vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I trust this message finds you with a sense of urgency. I am writing to urgently bring to your attention a matter of great concern involving XXXX XXXX XXXX, a debt buyer, and their persistent pursuit of an alleged XXXX XXXXXXXX debt amounting to {$690.00}. 

Despite the confirmed removal of the aforementioned debt from my credit report by XXXX and XXXX, adhering to the Fair Credit Reporting Act ( FCRA ) guidelines, TransUnion appears unwilling to cooperate and still reflects the debt. This conflicting response exacerbates the severity of the situation, leaving me in a precarious position.

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 2024-02-20 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I am an American citizen, I live in Maryland, XXXX. On XX/XX/2024, I used the Western Union online instant cash transfer service to send {$100.00} to my friend in XXXX. My friend went to the Western Union office located inside the XXXX XXXX XXXXXXXX XXXX to receive his money. After completing the required documents, providing the recipients ID card, and an hour of wait to be serviced, the WU representative refused to cash the {$100.00} out and demanded the senders identification card to be presented by the recipient. Please accept this as a formal complaint against the WU office located in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Sent to XXXX XXXX Amex CEO - " Since XX/XX/year> I have charges under dispute for fraud on my platinum account. The five charges listed below were flagged by your automated system as possible fraud. I in turn called Amex to verify that they are indeed fraud. Your security/disputes/fraud team has done nothing in almost 8 months to credit my account all five charges. They tell me my " card was present which means these charges are valid '' which is a complete lie and shows the complete negligence of your investigations team. My card was used for a different non disputed charge not total of {$23000.00}. The Merchants used my card numerous times without my authorization and I did not sign or fill out the sales slips. They forged all information to steal tens of thousands of dollars from me. On top of that, what goods were sold? Nothing is listed. Furthermore, the security/disputes/fraud team tells me they will call me back hundreds of times and never does. I have called hundreds of times and your team continues to ignore these issues and do their job. I was also told not to pay my monthly bill in full and to pay the charges that I know are due. I did that, in result your team has put my account in 30 past due status on my credit reports for the fraud charges balance. This entire set of issues is theft. Amex is allowing merchants to steal from me which in turn means Amex is lying, stealing and cheating me the card member. I can be reached at XXXX XXXX XXXX XXXX  {$3600.00} XX/XX/year> - XXXX  {$3600.00} XXXXXX/XX/year> - XXXX  {$3800.00} XXXX XXXX XXXX  {$5000.00} XX/XX/year> - XXXX  {$7600.00} TOTAL : {$23000.00} '' The attached email is from XX/XX/year> which has never happened. The litigation team is just another group of incompetent losers that don't do their job. 

" Amex 's fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on American Express 's behalf. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I tried to login my credit karma account to see my credit score results and didn't let me see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank will not let me access my account online unless I sign a 131 page contract which among other things, gives them power of attorney over my account. I wonder what else they get control over. 

Not only is it exceedingly long but the way it is worded is much to difficult for a lay person to comprehend. I think it would even be hard for a professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX  loan taken out in my name and Affirm sent me email correspondence with loan breakdown for small amount ( XXXX dollar purchase ). I immediately called Affirm and they said they would investigate. I did not hear back from them and called again after a week. This time, they had no record of me. Their representative on the call did not seem legitimate by the way they were speaking. A few days later, I received another email and it said they concluded the investigation, and I am responsible for this loan. On the first call, they identified a phone number linked to the account which was not mine. The person who opened the account in my name used my email, husbands email and our phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX This is regarding an inaccurate judgement and personal tenant screening. XXXX XXXX, and Tenant Screening Agencies are in violation of 15 USC 1692g. The debt collector were to notify me of this issue in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. In addtion, pursuant to 15 USC 1681i ( 5 ), if the debt can not be validated or confirmed to be accurate, you must DELETE. 

XXXX, I received emergency assistance from XXXX Rental Assistance Program at The Alliance for Eviction Intervention ; website XXXX XXXX Participating landlords were responsible for completing the Terms and Conditions and Guidelines regarding receiving payment. XXXX XXXX breached contract, however they was paid in full for the amount of {$17000.00} including late fees. My security deposit and for move out charges was deducted from XXXX. I received a deposit for {$4900.00}. I also provided attachments to investigate. If you have any questions or concerns please call or email me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Applied for a credit card with AMERICAN EXPRESS on two separate occasions recently and was denied based on " previous cancelled account ''. I have sent a rebuttal via certified mail to AMERICAN EXPRESS ' legal department along with the XXXX of Investor Relations, XXXX XXXX XXXX based on their decision. 

Credit card applications ( promissory note ) are traded, transferred and sold to third parties based on AMEXICAN EXPRESS ' prospectus. The application I submitted was for my benefit and is not a privilege that should be used unlawfully. SECURITIES FRAUD has been conducted and this is not acceptable nor will I be satisfied with any other resolution other than my request from the credit application being fully granted! 

I have attached the letter to this formal complaint to be expedited to the proper person and awaiting a response as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX contacted me via email to inform me there was a collections placed on my XXXX credit report. I immediately got the collection info and called them Jefferson captiol. Bear in mind I never knew existed. Never received no notification from them. When talking on the phone with them they didn't even know my contact info. I gave it to them to update their records. My right to validate ( give me written notice or dispute this was never given to me they just went ahead and put something damaging on my credit report ( XXXX ) from XXXX. It's from a supposedly cell phone bill. The company is XXXX  which they were bought by XXXXXXXX XXXX is my current cell phone provider which has been for years and I'm up to date on my monthly bill. After speaking to operator XXXX she informed me that I will be receiving a termination of collections from this account and then can give it to XXXX to take off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I submitted a complaint with CFPB about M & T bank running a inquiry on my XXXX report on XX/XX/XXXX. I received a response from M & T bank indicating that they will remove the inquiry with XXXX. As of XX/XX/XXXX, the unauthorized inquiry remains on my report. 

M & T Bank didn't follow through with what they said they would do. Please help me resolve this on going 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 2024-02-20 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:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged 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 2024-02-20 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: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged 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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My car insurance was with XXXX XXXX XXXX and I paid my annual XXXX  in full. They added {$540.00} and said that my son who is a XXXX XXXX XXXXn college  and does not live here any longer. I live in XXXX  now not in XXXX, he goes to school in XXXX  and stays at the address in XXXX. They put him on my car insurance without any notification. They asked me to send in information about him and he is an adult. I told him I did not have the information that they asked for they would need to contact him, he does not have a car. They proceeded to report me to the collection agency. The underwriter who I spoke to was very discriminatory. She had a very demeaning tone she would not listen to what I was telling her. I sent in school ID, the information that I could get because Im in another state and because, he is an adult and did not give me any information that I needed and he doesnt have the things that they asked for because hes a full-time student. This day is now placed on my credit by CCS. I dont have a contract with CCS . I dont know who this company is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation