vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
These companies violated my rights to privacy and have not showed me proof of the original agreement and has negative items on my credit report. I gave NO permission to or signed any contracts for.

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 2024-11-11 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: MD

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: WY

Complaint narrative:
XXXX XXXX - Account # XXXX Amount - {$490.00} This account was purchased by a third party collection agency. XXXX XXXX paid a dollar amount for it, therefor reducing the original amount. So the dollar amount is WRONG on this account. This is a violation of - 15 US code 1681 ( e ) Inaccurate and invalidated credit information. Also I do not have a contract with XXXX XXXX and there is no original contract. Please remove this account from my 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an email and then phone call asking if I had changed my password and/or PIN number. I answered both " No ''. I then checked the app on my phone and saw activity happening on my account in front of my eyes. The suspect transfered money from our savings into our spend account. The suspect got money from an ATM and then also started shopping online. The charges are in XXXX, Minnesota, and online at XXXX. 

I immediately called the bank and asked to have my account frozen. It took the bank a while to do this and the suspect was able to use a virtual card to make further purchases. the total loss was {$3200.00}. The bank ( Credit Karma ) started to dispute the case and then reported back to us that there was no error. They are not returning the stolen funds. 

Credit Karma is now saying there was no error. They have a policy of no spending or withdrawal of cash over XXXX USD per day. The suspect in this case charged over XXXX dollars multiple times within hours. We are very confused that they say these are legit purchases when it is against their policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2024-11-11 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: FL

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX. 
showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-11 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: PA

Complaint narrative:
Made an online purchase for television service at a motel. Cancelled before stated date to avoid recurring charges. Noticed charges not made by myself on card. Filed dispute. Card was cancelled and replaced. Next month, charges were again made on new account. Again, filed dispute and card replaced. Third month, same thing happened. Wash, rinse and repeat. This time, I contacted service provider, and it was discovered that there was indeed fraudulent charges being made, and stated they would stop it. Why was card company, after reaching a dispute resolution in my favor, still charging my card? My thinking it was easier to just resolve dispute, as opposed to actually researching and finding guilty party. Meanwhile I keep getting recurring charges that I keep disputing. I did inform agent that I would cancel card if it happened one more time. I am curious to see what will happen in XXXX. This is after service company stated they will stop charges, as seen as a fraud purchase. This company is the streaming company XXXX. I do not have any contracts through XXXX. They can verify this. But CitiBank keeps reposting my account after cancelling account and settling dispute in my favor. Please advise. 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2024-11-11 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CORELOGIC INC
State: NE

Complaint narrative:
on XX/XX/year> I wrote to XXXX, XXXX XXXX, Core Logic/Credco XXXX XXXX, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ  state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX XXXX bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( XXXX ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the XXXX Bankruptcy XXXX wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my XXXX XXXX bill??? 
XXXX has not responded at all.????? 

XXXX sent a response of who furnished the information to them who is not a creditor, the bankruptcy has not been removed from my credit report they did send an updated report to show who furnished the information to them. 
CORE LOGIC /Credco sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year> XXXX did send me a list of creditors that are in good standing on my report however it does not show if the bankruptcy was removed as requested

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 2024-11-11 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: CBC Companies, Inc.
State: NE

Complaint narrative:
on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX , Innovis, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX  XXXX  bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( s ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my XXXX  XXXX  bill??? 
XXXX has not responded at all.????? 

XXXX sent a response of who furnished the information to them who is not a creditor, the bankruptcy has not been removed from my credit report they did send an updated report to show who furnished the information to them. 
XXXX XXXX XXXX sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year> INNOVIS did send me a list of creditors that are in good standing on my report however it does not show if the bankruptcy was removed as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I had an investigation conducted by XXXX into an allegedly erroneous collections debt of {$9800.00} reported to the XXXX major credit bureaus by XXXX XXXX on behalf of XXXX  XXXX XXXX XXXXXXXX and the debt was removed from my XXXX report on the basis that it was found to be rooted in false information yet the collections debt is still showing up on my Transunion and XXXX reports.

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 2024-11-11 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX  XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Overdraft fees return check fees from companies who were not authorized payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation