vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 explanation
Consumer complaint received 2024-03-04 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: WI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-03-04 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: WI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : 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 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : 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 explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 explanation
Consumer complaint received 2024-03-04 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: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
A fraudulent charge was made on various credit cards XX/XX/22 after my wallet was stolen. A masked man was seen in video surveillance at XXXX XXXX buying around XXXX dollars of gift cards. A police report was filed and video surveillance showed this within one hour of the incident. All credit card companies were called, refunds were made by all credit card companies but Citibank for {$4100.00}. There is a police report. Citibank still will not refund my money

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 2024-03-04 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: MA

Complaint narrative:
I hope this email finds you well. I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my account. Despite numerous attempts to address this issue, I have not seen any meaningful progress in removing these fraudulent items from my account. 

As a loyal customer, I trust your company to maintain the integrity and security of my account. However, the presence of fraudulent items not only undermines this trust but also poses a significant risk to my financial well-being. 

I have taken all necessary steps to report these fraudulent items, providing detailed information and supporting evidence. However, the lack of action on your part to promptly investigate and remove these items is unacceptable. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will force me to explore other options to protect my account and financial interests. I trust that you understand the urgency of this matter and will take immediate action to rectify the situation. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 2024-03-04 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: MA

Complaint narrative:
I hope this email finds you well. I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my account. Despite numerous attempts to address this issue, I have not seen any meaningful progress in removing these fraudulent items from my account. 

As a loyal customer, I trust your company to maintain the integrity and security of my account. However, the presence of fraudulent items not only undermines this trust but also poses a significant risk to my financial well-being. 

I have taken all necessary steps to report these fraudulent items, providing detailed information and supporting evidence. However, the lack of action on your part to promptly investigate and remove these items is unacceptable. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will force me to explore other options to protect my account and financial interests. I trust that you understand the urgency of this matter and will take immediate action to rectify the situation. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
To Whom It May Concern : At XXXX XXXX on Friday XX/XX/XXXX, I received a notification from PayPal that autopay was used on my account in the amount of {$100.00} from XXXX XXXX XXXX XXXX XXXX. I immediately reported the transaction as unauthorized and fraudulent. I purchased from the vendor in the past, but only on a limited and individual basis without ever authorizing autopay or automatic orders. This is confirmed after reviewing previous orders and transaction history ( prior purchase in XXXX was for XXXX ). I didnt even have an account that could be accessed within the vendors store front until the notification. After looking at online history at the site, I have no receipts or transactions in which autopay or subscription was used or authorized. Further, the vendor sent an email to my account at XXXXXXXX XXXX falsely stating that I forgot something at checkout. This is false because I had no account, nothing has been purchased for over a year, no subscriptions or autopay were authorized, and nothing was in checkout on the site. The fact is that the vendor enabled autopay on an unauthorized transaction based on purchase history without my consent. Research shows there is a strong trend of increasing fraudulent transactions made by this vendor against consumers who have merely purchased from them before, evidenced by the XXXX, a reputable institution : XXXX  : XXXX XXXX. A stop payment and fraud escalation has been requested with my bank and PayPal. XXXX has been notified of a rejected shipment. The case has been reported to XXXX XXXX ( report XXXX ), and the Offices of the State Attorneys General of CA and VA. 
PayPal has immediately closed the claim and refused action without any acknowledgment of the facts. The seemingly automated and algorithmic response from PayPal comes as a complete and very disappointing surprise after having been a loyal paying customer for nearly 25 years.The reply from PayPal below also appears to be part of the problem in which vendors are now aware that they can fraudulently enable autopay on previous consumers without their authorization, any ramifications, or proper fraud protection. Additionally, I am contacting my Congressmans office to inform him of the increasing need to hold PayPal and its executive management accountable for fraud prevention and consumer security when their lacking care, concern and controls to protect customers are are at the heart of the matter. Thank you for your excellent support, as always. Your time is very much appreciated. Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm disappointed by your failure to remove fraudulent accounts from my credit report despite confirmation of identity theft and assurance from the associated bank. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This violates the Fair Credit Reporting Act. I demand the immediate deletion of the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: SC

Complaint narrative:
I called and spoke with a representative on XX/XX/2024 and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/2024. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.

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 2024-03-04 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: SC

Complaint narrative:
I called and spoke with a representative on XX/XX/2024 and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/2024. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: SC

Complaint narrative:
I called and spoke with a representative on XX/XX/2024 and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/2024. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.

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 2024-03-04 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: AZ

Complaint narrative:
On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( XXXX, TransUnion, XXXX ). I requested written confirmation of the removal, and It seems only XXXX has responded with this information as being " Updated '' and the other two have yet to respond.

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on TransUnion website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.

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 2024-03-04 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: AZ

Complaint narrative:
On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( Experian, XXXX, XXXX ). I requested written confirmation of the removal, and It seems only XXXX has responded with this information as being " Updated '' and the other two have yet to respond.

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on XXXX website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.

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 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation