vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 ) ( a ) 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 inaccurate.

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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MN

Complaint narrative:
Security Credit Services continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXXXXXX XXXX XXXXXXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Security Credit Services has 30 days to delete the accounts in violation before I sue for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my ChexSystems and Early Warning Services reports , which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

ChexSystems Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that ChexSystems and Early Warning Services conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records.

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID.

- A copy of my current phone bill as proof of address.

- A copy of my ChexSystems report.

- A copy of my Early Warning report.

- A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my ChexSystems and XXXX XXXX XXXX XXXX XXXX which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

ChexSystems Report : XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Report : XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX  XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX  RELATED Account # : XXXX XXXX. XXXX XXXX XXXX  RELATED Account # : XXXX XXXX. XXXX  XXXX Account # : XXXX XXXX. XXXX  XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX - XXXX Account # : XXXX XXXX. XXXX XXXX XXXX - XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that ChexSystems and XXXX XXXX XXXX conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID. 
- A copy of my current phone bill as proof of address. 
- A copy of my ChexSystems report. 
- A copy of my Early Warning report. 
- A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian for inaccurately reporting a late payment on my credit report. Despite providing official documentation from XXXX XXXX  that clearly shows a late fee for XX/XX/XXXX was waived, Experian removed the XXXX late payment but incorrectly shifted it to XX/XX/XXXX. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ) under : 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy in reporting.

15 U.S.C. 1681i ( a ) Failure to correct inaccurate information after a formal dispute.

15 U.S.C. 1681s-2 ( b ) Re-reporting inaccurate information after being notified of the error.

I have attempted to resolve this issue directly with Experian by submitting supporting documents from XXXX XXXX. However, Experian failed to fully correct the error. This inaccurate reporting continues to negatively impact my credit profile. 

I am requesting that Experian remove the late payment from XX/XX/XXXX and update my credit report to reflect the accurate status of my account as confirmed by XXXX XXXX. 

I have attached all relevant documents, including the official statement from XXXX XXXX, to support my claim. 

I appreciate your attention to this matter and request prompt resolution in accordance with the FCRA.

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 2024-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an Amex prepaid gift card with a balance of {$750.00} on XX/XX/year>. However, when I tried to use this gift card on XXXX, all transactions were declined - ranging from $ XXXX. XXXX customer service could not help. I then researched online and saw numerous identical complaints across various sites stating that Amex gift cards are nearly impossible to use online and in person. Many stated that they ultimately filed a complaint with CFPB for a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. Ive attached a identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-22 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: NJ

Complaint narrative:
Summary of Complaint : XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. 

Details of Complaint : The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on XXXX. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus. 
I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies. 
Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy. 
FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute.

CFPA ( Consumer Financial Protection Act ) : Discover 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

Attached you will find a copy of my id, a copy of my social security card, a copy of my most recent bill, a copy of my FTC complaint, a screenshot of the account removed from XXXX and the letter for Experian.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
That is to confirm remove Unauthorized Hard Inquiry made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached Letter from Creditor which they sent copy to you as they confirmed with me i have reported right away to XXXX, TRANSUNION and XXXX to place fraud alert and dispute all this unauthorized hard inquires has left on my credit due to impact my credit Ask to investigate to remove this Unauthorized hard Inquiry

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 2024-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
Caine & Weiner continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Caine & Weiner has 30 days to delete the accounts in violation before I sue for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is incorrect personal information on my EXPERIAN credit report, that was disputed on XX/XX/year>. EXPERIAN has resisted making the disputed inaccurate corrections to personal information section of their website, and EXPERIAN instead making the corrections is " parking '' this inaccurate personal information. 

This is a FCRA VIOLATION 15 U.S. Code 1679c - A person or CRA 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 inaccurate.

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. 

To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed, ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX There should only be XXXX correct address listed on my report, which is : ( XXXX south XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 


There should also be no name variations listed because my name has no variations. As stated on Experians website, i can use a copy of my current bill. Enclosed is a copy of my current insurance bill, & a copy of my Experian credit report. Make sure of the correct spelling of my name. 

Please remove inaccurate employers ( Business ) as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MO

Complaint narrative:
On XX/XX/2024 at XXXX XXXX some XXXX accent woman from Westlake Finance called and stated that my balance is one day late. It's outside of normal hours and is considered harassment in the state of XXXX  to call in weekends and before XXXX XXXX. I have spoken to a representative a day prior and explained I will make a payment on XXXX as that is my payment date. I want the company to stop harassing calls this early on on my lease of the vehicle loan from Westlake. I have also filed a complaint with Missouri Attorney Generals office because of the time of day they called. I should not be a subject to harassment of this company and this is a brand new loan and I'm getting harassed by them this early on in the loan establishment frame. Further harassment by them will result in legal action taken again Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I was offered a loan from the Avant company and ended up signing a document after speaking with an individual named XXXX XXXX XXXX XXXX XXXX ) XXXX After assuming that it was something legitimate initially because of the conversation and that the reason for requesting my bank account information was to prevent sending money to a fake account. I did not think things through as I was under stress because of my financial situation due to another issue. They had deposited fake checks into my account which got my bank account closed later since I did not know it was a fake check. Furthermore, XXXX requested that I send the money back by buying XXXX gift cards for the same amount deposited. Which I had thought it was {$150.00} initially but because it was actually {$300.00} due to them depositing XXXX different fake checks ( later found ) into XXXX of my accounts they denied sending me the supposed loan because the money returned in XXXX gift card did not match according to their " finance department '' and that XXXX had passed so despite sending in {$300.00} in XXXX gift cards I had to do it again to send the full amount. Then I was later told I needed to send in {$1200.00} because the " loan deposit '' through ACH failed and that I needed to send them the transfer fee in order to process the loan and will add it back to the money loaned. I didn't have the money, but later on, a supposed agent of theirs sent me {$1000.00} through XXXX and that I was supposed to use that to send money back to them through a 3rd party payment platform but it needed to be an additional {$200.00} from me before the transfer can begin. I did the {$1000.00} transfer by XXXX  on XXXX XXXX, but I didn't have the {$200.00} to send and eventually everything was all for naught since I the final amount wasn't complete and was told I had to send another {$400.00} to process the ACH transfer. I was under severe mental stress due to this situation and another one that also caused me to be deeper in financial debt and losing even more money now.

Company response to consumer: Closed with explanation