vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: MO

Complaint narrative:
This account was charged off on the following date XXXX. Since then the account has reportedly been updated as payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account rights. I am demanding a deletion of the following account. 
Account Name : 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 explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 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 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 2024-05-18 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, ANAD ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY!

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 2024-05-18 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: AR

Complaint narrative:
Despite our previous attempts, I regret to inform you that this issue still persists. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$400.00}.

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 2024-05-18 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: NV

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  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 2024-05-18 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: NV

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
XXXX XXXX XXXX opened on XX/XX/year> Without my knowledge. this card opend by someone who has my information. I sent this to all credit and asked them to Investigate after while I look at my report and noticed everything is still the same.

According to 15 USC 1681 iFive they are supposed to do this five treatment of inaccurate or on verifiable information. 
If after any reinvestigation under paragraph XXXX of any information distributed by a consumer an item of the information is found to be inaccurate on incomplete or can not be verified the consumer reporting agency show properly delete the item of information from the file of the consumer or modified that item of information as appropriate based on the results of the reinvestigation.

And properly notify The Furnisher of that information that information has been modified or deleted from file of the consumer. and according to 15 USC 1681EB they are supposed to ensure this be a currency or Freeport whatever consumer reporting agency prepare a consumer report it should follow reasonable approach the door to ensure maximum possibility accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681S to this os supposed to happen a reporting information with actual knowledge of errors a person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate be reporting information after notice and confirmation of a rude person shall not furnish information relating to consumer to any consumer reporting agency if The person has been notified by the consumer at the address specified by the person for such a notice that specific information is an inaccurate and information is in fact inaccurate. Experian XXXX XXXX XXXX really did not re-investigation they lied on an official document saying they did something they did not do and if I have evidence to prove my case

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX your attorney your attorney XXXX XXXX of XXXX XXXX contacted me around XXXXXXXX XXXX, she asked me twice that why I filed the lawsuit and I explained to her two times that why I filed the lawsuit. 

She asked me again to explain as she did not understand, I asked her to email me with her questions, she started shouting on me and humiliated me, after that she hung up the phone. She has no manners how to speak to a litigant. These kind of people represent you? I am very surprised. 

After that incident, she hasn't communicated with me and I took out her information from the California bar website. 

Her email is - XXXX and her phone number is 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 2024-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This dispute relates to two XXXX XXXX accounts held by me and two accounts held by my wife. 

On XX/XX/2024 I was unable to load funds to these cards and an email was sent to me and my wife that the cards were temporarily locked. We were also unable to log into those accounts. I called XXXX  on XX/XX/2024 and was told these accounts were permanently closed due to a returned charge ( I believe from a XXXX load of funds ). XXXX  customer service refused to provide any details -- such as the nature of the returned charge or the balances in the accounts. I was informed that the only way I could contact them to receive any information was by mail. 

I sent a letter on XX/XX/2024 requesting final statements on these accounts as well as funds from each account, which should be {$1000.00} per account. As of this date, XX/XX/2024, I have received no communications. 

Accordingly, I again called the XXXX  customer care number and was told to resubmit a request for this information by mail. I was refused, on multiple occasions, any direct telephone number to contact the company directly about the funds being held. 

I note as well that XXXX XXXX refusal to provide me with access to my account records has prevented me from seeking a chargeback or other resolution ( such as complaint with the XXXX XXXX XXXX XXXX ) from XXXX  who created the falsely disputed charges in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX using Affirm 's service, for a XXXX XXXX XXXX XXXX XXXX. On the shipping page I verified my billing and shipping addresses were correct, and finished processing the order. 

On XX/XX/XXXX, the item shipped. Once I had time to check the notification, I noticed it had shipped to wrong person half way across the country. 

I contacted XXXX support via phone and notified them of the error. I was told that I had to wait until after the item was delivered to make a claim. It was delivered to the incorrect address on XX/XX/XXXX. I immediately called XXXX to try and get a refund or the item shipped to the correct address. 

They referred me to the seller, XXXX XXXX, and opened a ticket with them on my behalf. I did not receive a response from XXXX XXXX until XX/XX/XXXX, stating that XXXX should open a dispute with XXXX. When responding to the ticket, I received a response telling me that I was not authorized to reply. 

I contacted XXXX via phone to relay that information. I was told they would not dispute with XXXX and I needed to contact Affirm to get the loan canceled. It took XXXX phone calls and manually opening a dispute to get them to talk to me on XX/XX/XXXX. 

I was asked to provide supporting evidence of me not receiving the item. I provided all information that was asked for, however I could provide no chat logs from XXXX being all communication was over the phone. Each time Affirm responded to me, the ticket was closed and I had to reach out via phone to get them to reopen the ticket. 

As of today, XX/XX/XXXX, Affirm has denied my claim, XXXX refuses to refund/reship, and I do not have the product that I ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon review of my consumer report with EXPERIAN there is an account in my report that is incomplete showing as reported by EXPERIAN 's website. The Fair Credit Reporting Act prohibits incomplete, inaccurate, and unverifiable information from being reported to the consumers report. The account in question is an account with the department of education that appears to be incomplete. It reports 'No Data ' all throughout the payment history section. I want to ensure that EXPERIAN reinvestigates this account promptly.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Propel, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I filed a dispute against a company that charged thousands on a debit card of mine while I was incarcerated. I was advised on XX/XX/XXXX that it was denied due to it being done by an authorized user. I HAVE NO AUTHORIZED USERS ON MY ACCOUNT NOR HAVE I GIVEN ANYONE PERMISSION TO USE THAT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: CO

Complaint narrative:
I got two unsolicited XXXX texts this week wanting to upgrade my loan which I didnt request and the other a fraudulent call text again. Both were never opened by me and both were screen shotted to XXXX. Who confirmed they were fraudulent.Please help me. I am a widow, alone and being abused by these idiots. I just want my money nothing more, so I can live.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: MO

Complaint narrative:
This account was charged off on the following date XXXX. Since then the account has reportedly been updated as payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account rights. I am demanding a deletion of the following account. 
Account Name : XXXX Account NumberXXXX

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 2024-05-18 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: MO

Complaint narrative:
This account was charged off on the following date XXXX. Since then the account has reportedly been updated as payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account rights. I am demanding a deletion of the following account. 
Account Name : XXXX Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, ANAD ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY! 

THE COMPANY HAS XXXX ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT AUTHORIZED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I'VE NEVER STEPPED BEEN TO XXXX, XXXX IS'NT IT ALSO ILLEGAL TO BE COLLECTING/REPORTING INFORMATION FROM A DIFFERENT STATE? 

PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY PLEASE AND THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
There are items/accounts on my consumer report that are a result of identity theft. Consumer reporting agency ( TransUnion ) is reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental anguish, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I believe TransUnion has not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX, which both organizations have failed to validate the alleged debt/account. There are no contracts in existence between the consumer and the organizations reporting these erroneous accounts. Furthermore, my concern is how they were able to obtain my non-public personal information. TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX, are in several violations of Fair Debt Collections Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1681e, 15 USC 1681q ), makes me wonder is they attempting to conspire to create a false belief the consumer owes such alleged debt and extortionate the 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 non-monetary relief