vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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:
XX/XX/XXXX, I looked at my report. I sent a letter to all bureau on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX {$2000.00}, XXXX XXXX  XXXX {$13000.00}, XXXX XXXX XXXX XXXXXXXX {$60000.00}, XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian, XXXX, XXXX really did not reinvestigation they lied on an official document saying they did something they did not do, and 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 2024-03-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts. I am displeased with this discovery and insist on the prompt removal of these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-03-29 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: NY

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have been an account holder of Chine for over 4 years and my payroll and retirement checks are direct deposited into my checking account monthly however, Chime refuse my mobile deposit of {$15000.00} on XX/XX/year>, which is under the {$20000.00} maximum limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: OK

Complaint narrative:
I did not give consent for these inquiries and have strong reasons to believe they are fraudulent. I urge you to conduct a thorough investigation and promptly erase them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
I used a Citi personal credit card to purchase a new coffee machine online, from XXXX. The coffee machine that I received would not power on, so as soon as I discovered that, I filed a service request with XXXX. They sent their own service technician who confirmed that the machine is defective. I declined repair, because I didn't pay to buy a defective machine- I expected to get a brand new product that worked. My request to XXXX to replace the product was denied. So I disputed the charge with my credit card company, Citicards ( or Citibank ). Citicards has determined that I am responsible for the charge. They requested no clarification from me after I submitted the initial dispute with supporting documents for evidence, have provided no call back number or email to get in touch with them. I have no visibility into how they determined that I must be responsible, as they have provided no reasoning to back their determination. 

The precise details, dates, etc of the dispute that I filed are as follows. " On XX/XX/XXXX I purchased online from XXXX a countertop coffee machine. It was delivered on XX/XX/XXXX. On or around XX/XX/XXXX I plugged in the appliance for the first time, but it would not turn on. I submitted a warranty service claim with XXXX. On XXXX, XXXX, XXXX XXXX XXXX came, examined the machine and confirmed that it would not turn on. I refused repair, since my purchase contract was for a new appliance that works. I requested replacement on the same day, however XXXX 's employee XXXX XXXX responded on XX/XX/XXXX that the request is denied and that the appliance must be serviced. I find this unfair - I paid for a new appliance and it is normal and understood that the appliance that is sold will work as advertised. '' In addition, I also filed complaints against XXXX with the California XXXX XXXX XXXX XXXX and XXXX, because I live in California and the machine was delivered there, as well as New Jersey Division of Consumer Affairs, because XXXX XXXX is incorporated in New Jersey. The CA division has notified me that this is not the type of complaints that they handle. The NJ division has delegated the complaint to XXXX County Office of Consumer Affairs in XXXX, NJ, as they have jurisdiction.

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 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

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 2024-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Purchased 5 Vanilla gift cards in XXXX of 2023. Went to use 2 of them, one for {$100.00} and another for {$200.00}. Both cards had a XXXX balance, and using their company website found they had been hacked and used at a XXXX in California. Attempted to go thru their non US based customer service on 4 different occasions and told that I would be contacted by someone and replacement cards were on there way. Have yet to receive any cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting. 
I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws. 
Thank you for your cooperation. 

Sincerely, 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms.

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting.

I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms.

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting.

I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws.

Thank you for your cooperation. 

Sincerely, 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 2024-03-29 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: OK

Complaint narrative:
I did not give consent for these inquiries and have strong reasons to believe they are fraudulent. I urge you to conduct a thorough investigation and promptly erase them 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attachedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to XXXX over the consumer?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2024 I received two separate emails from an entity named Venmo. One @ XXXX XXXX  then again @ XXXX XXXX. One email pertained to Upcoming changes to Venmo and the other is pertaining to a person named XXXX XXXX requesting {$97.00} via Venmo. Ive never used Venmo or and form of money transfer app ever. I dont know why Im receiving this most likely is a phishing scam or new XXXX phishing scam. I did not open either email but will send pics of the email from my XXXX email account and associated information of the sender for your viewing. Hopefully, you might be able to investigate these scamming emails and illegal activity thats going on. Thank you in advance for any assistance you may provide Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/year> I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: OK

Complaint narrative:
I did not give consent for these inquiries and have strong reasons to believe they are fraudulent. I urge you to conduct a thorough investigation and promptly erase them 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 non-monetary relief
Consumer complaint received 2024-03-29 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: PA

Complaint narrative:
in the transunion the account from XXXX  for {$1700.00} is not mine.

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 2024-03-29 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-03-29 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: NC

Complaint narrative:
I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, transUnion and XXXX has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.

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 2024-03-29 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: NC

Complaint narrative:
I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and equifax has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: IN

Complaint narrative:
I did not authorize these inquiries and have significant doubts about their legitimacy. I urge you to conduct a thorough investigation and promptly remove them 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