vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
I am following up on my initial complaint against Experian regarding the unexplained XXXX reduction in my credit score ( Complaint ID : XXXX ). Despite filing a formal dispute with Experian, they responded with the message : ITEM ALREADY MATCHES THE DISPUTE REQUEST. This response is vague, dismissive, and does not address my concerns about why my score dropped from XXXX to XXXX despite no negative activity being reported. 

The score reduction appears to stem from a Positive Activity : Loan Paid update from XXXX XXXX, which does not justify such a significant decrease. Furthermore : XXXX XXXX confirmed the loan was paid in full and reported positively. 
Experians handling of this matter lacks transparency and accountability. 
Their dispute resolution process has failed to provide me with a meaningful explanation or resolution. 

I respectfully request that the CFPB demand a thorough investigation from Experian to : 1. Explain why a XXXX reduction occurred despite no negative credit events. 
2. Verify that the scoring model applied to my file aligns with accurate and complete data.

3. Provide documentation detailing how this score change was calculated. 

Thank you for your attention to this matter. I hope the CFPB can hold Experian accountable for ensuring accurate credit reporting.

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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MS

Complaint narrative:
On XXXX I called and spoke to a representative at Cashapp to dispute a claim against XXXX XXXX. I received a request for documentation which I uploaded to Cashapp via the app. I was told by XXXX that I would be issued a refund in lieu of my order being delivered late. When I called XXXX to request the refund, I was told that I could not receive it because the representatives that promised the refund did not tell me the right information. So, I tried to dispute the claim with the written documentation from XXXX which promised the refund. Cashapp denied the claim but failed to alert me of the decision or any information until I asked 10 days later. When I received the denial documentation all the facts of the claim were false and the documentation I submitted was not included

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX previously reported on XXXX in XXXX and XXXX of XXXX as a charge off in XXXX, which also currently shows in Experian and XXXX. It now shows as a brand new charge off for XXXX for the same exact account that was previously written off, which means IRS fraud and the reporting is not accurate.

15 USC 1692 ( c ) - False statement and representation.

Violation Consumer Fair Reporting Act Violation of Fair Trade Commission Violation of National Credit Union Administration

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 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to add my name to the list for the Wells Fargo settlement lawsuit. I had an auto loan with Wells Fargo starting in 2009 for a 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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent transactions that were debited from my Citibank account ending in XXXX. I am a victim of identity theft, and these unauthorized transactions resulted from this crime. Despite my efforts to resolve this matter, Citibank has not taken appropriate action to investigate the fraudulent charges or recover the funds stolen from my account.

I previously submitted a dispute to Citibank and spoke with several representatives who initially seemed willing to assist in resolving this issue. However, Citibank later denied the claim without providing any update or reason for the denial. The funds stolen from my account were never returned, and I have been left without any clear resolution. This situation has been extremely frustrating, stressful, and difficult, especially given that I need the funds in my account to cover essential medical bills.

Moreover, when I called Citibank to inquire about the status of my dispute, the representative became rude and was unable to provide any meaningful information regarding my claim. I believe Citibank has failed to take the necessary steps to properly investigate this matter and recover the stolen funds. As part of my efforts to resolve this, I have filed an official FTC Report with the Federal Trade Commission for identity theft, which includes the fraudulent transactions.

Below are the items in question that were fraudulently charged to my Citibank account : XX/XX/year> XXXX : {$74.00} XX/XX/year> XXXX XXXX  : {$380.00} XX/XX/year> XXXX XXXX : {$220.00} XX/XX/year> XXXX : {$57.00} XX/XX/year> XXXX XXXX : {$250.00} XX/XX/year>XXXX XXXX XXXX XXXX {$250.00} XX/XX/year> XXXXXXXX XXXX XXXXXXXX : {$50.00} XX/XX/year>XXXX XXXX XXXX XXXX {$270.00} XX/XX/year> XXXX XXXX XXXXXXXX : {$56.00} The total amount of fraudulent charges is {$1600.00}, which has caused a significant financial burden, especially as I need these funds to cover my medical bills. I request that Citibank immediately re-investigate these transactions as fraudulent and recover the stolen funds from my account. This entire ordeal has added unnecessary financial strain and stress to an already difficult situation.

It is unacceptable that Citibank has not taken proper measures to address this issue. I trust that the Consumer Financial Protection Bureau will assist in ensuring Citibank complies with all necessary regulations to resolve this matter fairly and promptly.

Identifying Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Account Number : Ending in XXXX Date of Birth : 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 monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XXXX I stayed at the Wyndham XXXX XXXX in Florida. On XX/XX/year>, I was asked if I wanted a Wyndham Rewards Card. I said " no '' and thought that was the end of the interaction with the staff member. 

When I returned from my trip, I found a letter from Barclay 's explaining that my application for the Wyndham Rewards Card was denied.

I did not apply for a Wyndham Rewards Card. I did not want to apply for a Wyndham Rewards Card. Someone on the staff at the Wyndham XXXX XXXX resort took my information and applied for a credit card without my authorization and without my knowledge. 

This is unacceptable. 

I am now trying to remove this from my credit reports, and having difficulty as no one at XXXX, XXXX, nor XXXX believe me that I did not apply for a credit card, but I didn't! 

