vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # 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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2022 I purchased five round-trip airline tickets, using my Citi XXXX XXXX credit card. 
XX/XX/2022 I called Citi customer service to confirm that each of us could check one bag for free because I used the Citi XXXX XXXX credit card. The customer service agent assured me that YES, each of us could check one bag free. She explained that I may have to pay at the airport but to rest assured that Citi would refund those charges. 
XX/XX/2022 we checked four bags and the agent required that I pay for all four checked bags at a cost of {$30.00} per bag. Total charged {$120.00}. 
Three of the four bags could have been carried onto the airplane, but I chose to check them because Citi assured me that I could check up to five bags free. 
XX/XX/2022 we flew back home and did the same thing - checked four bags, paid {$120.00} to the agent knowing it would be refunded per Citi 's assurance. 
I filed a dispute of these charges with Citi. Citi created 8 seperate disputes ( one for each baggage charge ). 
Eventually Citi refunded me {$60.00} for baggage fees on XX/XX/2022. 
I believe Citi still owes me {$180.00} for the other baggage fees. 
I have screen shots of the online conversation with Citi customer service. I submitted this to Citi.

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, 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:
I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. 
Equifax is reporting late payments on several accounts : XXXXXXXX XXXX  XXXX - Student loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. 

I at no time gave Equifax written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. 
The reporting of these late payments are not accurate and my privacy has violated due to Equifax violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Your dispute results are currently not available online Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX XXXX us : ( 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 explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violeted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE SENT LETTERS TO TRANS UNION TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : 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 explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
This is not a duplicae complaint this new complaint regarding new issue. I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that this inquiry was made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number XXXX and name of that fraud inquiry is XXXX XXXX XXXX - XX/XX/2022. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, it must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Thank you for your help.

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: NH

Complaint narrative:
Requested a withdrawal of XXXX from my BlockFi wallet to another wallet on XX/XX/XXXX prior to receiving an email stating that withdrawals would be paused. The request was initiated and was scheduled to go through on XX/XX/XXXX. As of XX/XX/XXXX that request is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXX XXXX XXXXXXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months because I was going off the statements. This is XXXX XXXX fault and they need to take ownership for this not me. This is violating my consumer rights, and I will sue the credit agency and XXXX XXXX if not removed from my credit.

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX MD XXXX I sent out 3 certified disputed letters one to TranUnion, XXXX XXXX and XXXX XXXX XXXX Delivered at XXXX XX/XX/2022 XXXX XXXX Delivered XXXX XXXX XX/XX/2022 XXXX TransUnion arrived at the USPS XXXX, PA XXXX XXXX XX/XX/2022 now here it is XX/XX/2022 the certified mail is still at the USPS waiting to be delivered more then 30 days later they never investigated or picked the mail up. With your help I would like for TransUnion to delete or remove what items I was disputing from my credit report because this is a clear violation of the Fair Credit Reporting Act Laws. I have documents attached time and time either they ignore or get say its verified now I sent certified mail and they just ignored it. Help Me Please CFPB

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: AZ

Complaint narrative:
Tried to withdraw funds in non earning wallet ( 0 % ) and withdrawals are suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature.

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is not a duplicate complaint this new complaint regarding new issue. I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that this inquiry was made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number XXXX and name of that fraud inquiry is XXXX XXXX XXXX XXXX  XX/XX/2022. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, it must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NV

Complaint narrative:
I'm very upset by the invalid information found on credit report via XXXX. I do not owe Enhanced Recovery a balance of {$160.00} in collections. This debt shows XXXX and past due as of XXXX of XXXX. The debt went into collection in XX/XX/XXXX. I sent a letter to dispute the collection debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax stated that They verified a fraudulent account. This is illegal and I have supplied a Legal Affidavidt requestion A method of verification. See documents attached to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/22, XX/XX/22, and XX/XX/22 my bank account was hacked. They reversed the charges of XXXX worth of bills that I paid in the last year. Then they sent the money to people I don't know via XXXX and wire transfers. I think my phone was hacked too. I contacted the bank for a fraud investigation and also spoke with the claims department. They told me I could go to any branch and withdraw my remaining money. I went to 3 branches and they wouldn't let me withdraw my money. I asked to speak to a manager. She refused to meet with me. They called the fraud department in my presence, and I was told that they were not even doing an investigation. The claims department didn't know what was going on either. I am now facing repossession of my car, eviction, and I have a million creditors hounding me for money. The bank is FDIC insured. I contacted the police who said there was nothing they could do. No one will help me. I didn't do anything wrong and now my life has been turned upside down. The company is JP Morgan Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

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