vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I have some inaccurate names addresses phone numbers on my credit report years back I was XXXX  for XXXX  in my name from identity theft I was detained out of XXXX XXXX XXXX  was done my social and ID were being used Im still seeing my social security on a dark web I made an identify report with law I need these inaccurate information please assistance is needed in removing this inaccurate information Thankyou

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 2024-05-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-02 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: SC

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On [ XX/XX/year> @ XXXX PM ], I initiated a transfer of {$120.00} on accident from my XXXX spend acct to my XXXX XXXX balance. I immediately recognized I had sent {$120.00} instead of the {$1.00}. XXXX I had meant to send, so I immediately initiated an instant transfer to my XXXX XXXX XXXX XXXX spend account via my saved/linked debit card-which Ive done multiple Times and never had an issue with, within a few days of this happening. -so Instant transfer was for XXXX @ XXXX PM- XXXX XXXX says success - it briefly popped up as pending on my XXXX spend acct - so I thought maybe it would just take a min-system is slow or whatever-checked again and the pending XXXX was gone- never deposited into my acct- I also did another transfer from cash app to my XXXX spend account for XXXX $ @ XXXX pm just to see if it would go thru, which it did, no problem.. Looking at my statement from XXXX spend acct you will see they tried to put that amount in but its all out of Order so luckily, I have all my emails and screen shots and XXXX XXXX invoices/chats/etc. ; to prove the timeline. As you will see below in screen shots, I Have initiated chat with XXXX agents multiple Times- Those are Only XXXX or XXXX of the about XXXX chats. Im told a dispute is open then Im told they cant open one then one time a female agent just needs my ssn and email to check on dispute. Then said she can't do anything and directed me to XXXX number, which once again i explained due to hearing XXXX i was unable to call., ,When I asked to speak to her manager, she ended the chat immediately ... Its now XXXX plus days that my money went missing in credit karma spend acct and this is NOT ok. Unprofessional, fraudulent & cash app as you will also see has even sent their end where it says the XXXX XXXX received it and gave a tracing number & acquire # that no one at credit karma seems to be able to work let alone answer or explain where my money disappeared to... I have attached the relevant transaction confirmation screenshots, chats, inquiries, disputes, emails, and bank statements for your reference. While XXXX XXXX has been responsive and willing to investigate, it appears that the issue lies with Credit Karma Bank, as they have not properly credited the funds to my account.Ive sent multiple requests, emails, and 3 days ago had a final demand letter drafted giving them an additional 3 days to fix this situation to which they once again refuse ... XXXX XXXX XXXX  INVESTIGATION TEAM SHOWING TRACE/ACQUIRE NUMBERS TO SHOW THE MONEY SENT FROM THEM WAS INDEED RECIEVED, AND ALSO BY YOUR OWN EMPLOYEES EMAIL AND MY MONTHLY BANK STATEMENTS PROOF OF FRAUDULENTLY KEEPING MY FUNDS/INACCURATE RECORDS, AND FINANCIAL STATEMENTS/FALSE CLAIMS OF THE WRONG Information STATING INSENT OUT THE MONEY BUT NEVER RECIEVED ANY Back WHICH IS THE EXACT OPPOSITE OF WHAT YOUR OWN RECORDS SHOW ... .THE LIST OF PROOF COULD KEEP ON

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I told them that I could only make a little of payments of. Month I fall behind due too not having a job

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was repeatedly called by Portfolio recovery over XXXX times in a 10 year period for a debt that hadnt been on my credit report for at least that long. I asked for them to stop on multiple occasions which they did not. 
They never sent me anything in writing notifying me of what the debt was but refused to speak to me the first several times without reading a full disclaimer saying this is an attempt to collect a debt and any information we get from you will be used to collect that debt. There was no legal debt. They used this to intimidate and proceed with threats. 

The debt no longer existed by the time PR got it. They bought it after its removal from my credit report and continued to call me not just multiple times a day but multiple times a week. Their purchase is not my problem nor responsibility. 

