vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
OnXX/XX/XXXXXX/XX/XXXX I was online booking XXXX flights with XXXX XXXX. When prompted to pay, a pop-up appeared offering me a XX/XX/XXXXXXXX {$200.00} off the {$1000.00}XX/XX/XXXXand XXXX XX/XX/XXXXsee attached image. I applied and was approved, but was not able to book the fare with the new card. I called XXXX XXXX and explained the offer that led me to temporarily unfreeze my credit to take advantage of the offer, and still they could not assist and suggested using another card, which I did to ensure the fare. I actually used another Citi card, see attached image showing the XXXX fares {$440.00} totaling {$1000.00}. 

On XX/XX/XXXXXX/XX/XXXX I again tried to resolve this matter by calling Citi. They said I would get the credit after I use the card for another XXXX XXXX purchase. I explained that was not acceptable, and they directed me to XXXX XXXX to change the method of payment, and they too were unable to resolve the matter. 

This is definitely a bait and switch. I did online research and found that this happened to another AA traveler, XXXX XXXX, in XX/XX/XXXX XXXX XXXX XXXX XXXX reported on it. After they got involved, the victim/customer was finally credited. I trust your agency will assist me and stop this from happening to other travelers.

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 2024-12-13 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: GA

Complaint narrative:
Remove the following accounts from my credit report : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MI

Complaint narrative:
My identity was stolen and someone opened a bank account under my name i never knew of the account till it showed up on my credit report i filed a police report and tried filling a dispute there XXXX  and the credit agency but they keep saying it was me even after i sent over my police report they asked for and its been 3 years now still this can get a account due to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: DC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/year>

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 2024-12-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2024-12-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2024-12-13 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 distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX 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 2024-12-13 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: MO

Complaint narrative:
I reviewed my latest credit report and noticed unauthorized accounts listed. Please take action to block and eliminate these fraudulent accounts.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ Your Phone Number ] [ Your Email Address ] XX/XX/year> To Whom It May Concern at the CFPB, I am submitting this formal dispute regarding inaccuracies in my personal information on my credit reports as provided by TransUnion. These inaccuracies have negatively impacted the accuracy of my credit profile, and I am seeking your assistance in resolving these issues promptly. 

Details of Disputed Information : XXXX. Incorrect Name : My name is incorrectly reported. 
Correct Name : XXXX XXXX XXXX XXXX. Incorrect Address : My current address is incorrectly reflected or missing. 
Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Steps I Have Taken : I have contacted the credit reporting agency, TransUnion, to address this issue but have not received an adequate resolution. The inaccuracies persist, and I am unable to confirm whether the appropriate steps are being taken to update and reflect the correct information. 

Impact of Inaccurate Information : Having incorrect personal information on my credit report poses significant challenges, including potential misidentification, adverse credit decisions, and improper reporting of accounts. This is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring TransUnion : 1. Updates my name to reflect XXXX XXXX XXXX consistently on my report. 
2. Corrects my address to reflect XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and removes any outdated or incorrect addresses. 
3. Notifies any creditors or organizations that access my credit reports of the updates to avoid further miscommunication.

Supporting Documentation : I have attached the following to verify my identity and address : A copy of my government-issued ID. 
Proof of address ( utility bill or bank statement ). 
A copy of the credit report showing the disputed information highlighted. 

Legal Basis for My Request : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Failure to do so can result in financial and reputational harm to consumers like myself. I trust that the CFPB will assist in enforcing compliance with these standards. 

Please let me know if further information or documentation is required. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ Your Phone Number ] [ Your Email Address ] XX/XX/year> To Whom It May Concern at the CFPB, I am submitting this formal dispute regarding inaccuracies in my personal information on my credit reports as provided by XXXX. These inaccuracies have negatively impacted the accuracy of my credit profile, and I am seeking your assistance in resolving these issues promptly. 

Details of Disputed Information : 1. Incorrect Name : My name is incorrectly reported. 
Correct Name : XXXX XXXX XXXX XXXX. Incorrect Address : My current address is incorrectly reflected or missing. 
Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Steps I Have Taken : I have contacted the credit reporting agency, XXXX, to address this issue but have not received an adequate resolution. The inaccuracies persist, and I am unable to confirm whether the appropriate steps are being taken to update and reflect the correct information. 

Impact of Inaccurate Information : Having incorrect personal information on my credit report poses significant challenges, including potential misidentification, adverse credit decisions, and improper reporting of accounts. This is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring XXXX : XXXX. Updates my name to reflect XXXX XXXX XXXX consistently on my report. 
2. Corrects my address to reflect XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and removes any outdated or incorrect addresses. 
3. Notifies any creditors or organizations that access my credit reports of the updates to avoid further miscommunication. 

Supporting Documentation : I have attached the following to verify my identity and address : A copy of my government-issued ID. 
Proof of address ( utility bill or bank statement ). 
A copy of the credit report showing the disputed information highlighted. 

Legal Basis for My Request : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Failure to do so can result in financial and reputational harm to consumers like myself. I trust that the CFPB will assist in enforcing compliance with these standards. 

Please let me know if further information or documentation is required. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
XXXX XXXX, XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX & XXXX XXXX XXXX XX/XX/XXXX {$6200.00} This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CO

Complaint narrative:
I recently found this collection account on my reports which are fraudulent. I filed a dispute with XXXX and this account was deleted immediately. 

XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has stolen my identity through a data breach and illegally reported this fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super XXXX  to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: MI

Complaint narrative:
This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. I'm sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that you as the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. bureaus.

Ruit If you're unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information reporting XXXX ) being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
Also, will you send me a copy of the 1099 that was issued. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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