicly here ) and other relevant evidence to substantiate my claim.

Desired Resolution I request the immediate reinstatement of the {$62.00} balance to my virtual account. Additionally, I ask that the CFPB investigate InComm, XXXX XXXX XXXX XXXX. for potential non-compliance with their own terms and applicable financial regulations. 
Thank you for your assistance in addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Fraudulent charges were made on my Home Depot credit card account on ( XXXX ) XXXX at XXXX XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, and ( XXXX ) XXXX at XXXX, NY for XXXX. The fraudulent charges total XXXX. I disputed these charges with Home Depot and advised that I have never shopped at their XXXX XXXX or XXXX, NY locations, and most importantly I was in XXXX on XXXX, XXXX and XXXX. Notwithstanding my dispute, Home Depot has determined that I am responsible for these charges and continues to send me bills and threats to report my account to the credit bureaus. I am over XXXX XXXX XXXX and in poor health having recently had major XXXX XXXX. This situation is extremely stressful and exacerbating my health issues. I have always paid my bills through my long life and dont understand why Home Depot is treating me this way. I would greatly appreciate any assistance from the CFPB.

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 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: MO

Complaint narrative:
On XX/XX/XXXX, I contacted this company to tell them that my credit report shows that it's paid off. Then, when you scroll down, it says collection account. I left several messages, but none of them were returned. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Soc Sec Admin Office : XXXX  XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
======================================

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX  # XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: InDebted Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX sold to another company indebted an trying to collect XXXX debt an XXXX  my credit rights 15 U.S. Code 1692 ( g )

Company response to consumer: Closed with explanation