vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello on XX/XX/year> I submitted a request to experian to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-04-10 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: AZ

Complaint narrative:
I have not made these records and firmly suspect they are tricks. Kindly do an intensive examination and eliminate them from my credit report right away. I have given proof to help 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 2024-04-10 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are accounts being reported inaccurately on my credit reports. They are deliberately being reported as if they were accurate. This in turn is damaging my reputation and character. It is ruining my ability to gain new 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 explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.

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 2024-04-11 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: TN

Complaint narrative:
I am writing this complaint because upon review of my credit report and consumer disclosure reports, I noticed an account on my credit report associated with a company called XXXX XXXX XXXX was being re-aged. The last time I paid on this account was back in the year XXXX between the months of XXXX or XXXX. The account was charged off on XX/XX/XXXX. Currently the date of last activity reports that I have been active on this account as of XX/XX/XXXX which is factually false, misleading, and inaccurate. This account has been exposed to fraudulent activity and I want it blocked and removed from all consumer reporting agencies immediately! It violates the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605 for identity fraud. The account number for this account is 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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received letter from American coradius international llc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} This is not my debt I never used this one. 
Account # XXXX Reference XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> my account for XXXX XXXX XXXX XXXX  account # XXXX was removed from my XXXX credit report and in accordance with fcra information should be the same across all accounts and verifiable so this account should be removed from trans union and experience as well

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One offers the option to transfer your rewards points to one of their XXXX XXXX. However, when you are logged into your account to complete the transfer, they do not let you without using XXXX authentication. The only option to use is to have them check your name against the name on your cell phone account to receive a code. If your phone account is not in your name, then you are out of luck they say. I was told I would need to go open a whole new cell phone account and plan in my name to be able to access and transfer the rewards points I earned through spending. My business pays for my cell phone service, so my number is registered to them. Lots of people have family plans and may have a parent or partner that the plan is registered to. So, Capital One is saying because the line isn't registered to my name, they are unable to verify my identity and let me use my reward points that I earned through spending. They offer no other way to use XXXX authentication other than this method for converting rewards. However, when accessing other areas of the website allow you to use mobile app verification as well as sending you a code via text. So, I am not quite sure why they can not send the code via text to login and convert rewards. They say it is for account security, but it is less secure to access my account then transfer rewards? They are false advertising their product and pulling consumers in to spend money to gain these rewards, but are not giving us what was promised when we signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I had an account with XXXX XXXX. The company closed their credit card business down. My account was closed XXXX it transferred to Genesis FS. Genesis FS recently switched it to Concora Credit. On XX/XX/year> I set up an auto pay on the Genesis FS website for {$30.00} for this account. Today, Concora Credit submitted an ACH for {$350.00} not {$30.00}. I did not authorize them to do this. So, I signed into the Genesis FS account page as Concora has not established a page for Genesis FSXXXX XXXX XXXX XXXX It showed that XXXXnesis FS submitted a payment for {$350.00} yet the auto pay says {$30.00} each month. CONCORA CREDIT is the one who submitted the ACH. I I called Genesis FS and after much investigation, the representative tells me that this has been an issue with other customers as well. When I asked her to speak to someone she said that she could only note my account, escalate it to their accounting department and she also encouraged me to call my bank. I expressed that this ACH was made fraudulently as I did not give them permission to make such a large payment. She apologized and that was all she had the power to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
Sent me a debit card I never signed up for and asking me tos et an account up

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 2024-04-10 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:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TN

Complaint narrative:
There are accounts being reported inaccurately on my credit reports. They are deliberately being reported as if they were accurate. This in turn is damaging my reputation and character. It is ruining my ability to gain new 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/XXXX, While I was overseas, an account with XXXXXXXX XXXX was opened fraudulently in my name and charges were applied without my authorization or knowledge XX/XX/XXXX, I was made aware of the charges through reviewing my credit report. I disputed the charges with XXXX and the Credit reporting agencies, informing them that it was not my account and was opened as a result of Identity Theft, and continued to dispute for months XX/XX/XXXX, I filed an FTC Identity Theft Report and submitted it to XXXX and the credit reporting agencies. Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


XX/XX/XXXX, I sent another letter to XXXX with a copy of the ID theft report. As well as written disputes to each credit reporting agency. Again, Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


XX/XX/XXXX, I sent another dispute to the credit reporting agencies, requesting to remove the inaccurate information. Once again, Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


This illegal activity by Experian as well as XXXX has prevented me from obtaining housing, a vehicle loan, and investing in real estate and businesses.

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 2024-04-11 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: NY

Complaint narrative:
I am writing to convey my discontent regarding the information stated in the response letter, which inaccurately identifies my complaint as originating from a third party. I want to clarify that I am personally submitting this request concerning the inaccuracies present in my credit file. To verify my identity, I have enclosed copies of my Driver 's License, Social Security card, and proof of address.

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 2024-04-10 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
XX/XX/XXXX at the Best Buy store purchased online order a XXXX XXXX XXXX charging to the Best Buy Citibank the amount {$640.00}. The BB App was updating me the status of the order, when it says that would not be delivered due to missing XXXX XXXX. When I called Customer Service, I was told it was already returned to the warehouse by XXXX in Illinois and be sending to the shipper arriving on XX/XX/XXXX. I decided to place my own order for XXXX XXXX XXXX on XX/XX/XXXX, the item arrived to my apartment on XX/XX/XXXX and records shows my XXXX XXXX XXXX but I tested and did not like for the amount paid so I returned it on XX/XX/XXXX to the store. The credit of {$640.00} for the FIRST purchased that it was never delivered never applied. I have complained ( 4 ) times to BB Citibank with the same answer as decline case. According to their records was sent to me ; show it was delivered with XXXX  from BB location XXXX, XXXX on XX/XX/XXXX and records doesn't show XXXX XXXX. I was not awarded that BB will be sending the item again. This is unusual procedures. Also, I never received update notifications of this item. The question is using a carrier XXXX, then XXXX, later XXXX received on XX/XX/XXXX and XXXX delivered on 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