Isn't this illegal? 

We are trying to repair our credit in order to buy a house and now I have this unauthorized hard credit inquiry on my report for two years because Wyndham and Barclays are forcing staff to push credit cards on guests and when they say no, they just apply for credit cards to boost their metrics anyway. 

Please help. Thank you.

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 2024-12-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-15 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: I.C. System, Inc.
State: NC

Complaint narrative:
I am submitting this complaint because XXXX debt collection agencies, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, & I C SYSTEM at XXXX XXXX XXXX XXXX XXXX, MN XXXX are reporting the same alleged debt on my credit report. This is causing undue harm to my c

redit score and financial reputation. I have no contract, agreement, or business relationship with either agency, and neither agency has provided lawful validation of this debt despite my requests.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of any alleged debt, and both agencies are legally obligated to cease collection activities, including reporting to credit bureaus, until they provide sufficient proof of the debt. Despite these requirements, both agencies continue to report this debt without validation. Additionally, this duplicate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information, such as debt collectors, must ensure the accuracy of the information they report. The failure to verify or correct duplicate reporting constitutes an actionable violation of federal law. Furthermore, under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), inaccurate or misleading reporting that harms a consumers credit standing is a concrete injury. Both agencies actions have directly caused harm to my credit reputation, subjected me to potential denials of credit, and created unnecessary stress. " Congress plainly sought to curb the dissemination of false information by adopting procedures designed to decrease that risk. [ A ] XXXX intangible harm, such as the risk of dissemination of inaccurate information, can satisfy the requirement of concreteness under XXXX XXXX. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). " The mere presence of an inaccuracy in an internal credit file, if it is not disclosed to a third party, does not amount to a concrete harm. However, the risk of dissemination of inaccurate information and actual disclosure can result in reputational harm that is cognizable. '' 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 2024-12-15 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:
I would like these account remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES XXXX ( Bank ) I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

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 2024-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
This company will continually call me during work, every SINGLE DAY & leave voicemails. I work banker hours & days with a high demanding job that requires my full attention which requires me not to be on a phone & they dont take that into consideration that normal people work those hours. They have also sent me a text after not answering a call & have also created numerous other numbers after I blocked their number to call me AGAIN daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX  - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX XXXX Account XXXX : XXXX INQURIES XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

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 2024-12-15 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: PA

Complaint narrative:
SEE ATTACHED FOR LETTER TO EXPERIAN IN REGARD TO INACCURATE LATE PAYMENT WITH 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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I decided to review my credit report. Generally it appeared to be in order. but what I saw was that one of my XXXX XXXX accounts was unlocked and my XXXX XXXX XXXX  account also unlocked after several atempts to lock them. I was contacted by a representative from XXXX XXXX as! was concerned about leak information or fraudulent attempts that could happen. I was told by XXXX XXXX that my account was frozen. However, I wanted to know why two accounts which under the names of the account is written in green " Access granted '', while the remaing ( 3 ) accounts displayed " Access blocked '' ( which was what I requested. I attempted to contact Experian on three occassion with the XXXX representative on the other line. All we got for awhile was the automated system, which of course had NO options relating to my issue. I received noticed that my social security was on the XXXX XXXX as well. I sent three ( 3 ) emails to Experian, but was told they were only going to automated system. I have made calls to no avail unable to get a phone number to speak to a human. I don't exactly know how this affects my credit with " access granted ''. I get no answer and just want to know WHY when I definitely locked these two accounts ) they remain accessible. Secondly, there is documentation that I have an account with XXXXXXXX XXXX! I DO NOT HAVE AN ACCOUNT WITH MACYS. When I applied for this account ( XXXX XXXX ) mid XXXX, my accounts were frozen, and I was told I can unfreeze. I didn't bother. I do not have an account to XXXX so why is it on my credit listings. This too I am just noticing it. It is blocked and can't be unlocked! I am somewhat XXXX now regarding this complaint in that at first it did not accept my instituting a new password and I believe my privacy for CFPB has been violated ( I have email prviacy address ), and I believe two accounts for CFPB has been created! 
Becaue I can't reach a human being, I am rquesting a written response to my concerns regarding mention of XXXX XXXX ( which I have NO account ) and why two accounts XXXX  XXXX ( I can't tell if it's my XXXX  account or XXXX ) but I am unable to access I tried to file a disupte and the approprate page would not show up XXXX my computer ( another concern ). So I am prevented from filing a dispute ( I will continue to try ) However I did apply for XXXX XXXX mid XXXX and told my credit report was frozen, so why is XXXXXXXX XXXX showing as a account on Experian report. As the federal Fair Credit reporting ( FRA ) promotes accuracy, I would like to have same for my reporting 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 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unauthorized and unrecognizable hard inquiries on my report from companies that I never gave consent to run my credit.The inquires thats unrecognizable and unauthorized happened on XXXX XXXX and XXXX XXXXFour companies did it on XXXX XXXX and one company did it 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
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
I have unauthorized and unrecognizable hard inquiries on my report from companies that I never gave consent to run my credit.The inquires thats unrecognizable and unauthorized happened on XXXX XXXX and XXXX XXXXFour companies did it on XXXX XXXX and one company did it on XXXX XXXX.

Company response to consumer: Closed with explanation