vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : Bankruptcy Federal XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-12 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: SC

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 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 2024-12-12 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: TX

Complaint narrative:
This letter serves as a formal demand under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding your companys failure to provide proper debt validation and continued reporting of inaccurate information to credit reporting agencies. 

On XXXX, I submitted a request for validation of the debt associated with the account referenced above. According to the FDCPA, you are required to provide proper validation of the debt, including but not limited to : The name of the original creditor ; The amount of the debt, including itemized fees and charges ; and Evidence that you have the legal right to collect on this debt.

To date, you have failed to provide the required documentation to validate this debt. Despite this failure, you have continued to report this unverifiable debt to credit reporting agencies, which is a direct violation of 15 U.S.C. 1681s-2 ( b ).

I am also a Texas resident and not North Carolina, I will need proof that you are licensed and can legally collect in Texas as well if you can fulfill the prerequisites.

This letter serves as a final demand for you to : 1. **Immediately cease all reporting of this debt to any consumer reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
There are unauthorized inquiries on my credit report that I did not authorize. Please remove these items as soon as possible. Here are the accounts that is reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: WI

Complaint narrative:
There are unauthorized accounts and inquires on my credit report XXXX  XXXX ( XX/XX/year> ) {$1300.00} XXXX XXXX XXXX  ( XX/XX/year> ) {$2000.00} Inquiries XXXX ( Bank ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX  XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX CA ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
XXXX XXXX Social security number XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These fraudulent accounts consist of XXXX opened XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX & XXXX opened on XX/XX/XXXX ... .I would like a investigation and have an accurate FICO credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: FL

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 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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have a account with chime today XX/XX/year> I had a direct deposit from child support that chime took and put in a safer credit building account that I had no knowledge about when I called to see what was going on the agent and supervisor was very rude and wasn't helpful at all they just told me about an automatic system that they had that takes money and put in a safer credit building account that I never authorized it they also couldn't return my direct deposit back into my checking account all this is new to me and I didn't have no knowledge about it I'm furious and need better answers this is my money and chime shouldn't be able to do what they want with my money and I didn't authorize it now I have no access to my money and they can't help me this is unacceptable who is chime and how can they do this to their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 please 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 Under 15 U.S. Code 1681b 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 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 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
In 2022, I began XXXX  XXXX bankruptcy. I contacted company within a few weeks of my filing XXXX, and I asked them if I can resume car payments after my bankruptcy is XXXX and clarified if there would be any negative results because of this. They assured me, " No, sir. '' I continued to pay my payments for about a year. A year later, I asked them again to make sure because I wanted to pay the car payment amount towards my bankruptcy. They assured me there would be no problems. Within a week of my XXXX  XXXX bankruptcy discharge, I got a letter from them threatening action against me. I called them. They said I needed to pay over {$1600.00} per month for 5 months to keep my car. I agreed because I want my car. I asked them for written confirmation of our agreement. They insisted it is a verbal agreement, and they refuse to send me anything in writing. I sent them my first payment of over {$800.00}. They then reported a year 's worth of late payments to the credit bureaus. In short, they lied to me. Then, they hit my credit report. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NE

Complaint narrative:
Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX  Account Number : XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report regarding the above-referenced account. Pursuant to 15 U.S. Code 1681s2, furnishers of information have a duty to provide accurate and complete information to credit reporting agencies. However, the information reported by TransUnion, XXXX, and XXXX contains multiple discrepancies that must be investigated and corrected. 

Below are the inaccuracies : Date Opened TransUnion reports XX/XX/XXXX. 
XXXX and XXXX report XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date of Last Activity ( DOLA ) TransUnion and XXXX report XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date Reported TransUnion reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
High Balance TransUnion and XXXX report the XXXX XXXX as {$480.00}. 
XXXX reports the High Balance as {$0.00}, which is inaccurate. 
Request : Delete immediately due to inconsistent and unverifiable information.

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 2024-12-12 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: NE

Complaint narrative:
Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report regarding the above-referenced account. Pursuant to 15 U.S. Code 1681s2, furnishers of information have a duty to provide accurate and complete information to credit reporting agencies. However, the information reported by XXXX, XXXX, and Equifax contains multiple discrepancies that must be investigated and corrected. 

Below are the inaccuracies : Date Opened XXXX reports XX/XX/XXXX. 
XXXX and Equifax report XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date of Last Activity ( XXXX ) XXXX and XXXX report XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date Reported XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
High Balance XXXX and Equifax report the High Balance as {$480.00}. 
XXXX reports the High Balance as {$0.00}, which is inaccurate. 
Request : Delete immediately due to inconsistent and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-12 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: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I had been gifted an AMEX gift card from a friend. I have not been able to use this card on any of my desired purchases. 

The card has been consistently declined across several online platforms, including XXXX, XXXX, digital software providers, and video game platforms, all of which are known to support AMEX payments. I have called AMEX gift card support for a solution, where I ( as well as the original purchaser ) was unable to even be connected because the automated assistant is unable to find my card number and connect me. 

AMEX advertises on its website that the gift card can be used " virtually everywhere American Express Cards are accepted in XXXX and the U.S. '' This claim appears to be misleading, as my experience above has proven otherwise. I have never encountered such issues with gift cards from other vendors on the same platforms. The money on this card is a significant sum to me, and I wish for this to be resolved promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX doesnt have consent to furnish anything to 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I 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 XXXX please 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 Under 15 U.S. Code 1681b 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 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