vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I placed an order for an item that was to be delivered in 10-20 days. This was a standard item ( a XXXXXXXX XXXX desk organizer ) that was billed at a price about half of other companies. I was immediately charged {$25.00} on a XXXX account which I had charged to my American Express account charge was made on XX/XX/2023. When myAmex statement arrived showing the charge I disputed it ( on XXXX ) as I never received any confirmation from the purported " seller '' nor have I have of of this date received the item I ordered. American Express closed the dispute on the bizarre basis that charge was justified with no explanation provided. I have demanded the charge be reopened as of even date. 

Any preliminary investigation would have determined that the immediate transfer of an Amex charge to XXXX which I never authorizes, the failure of seller to ever confirm the order and the failure to deliver merchandise after near 2 months is transparently fraudulent. I am entitled to a credit for {$25.00} and a recognition by Amex of its failure to comply with applicable law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have disputed with this creditor in XX/XX/23 I request bank transactions of proof that I was late the credit never sent proof it took 30 over 30 days to perform investigation theyre age my account they didnt verify the date last active they failed to to an update the creditor has illegally reaged my date late active as unverifiable XXXX failed to do update my account and to a proper investigation the creditor lat reported on my account XX/XX/23 even though my last dispute XXXX XXXX XXXX today date XXXX I have not received a update or re investigation from this creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: OR

Complaint narrative:
On XX/XX/2023 I booked a hotel for a stay on XX/XX/XXXX through XXXX using my Citi Card ending in XXXX for {$160.00}. I tried to cancel the reservation with XXXX within the allowed time for a full refund which is before XX/XX/XXXX and no response was provided by XXXXThis notice was sent on XX/XX/XXXX through email. I then tried calling XXXX and resolving and they could not find a record of this and then would not refund. 
On XX/XX/XXXX I submitted a claim to Citi to dispute this charge based on the above information. 
On XX/XX/XXXX Citi resolved the dispute in favor of XXXX based on information provided by XXXX not acknowledging that I tried to cancel before, only stating I called asked to refund after the cancellation date. 
I did not stay at the hotel, and tried cancelling before the XX/XX/XXXX date and was not able.

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 2023-11-24 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 U.S. Code 1681i - Procedure in case of disputed accuracy Party Owed : XXXX XXXX XXXX Amount : {$22000.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : XXXX XXXX  Account : XXXX Party Owed : XXXX XXXX Amount : XXXX XXXX Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : XXXX - Account : XXXX Party Owed : XXXX XXXX Amount : XXXX  - Account : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXX  - Account : XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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, I want to make this clear that this is I, XXXX XXXX and not a credit repair company sending out this notice to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Im in a debt consolidation with XXXX XXXX XXXX and on XXXX XXXX 2023,XX/XX/XXXX made a settlement offer for {$550.00}. They started receiving payments on XXXX XXXX 2023. It was reported to collections and appeared in derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date 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 2023-11-24 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: CA

Complaint narrative:
I requested Equifax to remove accounts that were close and reporting open and other inaccuracies on my report and to provide the source of the information reporting and the have not given a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
transunion failed to report accurate data points for two years to deny age of consumer

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 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reiterating my concern with TRANSUNION through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, TRANSUNION maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges.

The investigation period has extended beyond 30 days, during which TRANSUNION claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that TRANSUNION can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that TRANSUNION will uphold its commitment to maintaining the integrity of the credit information it provides. Please also find the FTC report attached with the report 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 non-monetary relief
Consumer complaint received 2023-11-24 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: TN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-11-24 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: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my XXXX, TransUnion and XXXX consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit report. 

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

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 2023-11-24 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: IL

Complaint narrative:
I recently received a copy of my XXXX, XXXX and Equifax consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: MO

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit report has incorrect personal information such as multiple name errors and a wrong social security number. The social is incorrect with XXXX, who also tell me I own and am financing a vehicle that a family member has the exact make/model. The loan for the vehicle I was told started at the time they that would make sense with this issue. I have had many other matters in regards to fraudulent trust, student loan, and social service accounts with this individual. All of which I have substancial evidence of wrongdoing. As this person is my mother, she has had all information of mine. I had a phone number with her account, used her address for mail, etc.

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 2023-11-24 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: CT

Complaint narrative:
My credit report has incorrect personal information such as multiple name errors and a wrong social security number. The social is incorrect with Experian, who also tell me I own and am financing a vehicle that a family member has the exact make/model. The loan for the vehicle I was told started at the time they that would make sense with this issue. I have had many other matters in regards to fraudulent trust, student loan, and social service accounts with this individual. All of which I have substancial evidence of wrongdoing. As this person is my mother, she has had all information of mine. I had a phone number with her account, used her address for mail, etc.

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 2023-11-24 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.

I have 3 accounts present on my credit report that have violated these laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit collection services ( XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Upon reviewing my consumer report online through XXXXXXXX XXXX XXXX XXXX XX/XX/2023 I discovered a negative collection account that I had no knowledge of. I also had not received any written communication from Transworld in regards to the alleged debt. i sent a letter to the company the XX/XX/2023 informing the company of violation of FDCPA 1006.30a and 15 USC 1681. I requested the deletion of the account from my consumer reports and the company 's accounts. It has been beyond the 30 days required by law to respond. The company has not responded and are therefore in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: Experian Information Solutions 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 U.S. Code 1681i - Procedure in case of disputed accuracy Party Owed : XXXX XXXX XXXX Amount : {$22000.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX Account : XXXX Party Owed : XXXX XXXX Amount XXXX XXXX - Account : XXXX Party Owed : XXXXXXXX XXXX XXXX  XXXX Amount XXXX XXXX - Account : XXXX Party Owed : XXXX XXXX Amount : XXXX XXXX Account : XXXX Party Owed : XXXX XXXX Amount : XXXX - Account : XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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, I want to make this clear that this is I, XXXX XXXX and not a credit repair company sending out this notice to 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