vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OR

Complaint narrative:
Discover Bank lowered my credit limit from {$8500.00} to {$6000.00} while the balance was {$6800.00} and they only informed with regular mail, which they sent to my previous address. All other communications are paperless, payments, alerts, except the information that directly affects my credit rating. I found out about it when my card stopped working. I asked them to reverse the over credit limit status since I had not spent over my credit and they refused. I have never missed a payment and I request that Discover Bank be found in violation of reporting requirements, so that I can attempt to be restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-20 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Different collection agencies are reaching out about XXXX account. Ive asked for proof and havent received anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 30 days late in XX/XX/XXXX, then 30 days late again the next month? You are also reporting 30 days late in XXXX after you already reported it 120 days late which is not correct. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the 3 bureaus. You are to remove all late payments from this account or remove this account altogether within 21 days.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
It is a long story but I'll make it short. One of my XXXX XXXX  credit cards was hacked and they got into all 4 of my Citibank accounts. When I discovered this, I called to try to identify the fraudulent charges. I was prevented from doing so because they said they could not verify me online. They had sent me a letter by snail mail and I had to give them the 4 digit code off the letter which I had not yet received. ( You would think with all the personally information they have on me, they could have verified me using numerous criteria. They are using extremely arcade methods. ) Once I got the letter, I called back, but was told had sent a second letter by snail mail and I had to wait for that one. In the meantime, the hacker went crazy. Over the course of about 6 or to 8 phone calls I finally got it resolved, I thought. You should know on the very first phone call, I told them to close ALL of my city accounts and do not issue any new cards. They did not listen ; they sent a replacement card to the hackers address in Florida ; I live in Texas. Why would they do that? The hackers continued to rack up charges. I finally went in and put a freeze on my accounts with the 3 credit bureaus. About {$500.00} of the bill was mine ( and has been paid ) ; but over {$12000.00} was not. I thought it was resolved, but then CitiBank reported {$12000.00} that I owed them to 2 of the 3 credit bureaus. I have disputed each of these. I told them at the time, their responses were too slow, the hackers were too advanced and quicker, and this was on them because I told them to close all my accounts on the first phone call. I have initiated about 10 or 12 phone calls, sent 4 total with 2 being registered letters, and I have received NO CONTACT from them. I think they have been extremely negligent with this, and are now trying to stick me with their mistake. I tried very hard in good faith, to work with them from the very beginning. I got a little to no cooperation from them. In fact I got a lot of runaround. I have logs of all of my phone calls and documents for my letters. I want this issue resolved once for all! I want this fraudulent CitiBank charge taken off my credit record. That is all I desire.

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 2024-05-20 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: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-20 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
collection account reporting is inaccurate, debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 non-monetary relief
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-05-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OR

Complaint narrative:
My mobile check deposit was taken away randomly. I have been a customer with them since XXXX. They kept changing the things I had access to without notifying me. When i asked them if they changed their they Real time payment function, they attempted to say they didn't. But them went back and said yes they did. I requested a copy of their terms from XXXX. The declined to provide it to me. After stating i was going to see if an attorney can review it. My funds became available in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Blue Ox II LLC dba MyHRScreens
State: GA

Complaint narrative:
myHRscreens conducted a background check on me on behalf of another party. There is an XXXX Ga address showing on the background report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Ordered a XXXX vacuum ( Serial XXXX ) XX/XX/XXXX in the amount of {$380.00}, returned and received by XXXX XX/XX/XXXX. Affirm told never got the refund credited. Called many times between Affirm and XXXX to sort out to get my credit ; finally got email confirmation from XXXX XX/XX/XXXX refunded {$340.00} with reference number ( attached file ). 

Contacted Affirm through calls, chats, open cases with their resolution center to sort out to get my refund from my partial payments ( Total of {$190.00} ), but being told credit wasn't there. I was being directed to contact XXXX, and when I did I was told refund being credited as the reference number has confirmed. Affirm refused to step up and investigate where the money went from XXXX 's credit and closed my dispute cases over and over with irrelevant reasons. I had sent a letter to Affirm 's headquarter addressed to the management team to help look into my cases XX/XX/XXXX ( Case ID XXXX and Case ID XXXX ) as they wrongfully report to the XXXX Credit Bureau that my loan has been past due and delinquent since XXXX ; while I should be getting my money back from the refund. 
I have tried for months and instead of getting my {$190.00} back from the loan, Affirm wrongfully damaging XXXX points from my XXXX XXXX. Seeking help from the CFPB to assist in this as this is outrageous and is a bad business to many consumers Appreciate your help and follow up. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: MI

Complaint narrative:
I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

Experian Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry 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 2024-05-20 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request for Description of Verification Method To Whom It May Concern : I am writing to request the method of verification for the dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX. 
Re : 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
I am in total disagreement with your investigation response to my dispute request which issued on XX/XX/XXXX. The incorrect item ( XXXX XXXX  Bankruptcy ) which listed in my credit report still appear, even after your investigation. This is totally inaccurate account and I dont have it with other agencies ( XXXX and XXXX XXXX reports. I would like this item immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Please provide me the following information regarding the verification of the validity of XXXX XXXX Bankruptcy that you have listed : 1.The name of the original agency ( s ) that reported the item.

2.The address and telephone number of the agency ( s ).

3.The name of the person with whom the dispute was verified.

4.The documentation used to verify the dispute.

In accordance with Section 611 of the FCRA, I am requesting this information in order to review its completeness, accuracy, and appropriateness. Alternatively, you may reopen the dispute to ensure a proper investigation is conducted.

I kindly request a prompt response outlining the steps that will be taken to resolve this matter. Failure to receive a response will eave me no choice but to exercise my rights under Section 616 of the FRCA and pursue legal action. 
Sincerely, 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 2024-05-20 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: TX

Complaint narrative:
I tried several times to dispute a repossession from my credit report that my ex wife let it go without my consent. 

XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
violation of my right to privacy and unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX XXXX when the creditor submitted a manual update in XX/XX/year>. The creditor sent a response letter ( enclosed ) stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within XXXX days. It has been well over XXXX months and this account remains on my Equifax report. XXXX and XXXX have removed this account. Please see the attached response from the company and remove this account within XXXX days.

Company response to consumer: Closed with non-monetary relief