vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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:
To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone - XXXX DOB- XX/XX/XXXX Address - XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX Accounts that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
* Date : XXXX * {$76.00} * Place : XXXX XXXX XXXX XXXX I asked for the reason why the use of the Visa gift card was rejected at the offline store ( XXXX XXXX ). 
I also asked why and how to solve XXXX XXXX XXXX XXXX process on the back of the card does not work. 
I kept trying to check the gift card registration and balance on the website they told me, but I kept trying to check the gift card registration and balance on the website they told me, only the phrase [ Your request can not be completed at this time ]. 

And then, I tried to make several calls to XXXX XXXX XXXX to solve this problem, but I couldn't even connect.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I got a call today from Citi customer complaints based on the XXXX customer service the other day from one lady I didn't their name that hung up, then XXXX hung up. Then XXXX took my social and put me thru to fraud instead of a supervisor. XXXX took that screwed me over just as XXXX and maica did and XXXX was no where to be found. XXXX contradicted her self on the call and lied multiple times. Eventually I called back hours later since someone blocked my app again for no reason resulting in me wasting another hour on the phone with these idiots. 

Today I spoke with XXXX she was told the only question I have at this point is when the promo for the new checking account would credit so I can go in and close my account due to continued customer service issues I called back at XXXX to speak to someone about my promotion because XXXX couldn't get employees on XXXX diff holds to answer my question so she transferred me to someone named XXXX in which she didn't have his name proper she got off the line when he picked up and he told me that he is credit card department not checking account and he couldn't help so now after taking to her for XXXX minutes I've had to waste yet another hour now. When I called In to speak with the rep at th call center they had reception issues. I answered her questions so the account would hopefully have been verified and someone can see who I spoke to in order to review rhe calls. I was then hung up on by the supervisor claiming he couldn't hear. I conferenced in another phone like with another phone provisee to ensure it wasn't me, naturally the whole reason I asked for the supervisor was to get hopefully better reception. Apparently that call center is so muffled it's not even functioning aside from wasting our time and then hanging up on us and never calling us back. How does a bank supervisor answer a call and then not call you back if the account was verified prior to the transfer?

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 2024-12-02 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: NV

Complaint narrative:
I am filing this complaint regarding inaccurate inquiries reported by TransUnion on my credit report. These inquiries do not appear to be associated with any of my current accounts or credit applications, and I believe they have been reported in error.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), TransUnion is required to ensure the accuracy and integrity of the information they report. As these inquiries are not connected to any legitimate credit applications or accounts under my name, I request that they be investigated and removed promptly.

Furthermore, under FCRA Section 1681i, I have the right to dispute inaccurate information on my credit report, and TransUnion is obligated to conduct a reasonable investigation into the disputed entries. I have made multiple attempts to resolve this issue directly with TransUnion, but the inaccurate inquiries continue to be reported, damaging my credit score.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that TransUnion complies with federal regulations regarding the removal of inaccurate inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Complaint Summary The complaint revolves around the improper handling of account receivables by American Express Company ( AMEX ) and its subsidiary, American Express XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). Specifically, AMEX has failed to address the following issues : Non-Compliance with Fiduciary Duties : XXXX XXXX, as a purchaser and transferor of receivables under AMEXs operational structure, failed to adhere to fiduciary obligations as outlined in AMEXs own XXXX filing. Their actions include pooling and securitizing receivables for profit without providing reasonable compensation to the account holder. 
Securitization and Lack of Disclosure : Forensic audit findings confirm that the complainants account was securitized under XXXX XXXX XXXXXXXX and traded domestically and internationally, generating over {$1.00} XXXX in profits. However, AMEX and XXXX XXXX have not disclosed these activities nor provided compensation for the receivables value. 
Failure to Process Receivables : Submitted International Bills of XXXX and have not been processed as directed, further breaching fiduciary duties. 
Tax Discrepancies : Audit findings suggest potential violations of tax laws, including failure to file requisite SEC and IRS documentation for revenues derived from trading pooled receivables. 
Breach of Consumer Rights : AMEX failed to provide GAAP-compliant accounting, transparency in account securitization, and disclosures required under the Truth in Lending Act ( TILA ), further mismanaging the account.

