vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file listed on my credit report : 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
During XX/XX/XXXX I made a credit transfer from my XXXX XXXX Credit Card to pay off a Macy 's balance of {$1000.00} XX/XX/XXXX I received a call from Macy 's indicating they did not receive my payoff and I needed to pay {$120.00}. I paid the amount and closed out the Macy 's account. 
XX/XX/XXXX Macy 's started reporting me late so I disputed this with all three credit companies with a copy of the letter from XXXX XXXX that the amount of {$1000.00} was paid. 
As this is going on Macy 's kept my account open but increased my credit limit on a closed account. 
I reached out to Macy 's through there dispute information in XX/XX/XXXX. 
During this time Macy 's reported back the amount was correct and I owed the money. 
After repeatedly disputing the amount being paid off during XXXX of XXXX, Macy 's agreed the account was closed by customer and applied my XX/XX/XXXX payment during the month of XX/XX/XXXX and credited me around {$35.00} credit for late fees. 
During the month of XX/XX/XXXX I was not report to the three credit bureaus as delinquent but they raised my credit limit on a closed account and stated I owe {$200.00} plus dollars. 
Today is XX/XX/XXXX and Macy 's has been reporting me again delinquent to all three credit bureaus since XX/XX/XXXX. My credit score is ruined I have proof of it.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am filing a complaint regarding LexisNexis for reporting incorrect information on my consumer report and failing to properly investigate and correct the disputed items. Despite following the formal dispute process under the Fair Credit Reporting Act ( FCRA ), LexisNexis has continued to report inaccurate information, which has negatively impacted my credit profile. 
Details of the Complaint : 1. Incorrect Personal Information : Multiple incorrect variations of my name, date of birth, addresses, phone numbers, and email addresses are being reported on my consumer file. I have provided LexisNexis with my correct information and formally disputed the inaccuracies, yet these errors remain unresolved.

2. Failure to Properly Investigate : LexisNexis failed to conduct a reasonable investigation into my disputes as required by law under 15 U.S.C. 1681i. This failure has led to the continued reporting of false information, which is a violation of my rights under the FCRA.

3. Inaccurate Account Information : An account that I have disputed due to inaccuracies continues to be reported on my file. LexisNexis has not deleted or corrected this information, even though it can not be verified as accurate.

Impact : The inaccurate reporting has caused significant harm to my credit profile, affecting my ability to obtain credit, and has led to unwarranted stress and financial hardship. I believe LexisNexis violates the FCRA, specifically 15 U.S. Code 1681e ( b ) - Accuracy of Report.

Request for Resolution : I am requesting the CFPBs assistance in ensuring that LexisNexis fulfills its obligations under the FCRA by : 1. Correcting or deleting my consumer report 's inaccurate personal and account information.

2. Conducting a thorough and reasonable investigation into my dispute.

3. Provide me with an updated copy of my consumer report reflecting the accurate information.

I expect a swift resolution to this matter to prevent further damage to my credit standing and financial well-being.

I have provided the necessary documentation to verify my identity, as outlined below : A copy of my Driver 's license, a copy of my Social Security, a copy of my Birth Certificate, A copy of a recent Utility bill, and a copy of the dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dispute : XXXX with Chase Bank for British Airways Credit Card ending in XXXX British Airways charged me multiple times for the same trip, and they claimed that the bank did not release the funds and would not allow me to finish my journey unless I repaid the ticket. Chase refused to refund me for the extra cost. I ended up being charged XXXX for XXXX ticket, and I had to pay twice due to Chase Banks neglect. 

On XX/XX/year>, I booked XXXX single round trip flight going from New York to XXXX ( Booking reference XXXX ) for {$890.00}. 

Confirmed by transaction for payment for the ticket : XXXX on XX/XX/XXXX. 

I noticed that Chase Bank/British Airways had charged me twice for {$890.00}, so I called the bank to dispute the charge, and the duplicate charge was refunded back. 

On XXXX XXXX, I paid my credit card bill for {$1000.00}, which paid for the ticket. 

On XX/XX/XXXX, the first leg of the flight was taken without any issues. British Airways did not contact me or alert me of any payment issues, in fact, they sent me emails to wish me a good journey, and the first leg was completed. 

On XX/XX/XXXX, while attempting to take the second leg of the trip from XXXX, I was informed by British Airways that the Bank did not pay for the ticket, and therefore, they would not issue a ticket unless the ticket was repaid in British Pounds of 737.11 which equaled to {$930.00}. This {$930.00} charge is the only payment that British Airways has for this ticket. Where did the original {$890.00} go?

I would like my charge of {$890.00} back, and Chase refuses to acknowledge where this money has gone, and British Airways claims that the only payment they have for my ticket is the {$930.00} which I was charged at the desk. When I asked Chase, they said the time to handle this dispute had in fact expired despite the fact that this whole scenario has taken time between British Airways and Chase both refusing to help, despite this being something they that caused. They charged me twice for {$890.00}, XXXX was cancelled, but I have no idea where the other charge has gone, it's essentially in a XXXX hole, and British Airways do not have the funds either..

British Airways was more helpful than Chase Bank, they just have taken our funds and said too bad because time is expired our funds our lost. There is no accountability from this bank. I don't understand as this was a British Airways Chase Credit Card, yet both institutions are completely neglectful.

They charged me twice for one ticket, refused to pay British Airways for the ticket I used the card for despite making payment, and due to this, I had to repay again to use a ticket in a very stressful situation. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
c THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

GOODLEAP LLC XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim ofXX/XX/XXXX of debt bondage and would like for all listed accounts to be blocked and deleted..company information TRANSUNION,XX/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 non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against the major credit reporting agencies ( XXXX, Experian, and XXXX ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed theXX/XX/XXXX as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XX/XX/XXXX stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or vali

date any bankruptcy-related information for the credit bureaus. Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected immediately.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX Balance : {$3300.00}

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit report. 

Please review the attached letter for further details. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am requesting the removal of inaccurate addresses from my credit report. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived here ) ]. 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I am filing this complaint against XXXX, SageStream, and XXXX for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of the bankruptcy information. However, I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, XXXX, SageStream, and XXXX have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Innovis for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as the data furnisher of the bankruptcy information. However, I have received an official letter from the U.S. Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, XXXX, XXXX, and Innovis have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a formal cease and desist letter that is associated with the XXXX XXXX account ( XXXX ). This account has been incorrectly reported as an incomplete and not reported information. Meanwhile, XXXX was continuously reporting a charged off status, which is not only misleading but also violates the Fair Credit Reporting Act. 

XXXX has already recognized the inaccuracies with this account and removed it from my credit report. So, Transunion must delete this account from my credit profile to ensure that my credit report reflects accurate and up-to-date information. 

I hereby request that Transunion cease and desist from reporting the inaccurate XXXX XXXX XXXX account on my credit report immediately. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. Transunion will be held liable for damages for publishing on my consumer report as well.

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