vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2024-01-24 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: FL

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-24 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX on Experian is still reporting late payments. We have not been a customer of this CU in the past 5 years. Please remove them and their shady reporting of past customers from my credit report. Please remove this permanently.

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 2024-01-24 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To whom it may concern I am requesting for Westlake Portfolio Management to delete the reporting account from my consumer report. This company has failed to provide a complete and accurate record of payment history, This company refuses to update inaccurate information when I have already put them on notice that information is incorrect. I have requested this information and what was provided I will attach along with this complaint. This company is also unlawfully reporting a repossession in XX/XX/year> when there was no repossession taken place. I am requesting a reinvestigation into this matter. The CFPB is authorized to investigate this fully and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 
Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC 1692K.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by XXXX. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to XXXX XXXX due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by XXXX. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to XXXX XXXX due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by XXXX. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to XXXX XXXX due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. 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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
Contacted by the company debt collections multiple times. Each time I ask for a way to setup a payment plan or for them to work with my debt management company to help to get on a payment schedule or to send it to outside collections so I can work with someone and they refuse. I was told that they only provide payment plans or hardship assistance to open accounts because the account it closed I am unable to get any sort of hardship assistance program that they have within their organization. By not allowing me access to their internal hardship programs, not working with my debt management organization to create a debt management plan, and not send it to an outside agency for collections they are continuing to just take XXXX XXXX interested each month and pile it on knowing I can not pay it. Its unfair to force someone who is now on XXXX to end up with bad credit because they refuse to work with their own customer and instead gouge them charging interest on interest while they are unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
Fraudulent charges were made on my credit card in another country and the credit card company is not reversing the charges. Theyre holding me responsible for charges I did not make.

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 2024-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/ I got an chime text alert asking if I was trying to make a purchase through someone in XXXX XXXX, and I answered " NO '', the chime reply said no money was taken out my account and the person was blocked. I checked my card, money did come out my account for XXXX, XXXX ( x3 ), and XXXX, so I called chime support, the agent looked over the charges and I stayed on the phone while he worked on reversing each transaction putting money back on my card. At the end of the call the agent said the merchant was blocked and won't be able to access the card again. The very next day the same transactions came through on my card taking money out my account, I call chime again on XXXX XXXX this time they tell me that I have to file a dispute and they confirmed that my card had a block for this merchant from the previous day already so this should not of happen. I do the dispute with agent over phone, they say it could take up to 90 days, they email me the same information, but later on in the day denied my dispute. I tried to make a purchase this morning on XXXX XXXX  it's declined, I look at my account and it shows that Chime disabled my card and requested another one without my request and without informing me. My original card was linked to my instant payouts for my jobs, and where my main money goes, so now I have to miss a few jobs because I don't physically have a card to transfer to and get the money. I call chime again on this date, they say there's nothing they can do and that for a fee I can send cash to XXXX to pickup. Not only did they deny my dispute that previously reversed the unauthorized transactions the previous day on, but they allowed them to happen again, inconvenienced me even though my card is not supposed to allow international transactions, closed my card, they want me to pay fees to get my money , drive across town, and wait until XXXX XXXX to receive another card. They failed to refund unauthorized charges, placed blocks or holds that prevented nothing, hidden fees, account errors, and take it upon themselves to process requests without the consumers knowledge leading to them having to miss work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC/ ACCOUNT Original creditor : XXXX XXXX Balance : {$1100.00} Balance updated :XX/XX/2023 OPENED : XXXX XXXX XXXXXX/XX/year> Debt Buyer Reporting late payments and inaccuracy that is NOT 100 % accurate. This account is illegal and in violation under 15 usc 1681i ( a ) ( b ). 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 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 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. THIS ACCOUNT IS NOT VALID OR HAVE ANY PERMISSIBLE PURPOSE 15 usc 1692g ( b ) and 15 usc 1692 ( 8 ) ( E ) ( J ) ( D ) ( 8 ). NOT VALID

Company response to consumer: Closed with non-monetary relief