Timeline of Events XXXX : The complainants account was securitized under XXXX  # XXXX, pooled for asset-backed collateral, and traded on primary and secondary markets. 
XX/XX/XXXX : Notice of revocation of Power of Attorney ( POA ) was sent to AMEX, formally asserting fiduciary control over the account. 
XX/XX/XXXX : Forensic audit was initiated, revealing gross mismanagement, non-compliance with tax laws, and undisclosed securities trading. 
XX/XX/XXXX : First Presentment issued to AMEX, demanding GAAP-compliant accounting, return of funds, and proper processing of receivables. 
XX/XX/XXXX : Second Presentment issued after AMEX failed to respond, reiterating demands and highlighting findings from the forensic audit. 
XX/XX/XXXX : Third Presentment issued, incorporating findings from AMEXs XXXX filing and forensic audit. The document escalated claims of willful misfeasance, bad faith, and gross negligence by AMEX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
I am filing this formal complaint regarding an alleged collection account reported on my credit report by XXXX XXXX XXXX ( XXXX ) and appearing on my credit reports with Experian, XXXX, and XXXX. I have no knowledge of this alleged debt, and I have not been provided with proper documentation or validation to verify its legitimacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any debt before any further collection efforts or reporting to the credit bureaus. Debt validation must include clear documentation identifying the original creditor, proof of the debt 's validity, and confirmation that the debt is attributable to me. XXXX XXXX XXXX has failed to provide the legally required validation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), Experian, XXXX, and XXXX are obligated to ensure the accuracy and integrity of the information they report. If the debt can not be validated, the credit bureaus must investigate and promptly remove the unverifiable account from my credit report. Continuing to report unverifiable and unvalidated information is a violation of the FCRA and causes undue harm to my credit profile. 

I have made multiple attempts to resolve this matter, including disputing the account directly with the credit bureaus, but the issue remains unresolved. This lack of compliance with federal regulations by both XXXX XXXX XXXX and the credit reporting agencies has caused unnecessary financial and emotional distress, particularly as I am in the process of making important financial decisions that depend on an accurate credit report. 

I am requesting that Experian, XXXX, and XXXX immediately investigate this matter and remove the XXXX XXXX XXXX account from my credit report unless proper validation of the debt can be provided. Failure to comply with the FDCPA and FCRA is unacceptable, and I seek appropriate corrective actions to ensure compliance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

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 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I requested information earlier this year regarding the process to remove PMI, I was given little information. I proceeded to submit a request to have an evaluation to remove my PMI. 

I've received a few contacts ( email and phone calls ) from an unknown name and email/phone number inquiring about access to my property. The person who is reaching out did not mention this is related to my NewRez request for PMI. The person only listed they are with XXXX XXXX. 

I am requesting information from NewRez to confirm this communication from XXXX XXXX is legitimate, as I do not want to allow strangers into my home without confirming their identity first. NewRez has not been able to provide this detail to me, so I am submitting this compliant and hope they can respond timely.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-02 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:
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 Accounts : 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 XXXXXXXX has violated my rights. ' 15 U.S.C 1681 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 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 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 2024-12-02 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: Experian Information Solutions Inc.
State: CA

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 Accounts : XXXXXXXX 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 XXXXXXXX has violated my rights. ' 15 U.S.C 1681 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 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 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 2024-12-02 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:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-02 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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-02 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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-02 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 XXXX XXXX  account in my credit report XXXX XXXX XXXXXXXX which has more then 5 years since it was closed, as XXXX XXXX XXXXXXXX resident the fact that account still in my credit report are violation of my rights, since The XXXX state law ( 380-J ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; ) .That 's mean that account is violated my rights to be on my credit report

Company response to consumer: Closed with explanation