vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 2025-02-24 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: NC

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 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Rockwallet LLC
State: VA

Complaint narrative:
On XX/XX/year> my request to sell a portion of the XXXX  held in my RockWallet account received an error. I contacted support via the android application and email. On XX/XX/year> I requested to withdraw an amount to my linked bank account. I was shown an ACH fee that was deducted from the amount to be withdrawn. After completing the withdraw request my account balance was below what was withdrawn. More than the amount I requested to withdraw was deducted. I contacted support via the app and identified the amount missing. I was told it was a 'gas ' fee. I did not receive an accurate description of the fee or a reason for the fee not being disclosed prior to the request. I was given an explanation of the fee being assessed as a bank fee. I attached a screen capture of the email I received from RockWallet identifying the fee as a gas fee and implying my bank charged an extra XXXX  fee. I asked to be reimbursed for the fee. I was informed via email that my request for a reimbursement would be considered. I was emailed about being reimbursed in another crypto currency. I asked for more than the amount offered so that a withdrawal was possible. I was given an amount that was able to be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to send a peer-to-peer ( XXXX ) payment using my Chime account. When I initiated the transaction, the recipients name displayed one thing, but after the money was sent, it went to someone entirely different. Realizing this issue immediately, I called Chimes customer service within XXXX minutes to report the discrepancy and request that the transaction be canceled or corrected. 

Despite my prompt action, Chime refused to reverse the transaction, citing that no error occurred. This is unacceptable given that the issue was reported instantly and before any funds could have been withdrawn or used by the unintended recipient. 

Chime later denied my dispute ( Claim ID : XXXX ) and stated that no error had occurred, even though their system clearly sent funds to an unintended recipient. As a customer, I followed the correct procedure and reported the issue immediately, yet I was denied any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I have contact Early Warning Services about the information being reported on my consumer file with is inaccurate/ fraudulent. I have been disputing XXXX items many times, and this agency has done nothing to resolve my problem. The items are XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX. I have filled out a FTC Fraud form, submitted it to Early Warning to have the records blocked and they have failed to do so. I have contacted every bank to gather more information, and XXXX has said to me every time I contact them there is no record in their system with my information- any of it, they said they would still have a profile in the system even if the record was purged. XXXX XXXX XXXX, and XXXX XXXX XXXX  are reporting fraudulent accounts that I did not open, in fact most of the information they are reporting is correct expect the address on the account and the driver license numbers, which means its NOT MY ACCOUNT. This is ridiculous for a credit reporting company to continue to put citizens through this and the government should shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I clicked a link saying i owed XXXX XXXX XXXX. Look at the website saw it was fake the. Like XXXX XXXX later I got a notification that XXXXXXXX XXXX was sent to someone for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I asked Citibank to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. Citibank did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed Citibank XXXX XXXX XXXX. 
I requested Citibank to cancel this card again, I paid by two separate checks for the exact amounts of the last two valid charges I made on this card and again reported that all the remaining transactions as fraudulent. Citibank did not accept this and reported to the three credit bureaus XXXX, XXXX and XXXX that I was late in payment on this card in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I made several requests in writing and on the phone to Citibank that all these charges are fraudulent and they happened because Citibank did not cancel my credit card. Citibank claimed that their late payment reports to the three credit bureaus is correct.

After again insisting that I never visited South Carolina in my life, Citibank slowly started cancelling the fraudulent charges. After nine months of going back and forth, Citibank admitted that all pending charges are fraudulent and that they actually owe me US {$810.00}. They sent me a check for US {$810.00} and reported to the three credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to Citibank 's negligence. I have requested Citibank in writing to rectify their mistake more than thrice but they did not. I want Citibank to clear the wrong reporting they made against me in 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 monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian, Equifax, and Transunion are all reporting conflicting information concerning XXXX XXXX account opened in XXXX and other accounts that they refuse to investigate. This particular account is closed and is reflecting negatively on my credit. I have reached out to each bureau to correct this error, but have not been successful. The number of late payments should reflect exactly as the company reported from their system. However, the agents I spoke to on Tuesday, XX/XX/XXXX, stated that they would not be able to do anything about this. My last resort is to have the CFPB reach out to each bureau to request a proper investigation into this matter. I would like the addresses, names, and late payments to reflect accurately at each bureau. Also, I would like for my request to delete hard inquiries that I did not authorize. My information has been confirmed as compromised in the Equifax data breach and I am at risk for fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
Experian, Equifax, and Transunion are all reporting conflicting information concerning XXXX XXXX account opened in XXXX and other accounts that they refuse to investigate. This particular account is closed and is reflecting negatively on my credit. I have reached out to each bureau to correct this error, but have not been successful. The number of late payments should reflect exactly as the company reported from their system. However, the agents I spoke to on Tuesday, XX/XX/XXXX, stated that they would not be able to do anything about this. My last resort is to have the CFPB reach out to each bureau to request a proper investigation into this matter. I would like the addresses, names, and late payments to reflect accurately at each bureau. Also, I would like for my request to delete hard inquiries that I did not authorize. My information has been confirmed as compromised in the Equifax data breach and I am at risk for fraudulent activity.