They will say they have stopped calling and that is a completely unacceptable response. They stopped because I took action and would not have stopped otherwise. The damage is done and they need to be held accountable. 
This was made illegal in NY to after 2022. They continued well after that. 
They called XXXX times. I am contacting the AG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: WI

Complaint narrative:
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: VA

Complaint narrative:
I have mailed a dispute to Experian, USPS TrackingXXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailingattachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered.I have been disputing account ( XXXX ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directlyby you or to be authorized by you. As a precautionary measure, we have not taken any action on your allegedrequest. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item ofinformation contained in a consumer 's file at a national consumer credit reporting company is disputed by theconsumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate freeof charge. '' The account ( XXXX ) below are reporting inaccurate according to the XXXX XXXX XXXX XXXX. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( 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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
ChexSystems XXXXXXXX XXXX XXXXXXXX Acct. # : XXXX These Companies is Violating my Rights. 

I XXXX have requested to view my Chexsystem report and Noitce that there are an account that dont belong to me and will like it to be removed due to the FCRA rules and U.S. Laws.

15 U.S.C 1681 B 2 15 U.S.C 1682 S 2 A1

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have sent this company a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not bonded, licensed or insured to collect in the state of ( list your state here ). Please have this company cease all collection activities. This is my last attempt to complain outside of court. My next proper and lawful steps are to intend to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This marks my numerous request, addressing my status as a victim of identity theft. I am writing to dispute specific items in my file that have arisen from this crime. The disputed items are not associated with any transactions that I have initiated or authorized, nor do they pertain to any goods, services, or financial transactions that I have undertaken. I request the removal of any information from my credit file that stems from this alleged identity theft. 
These items are unfamiliar to me, and I am particularly concerned about discrepancies in the information provided. Some of the details have been removed from other credit bureaus ' reports, which raises doubts about their accuracy. Additionally, there are inconsistencies in the reported information on certain items. 
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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This marks my numerous request, addressing my status as a victim of identity theft. I am writing to dispute specific items in my file that have arisen from this crime. The disputed items are not associated with any transactions that I have initiated or authorized, nor do they pertain to any goods, services, or financial transactions that I have undertaken. I request the removal of any information from my credit file that stems from this alleged identity theft. 
These items are unfamiliar to me, and I am particularly concerned about discrepancies in the information provided. Some of the details have been removed from other credit bureaus ' reports, which raises doubts about their accuracy. Additionally, there are inconsistencies in the reported information on certain items. 
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 2024-05-02 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: NJ

Complaint narrative:
I am writing to inform you of a serious issue regarding my credit report. Upon reviewing my credit reports from [ Name of Credit Bureaus ], I discovered evidence of identity theft. It has come to my attention that unauthorized accounts have been opened under my name without my knowledge or consent. 

I understand that under the FCRA, you have 30 days to complete this investigation and provide me with a response. Additionally, I urge you to place a fraud alert on my credit reports to prevent further unauthorized activity. 

The following unauthorized accounts have been reported : 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 2024-05-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-02 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: SC

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX

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 2024-05-02 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: NY

Complaint narrative:
Citibank is blatantly disregarding the terms of their own card agreement and practicing corrupt behavior as well as breaking the federal fair credit act. They are legally bound to the card agreement we agreed to upon card application but they have disobeyed the terms. 
A merchant has charged me for services they did NOT provide. I complained to Citi, the credit card provider, and to the merchant as well. The merchant agreed to credit me for lack of services. That refund never posted because Citi temporarily credited me for that complaint and at the time of the refund disbursement from the merchant the credit from Citi was still in effect. However, Citi subsequently rebilled my account stating they needed a credit slip from the merchant. I promptly submitted the credit slip where the merchant agreed to refund me but despite Citis promise in WRITING to credit me upon proof of the credit slip from the merchant they disobeyed their agreement and refused to credit me. Again the money is in Citibanks hands because they are the ones that billed me. Despite their written promise Citi outright disobeyed their own promise and completely reneged on their own terms of our card agreement. Whats worse is they simply ignore me and refuse to even dispute the charge. This rotten bank is taking blatant advantage of minority consumers they deem have no power against their big corporation.

This corruption and abuse of consumers must be investigated. Big banks can not continue to take advantage of minority consumers. I have a written agreement from the merchant promising the refund yet Citi refuses to return my own money and continues to bill me this amount. 
Please investigate and promptly refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This company supplied information in the last complaint that clearly showed fraud. How was I in XXXX and XXXX at the same time? Also the first debt shows it was paid by credit card and the account had no balance now all of sudden there is a balance?? Secondly I havent lived in XXXX since 2022 so that application is clearly fraudulent. I dont have to show a police report per the law for XXXX my FTC report will suffice. Im attaching the move out statement you supplied. How can a credit card be an NSF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief