vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
On XX/XX/year>, I requested a freeze and fraud alerts to be placed on my credit file due to potential identity theft. However, as of XX/XX/year>, I decided to remove all security measures, including locks, freezes, and fraud alerts, to allow access to my credit information. 

On XX/XX/year>, I contacted each major credit bureauXXXX, XXXX, and TransUnionto formally request the removal of these security measures. Despite my request, the measures have not been removed, and the process has been delayed without clear communication from the companies involved. 

In response, I have called customer service, sent follow-up letters, and submitted online requests to address the issue. 

I am seeking assistance to ensure that these security measures are fully removed from my credit files so that authorized parties can access my credit information without restriction. 

Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving it.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I requested a freeze and fraud alerts to be placed on my credit file due to potential identity theft. However, as of XX/XX/year>, I decided to remove all security measures, including locks, freezes, and fraud alerts, to allow access to my credit information. 

On XX/XX/year>, I contacted each major credit bureauEquifax, XXXX, and XXXXto formally request the removal of these security measures. Despite my request, the measures have not been removed, and the process has been delayed without clear communication from the companies involved. 

In response, I have called customer service, sent follow-up letters, and submitted online requests to address the issue. 

I am seeking assistance to ensure that these security measures are fully removed from my credit files so that authorized parties can access my credit information without restriction. 

Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I recently purchased a {$500.00} American Express gift card with a {$7.00} fee from XXXX and have tried to use it at various places, mostly online and it has been declined. I have read this is an issue and that others have gotten a check back for this because of filing a complaint with you. I am hoping for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I received a notification from XXXX stating that there was an inquiry on my report from XXXX XXXX. I immediately called them, and they did what they could on their end. They provided me with transaction information so I could report it as fraud. Both companies placed a freeze on my account, and I will be notified of any fraudulent activity moving forward. However, since the inquiry is still showing on my report, I was advised to take certain steps to have it 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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Between XXXX and XXXX I was charged multiple overdraft fees through navy federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have an American Express card and belong to the Membership Rewards Program. I currently have over XXXX points. Towards the end of XXXX, XXXX, I went online to redeem points. I could not find the normal gift card selection and I kept getting referred to American Express gift cards. On XX/XX/XXXX, I called American Express Customer Service for help in navigating their web site. I was informed the program had changed effective XX/XX/XXXX and that the only gift cards available would be American Express. I was directed to the Notices listed in the end pages of my monthly statement. My complaint is this, a change this significant should not be buried in the fine print of a monthly statement. I did not receive an email or any other notice of the change. The change was not highlighted and no attempt was made to make sure customers were aware of the change. I have had the account for at least 24 years and saved my points to be redeemed as I needed various items. My typical redemption was for a XXXX XXXX card, XXXX points for a {$100.00} gift card. Under the new program, the American Express card would cost XXXX points for a {$100.00} gift card. The value of my points has been cut in half costing me over {$1100.00}. This results in a significant savings to American Express at the expense of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: IA

Complaint narrative:
I've been receiving multiple emails and calls from Jefferson Capital system for XXXX and XXXX XXXX. I've been receiving emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. These are the dates that they tried reaching out to me even after I have spoken to them to stop calling and to not reach out to me anymore. 

XXXX is apparently XXXX XXXX is apparently XXXX These accounts are apparently open balances and I'm confused on how they're open, they don't have the correct address nor phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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 am formally disputing the hard inquiries reflected on my credit report which were added without my consent, pursuant to section 604 of the fair credit reporting atc ( 15 U.S.C 1681b ), there are specific permissible purposes requered to report a hard inquiry on my credit report. I did not authorize these hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my report. please DELETE HARD INQUIRIES *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Dispute and Request for Immediate Removal of Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally request that Equifax Credit Bureau investigate and immediately correct inaccuracies on my credit report associated with my identity, which was compromised in XXXX data breach in XXXX. The breach resulted in my personal information being exposed and has since led to multiple inaccuracies and erroneous accounts on my credit report, all of which Equifax has thus far failed to remove despite multiple requests. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that credit reporting agencies, including Equifax, are responsible for ensuring maximum accuracy in credit reports and addressing any disputes promptly. According to FCRA guidelines, inaccurate or unverifiable information must be corrected or deleted within 30 days of a consumers dispute. However, XXXX refusal to remove inaccurate information caused by its own negligence in safeguarding my data reflects a breach of duty. 

Relevant Case Law In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that credit bureaus have a duty to conduct reasonable investigations when a consumer disputes inaccurate information. Further, the court found that failure to properly investigate and correct inaccuracies can result in liability for the credit bureau. The XXXX case demonstrates that Equifax has a duty to verify the legitimacy of information on my credit report and that failure to do so may expose Equifax to legal consequences. 

Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court upheld that failure by credit reporting agencies to protect consumers personal information and provide accurate reports can be grounds for significant legal consequences under FCRA. Equifaxs data breach in XXXX, which compromised my data, falls within this purview, making Equifax accountable for any resulting inaccuracies. 

In light of the Equifax data breach and the subsequent inaccuracies on my credit report, I am hereby requesting immediate removal of all erroneous information associated with my identity. Please respond within 15 business days of receipt of this letter to confirm that these inaccuracies have been corrected or removed. If these errors are not addressed, I am prepared to pursue further legal action.. 

Thank you for your attention to this matter. I expect your full cooperation in rectifying this issue. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I paid for the product and shipping/handling charges through MONEYGRAM. I was told that " Customs " was charging an additional XXXX US dollars to send the package. I asked the seller for a refund as our contract does not include any fee for CUSTOMS. The seller never sent or delivered my package. I paid XXXX USD for the product and another XXXX USD for fraudulent Customs charges!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: WI

Complaint narrative:
I have received multiple unsolicited text messages regarding a Chime account that I did not request. These messages were received on XX/XX/XXXX while I was sleeping ( XXXX and XXXX XXXX  ). They then sent another message ( XX/XX/XXXX at XXXX XXXX  ) saying that my debit card was in the mail and would arrive in 7-10 business days, but that I could fund my virtual card in the Chime app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : DEPTEDXXXX  Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written dispute letters and have not received any responses. Many errors on my 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 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I dont believe the debt that is reporting on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
its all in the attached information below, .I attached it in the files ..all verifiable documents attached as well from the data breach which were sent several times in the past

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 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
From XXXX to XXXX Navy Federal Credit Union charged my XXXX  account XXXX  of dollars in overdraft fees for purchases or ATM withdrawals. Even charging {$20.00} to {$30.00} per transaction on the same day.I request refunds for all illegal fee charges immediately. Thank you for advocating on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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 am formally disputing the hard inquiries reflected on my credit report which were added without my consent, pursuant to section 604 of the fair credit reporting atc ( 15 U.S.C 1681b ), there are specific permissible purposes requered to report a hard inquiry on my credit report. I did not authorize these hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my report. please DELETE HARD INQUIRIES *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-10 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 am formally disputing the hard inquiries reflected on my credit report which were added without my consent, pursuant to section 604 of the fair credit reporting atc ( 15 U.S.C 1681b ), there are specific permissible purposes requered to report a hard inquiry on my credit report. I did not authorize these hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my report. please DELETE HARD INQUIRIES XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/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 2024-11-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally disputing the hard inquiries reflected on my credit report, which were added without my consent. Pursuant to section 604 THE FAIR CREDIT REPORTING atc ( 15 U.S.C 1681b ), there are specific permissible purposes required to report a hard inquiry on my credit report. I did not authorize theses hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE HARD INQUIRIES XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account has a first late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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