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 2025-02-24 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:
In the past 4 months there has been 3 hard credit inquiries conducted using my personal information and SSN, which I did not request. Additionally, there was a credit card account opened under my name for XXXX XXXX  XXXX, there is now an outstanding balance remaining due to the fact that I did not open it. All of this has significantly affected my credit score. I have filed a dispute for two of the hard inquiries and for the credit card account on Equifax and TransUnion. When I tried logging on to XXXX to file for the XXXX 's hard inquiry I noticed my log-in information had been modified. After trying to get access to my XXXX  account I was given the email and address that I provided on this report and I believe are being used to access my XXXX  account. It is evident that someone is using my personal information to request hard credit inquiries and open credit card accounts on my behalf. After submitting my dispute, the results from TransUnion and Equifax came back as accurate. I want to reiterate that I did not request these hard credit inquires nor did I open a credit account with XXXX XXXX  XXXX. Furthermore, I want to emphasize that the XXXX account was opened on XX/XX/XXXX and then closed two days later on XX/XX/XXXX with a remaining balance of {$190.00}, but since then the amount has increased to {$240.00} as of XX/XX/XXXX. My credit score has gone down significantly due to this, therefore I am kindly requesting that TransUnion investigates this again and removes this account from my credit history. I have also activated a fraud alert with the credit bureaus since my social security seems to be at risk. I would appreciate any further communication and assistance with this situation. 

It is important to mention that I was a victim of burglary of vehicle in XXXX. Inside where some of my tax documents which contained personal information such as my social security number, full name, date of birth and full address. This incident took place on XX/XX/XXXX and I have attached a police report. The police report is under my wife 's name, XXXX XXXX. On the police report you can also find my previous address and details of what was taken. This is why I strongly believe that my social security number and other information was used to open the XXXX XXXX XXXX  XXXX credit line. I have also attached my Identity Theft Report that I filed on 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 2025-02-24 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: EQUIFAX, INC.
State: GA

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. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX 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 a consumer reporting agency can not furnish a 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
I believe that this collection account is inaccurate and should be removed from my credit report. I have enclosed documentation that supports my dispute, including proof of payment, correspondence with the collection agency, and the fact that I did not receive a 1099 for this debt. 

Furthermore, I would like to bring to your attention that the date of the alleged debt is past the statute of limitations for collection in my state. Therefore, I request that this collection account be removed from my credit report based on the expiration of the statute of limitations. 

I request a thorough investigation into this matter and request that the collection account be removed from my credit report if it is found to be inaccurate, unverifiable, or past the statute of limitations. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate disputed items within 30 days of receiving a dispute letter. I request that this dispute be resolved within the required time frame. 

Please provide me with written confirmation once the investigation has been completed and the collection account has been removed 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 2025-02-24 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: AL

Complaint narrative:
I believe that this collection account is inaccurate and should be removed from my credit report. I have enclosed documentation that supports my dispute, including proof of payment, correspondence with the collection agency, and the fact that I did not receive a 1099 for this debt. 

Furthermore, I would like to bring to your attention that the date of the alleged debt is past the statute of limitations for collection in my state. Therefore, I request that this collection account be removed from my credit report based on the expiration of the statute of limitations. 

I request a thorough investigation into this matter and request that the collection account be removed from my credit report if it is found to be inaccurate, unverifiable, or past the statute of limitations. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate disputed items within 30 days of receiving a dispute letter. I request that this dispute be resolved within the required time frame. 

Please provide me with written confirmation once the investigation has been completed and the collection account has been removed 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 2025-02-24 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: TX

Complaint narrative:
While reviewing my recent Equifax credit report, I noticed an account reporting a repossession of my credit report. This particular company I've never even done business with this company verbally ore written, I attempted to dispute this account within the credit bureau, but they have yet to respond, please help get this fraudulent company removed off my credit report. Thank you. Company is as follows XXXX XXXX  account number XXXX phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation