vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with XXXX. I filed a report with the XXXX XXXXXXXX XXXX for Id entity theft in XXXX also had my credit frozen through Experian or XXXX after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with Experian for a debt under the company name of XXXX XXXX associates. After Experian reviewed the filed report they removed it from my credit file. Then a company named XXXX XXXX has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to XXXX XXXX for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.

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 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
- **Dispute Type : ** Credit - Unauthorized Transaction - **Date Error Reported : ** XXXX - **Claim Amount : ** {$560.00} On the date mentioned above, I reported unauthorized ATM withdrawals totaling {$560.00}. This amount reflects a significant breach of my account 's security. I am deeply concerned that a thorough investigation was not conducted following my initial dispute. 

I hereby demand that a reinvestigation of these unauthorized transactions be undertaken immediately. Furthermore, I request that the investigation process be audited for its efficacy to ensure all necessary measures are taken to protect my account and prevent future unauthorized activity. 

Please confirm receipt of this letter and provide a timeline for the reinvestigation. I expect a prompt resolution to this matter, including a full reimbursement of the disputed amount to my account. I will be Filing a CFPB Complaint for the improper or negligent investigation and subsequent denial of my disputes after expressing concerns about security and a breach in the past! 

Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-07-19 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I explained to XXXX that the charge was fraudulent. They sent back a breakdown of transactions that I never made. Therefore this is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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:
After carefully reviewing my consumer report, I notice several inaccuracies. I am requesting for a full investigation of the account listed below to make sure this account is accurate. It is my right as a consumer to request such action under the FCRA. 

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 2024-07-19 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:
After carefully reviewing my consumer report, I notice several inaccuracies. I am requesting for a full investigation of the account listed below to make sure this account is accurate. It is my right as a consumer to request such action under the FCRA. 

XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/year> XXXX  application denied internet access to bank account credit file of XXXX. XXXX  application is a black hat trick under false pretense to a CREDIT FILE XXXX name XXXX XXXX of an ITIN spanish police XXXX that prevents XXXX XXXX XXXX customer access to IRS XXXX to defer debt and acquire finances. Credit is not perfect. XXXX XXXX is to be made perfect with birth-given name and surname. XXXX person keeps hiding name with black hat tricks. That's like XXXX XXXX XXXX. I'm a elf with a given name so due from barbaric nature I keep getting harassed by XXXX XXXX XXXX  messing up the internet.

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 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/year>, I received a notification from Apple that an XXXX Ride had just been purchased or paid for in the amount of {$96.00}. I immediately contacted Apple concerned about the charge and realized that it was a fraudulent charge. Apple proceeded with the dispute and never asked for any additional information. After Apple 's investigation, Apple determined that my Apple ID was used and that I was responsible for the charge. I immediately contacted Apple and asked for a supervisor to ask that the charge be investigated again. I never gave anyone my Apple ID password and would never do so. A second investigation from Apple was done on XX/XX/year>. Apple never contacted me for any additional information in which I have an XXXX account that no one but myself has access to. Apple declined to accept that this charge was fraudulent and that I have never visited XXXX. I'm a victim of fraud from a charge using XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-19 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: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX due to unethical credit reporting practices. 
I received notification that XXXX 's incorrectly placed a 30 day late on my credit report for XX/XX/XXXX. I contacted XXXX via telephone on several occasions to have this corrected and it was not. While my balance was paid in full, XXXX added additional interest charges in XX/XX/XXXX for {$2.00}, which was then submitted to the credit bureaus as a 30 day late for not paying an interest charge which did not appear on my statement at the time of payment in XX/XX/XXXX. 
I contacted XXXX on XX/XX/XXXX to have my store credit card closed. I submitted final payment on this account to pay the balance in full. I received notification from XXXX that the account was in fact closed in XX/XX/XXXX. I received a statement from XXXX on XX/XX/XXXX, indicating that a {$2.00} interest charge was added to this closed account on XX/XX/XXXX. Why would a closed account still be receiving statements and a random interest charge of {$2.00}? I am filing this complaint hoping that you will investigate the unfair credit reporting practices for XXXX - XXXX XXXX. as I'm concerned that many consumers are falling prey to their predatory practices of unfair credit reporting and invalid interest charges. They charge accounts extra interest and then report it to the credit bureaus as unpaid or paid late. This is unfair to consumers.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After carefully reviewing my consumer report, I notice several inaccuracies. I am requesting for a full investigation of the account listed below to make sure this account is accurate. It is my right as a consumer to request such action under the FCRA. 

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 2024-07-19 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: LEXISNEXIS
State: WA

Complaint narrative:
This is in response to the intial complaint # XXXX. In that complaint I complained that I have filed with Lexis Nexis a dispute and they refused to block the identity theft caused on my credit report. I attached to it a copy of my police report, FTC affadavit, proof of address, Proof of social security number, and state ID, they never responded so I filed the above mentioned complaint. The responded to that complaint by stating : " This correspondence is in response to the complaint LexisNexis Risk Solutions XXXX ( LexisNexis ) received from your office on XX/XX/year> on behalf of XXXX XXXX XXXX, in which XXXX XXXX disputes the alleged inaccurate reporting of bankruptcy record case number XXXX, address, tradeline account, and inquiry listed on his file. 
Thank you for your patience while we reviewed this matter and prepared the appropriate response. 
Based on the information XXXX XXXX provided in this complaint filed with your office, we are unable to fully authenticate XXXX XXXX identity and as a result we are unable to provide specific details regarding XXXX XXXX file. '' I will attach proof of my identity on this complaint the information should be blocked immediatey.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: AL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Report Discrepancies Investigation Request Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies in my credit report across all three major credit bureaus : Experian, XXXX, and XXXX. Upon reviewing my credit reports, I have identified discrepancies that require investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I believe that my credit report contains inaccuracies that may impact my creditworthiness and financial standing. These inaccuracies are significant as they [ briefly describe how these inaccuracies may have affected you, such as impacting your ability to obtain credit, causing financial harm, etc. ].

I request that the Consumer Financial Protection Bureau conduct an investigation into the inaccuracies on my credit reports. I am attaching my contact information. 

Enclosed are copies of relevant documents supporting my claim, including copies of my credit reports. Please inform me of the steps the CFPB will take to address this matter and the expected timeline for resolution. 
Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received the letter from Citibank that told me my Citi account will automatically close within 60 days on XX/XX/XXXX. In the letter, it didnt provide any information of why they are closing the account, and they said my funds will be sent to me once the account is closed. The letter also says if I want to get the money sooner than expected, I should visit the local branch or call them. 

Since I have XXXX dollars in my account, and I really need the money to pay my rent, I decided to get my funds quicker. 

However, I visited the branch on XX/XX/XXXX, but the agent told me they could do nothing on the closing accounts and asked me to call the number provided. So on XX/XX/XXXX, I called the Citi number, but they said they could do nothing either and I have to wait for 30 to 60 days before getting my funds back. 

I dont understand why it took them so long to close my accounts and hold my money. Im under emergent situations and need the money to pay for my rents.

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 2024-07-19 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that your company will investigate this account for me to ensure accuracy. here is my account i am asking you to verify as accurate. 

XXXX XXXX account # 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 2024-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I paid off my account and they are refusing to release the vehicle. They are saying that we're going to have to wait until the vehicle is taken out of state before we can get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally took over my XXXX account. Since then I have been unable to access my account online. I have made calls since roughly XXXX of last year and the representatives said the problem was being fixed. I have no way to check for fraudulent charges, what my monthly payment is, etc. I called today XX/XX/XXXX and the phone system has changed and there is no access to pay a bill. The representative I spoke to is now in another country and in trying to work with him I explained what I needed and he hung up. It's been at least 10 months since I started complaining about being unable to access my account online. I find it hard to believe they were unable to fix this problem after all this time. Now that they have changed their phone system, Ally has set up another barrier to overcome. I'm surprised they have gotten away with this. In talking with the representatives in the past they led me to believe it is a widespread problem, so I would be surprised if others aren't also suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CO

Complaint narrative:
Someone opened an electric account in my name, ending on XX/XX/XXXX of XXXX. The account was for XXXX XXXX XXXX for address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  My name is XXXX XXXX and I have NEVER lived in XXXX nor do I know anyone in that state. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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