vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: AZ

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and overall financial well-being, and my numerous efforts to rectify this situation have yet to yield a satisfactory resolution. 

The following issues persist on my credit report despite my repeated efforts : I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent accounts and transactions on my credit report. I have diligently reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required by law. Despite my numerous attempts to rectify these errors, these fraudulent items continue to tarnish my credit history. 

I have submitted multiple dispute letters to the credit bureaus, providing detailed information on the fraudulent nature of these entries and furnishing all the necessary supporting evidence to substantiate my claims. Unfortunately, the response from the credit bureaus has been inadequate, and the fraudulent items remain on my credit report. 

I understand the vital importance of accurate credit reporting and am committed to restoring my financial integrity. It is imperative that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. Furthermore, I request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud 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 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 2023-10-30 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-10-30 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 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 2023-10-30 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: FL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30 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: FL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX  XXXX  account when the dispute resulted completed on XX/XX/XXXXXXXX  they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXXXXXX  I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXXXXXX  with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXXXXXX  to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXX..XXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX  and TRANSUNION

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 2023-10-30 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I call XXXX, XXXX and TransUnion credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I call XXXX, Equifax and XXXX credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: OR

Complaint narrative:
I purchased a {$500.00} visa gift card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$500.00} ( {$500.00} for the gift cad, and a {$5.00} activation fee ). THe gift card had {$0.00} funds on it. I attempted, over the course of several months and at least 10 phone calls, to resolve the issue with XXXX ( who issues the gift card ). They never provided a replacement card with funds on it. I disputed the transaction on my credit card. CITI labeled it as " did not receive a service '' and requested documentation from me. I sent them documentation explaining that it was a gift card that was sold to me with {$0.00} in funds on it. I included pictures showing the defective card ( which had paper over the barcode, which is what made it unusable ). CITI closed the dispute and claimed I did not " prove '' I never received the service and that I had not responded to their requests. I attempted to reopen the dispute, and they did the same thing again. THey have not specified what documents they woudl need -- I was sold a product, but was never give that product. To continue to bill me for this is 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
XXXX XX/XX/2023 MY TAX REFUND WAS DEPOSITED INTO MY CHIME ACCOUNT FOR THE AMOUNT {$25000.00} IMMEDIATELY THEY LOCKED MY ACCOUNT AND FROZE MY FUNDS I CALLED AND EMAILED THEM AND THEY REQUESTED THAT I SEND DOCUMENTS TO THEM VERIFYING MY TAX REFUND. I SENT THEM EVERYTHING THEY REQUESTED, INCLUDING MY ID, MY TAX TRANSCRIPTS, PROOF OF MY MAILING ADDRESS, AND THE RECEIPT FROM TAX PREPARATION. I SENT SEVERAL EMAILS AFTER THIS TO VERIFY THAT THEY RECEIVED EVERYTHING AND THEY HAVE NOT RESPONDED. THEY REFUSE TO UNLOCK MY ACCOUNT, OR SEND MY FUNDS TO ME IN THE FORM OF A CHECK, THEY ALSO REFUSE TO SEND MY MONEY BACK TO THE BANK THAT DEPOSITED MY FUNDS IN THE FIRST PLACE. I CONTACTED THE XXXX  TO FILE A COMPLAINT AGAINST THIS COMPANY AND THEY DENIED RECEIVING THE PAPERWORK I SENT THRU THEIR SECURE WEBSITE AND REFUSED TO REFUND MY FUNDS OR PROVIDE ANY TYPE OF SOLUTION. THEY ARE SIMPLY KEEPING MY MONEY IN THEIR ACCOUNT WHICH IS STEALING. IT IS MY UNDERSTANDING THAT XXXX XXXX  XXXX OR XXXX XXXX, XXXX IS IN CHARGE OF REGULATING CHIME. PLEASE SEND ME MY MONEY IN THE FORM OF A CHECK OR RETURN MY FUNDS TO THE BANK THAT DEPOSITED MY FUNDS INTO THE CHIME ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: OH

Complaint narrative:
I have XXXX inquiries on my report and none of them are mine. I was already a victim of identity theft, froze my report, or so I thought but my report was never frozen/locked. I believe this is identy theft again due to the negligent practices of the current reporting agency

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 2023-10-30 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: NY

Complaint narrative:
XXXX XXXX  HAS BEEN TAKING ADVANTAGE OF MY CREDIT. XXXX XXXX HAS FALSELY REPORTED INCORRECT INFORMATION ON MY ACCOUNT REGARDING PAYMENT STATUS IN AGREEMENT TO WHAT WAS DISCUSSED VIA PHONE. XXXX XXXX HAS BEEN NOTIFIED UPON SEVERAL ATTEMPTS TO REMEDY THE SITUATION AND HAS RESULTED IN NEGELECTING TO CHANGE THE INFORMATION TO SOLIDIFY THE CORRECT INFORMATION. XXXX XXXX HAS DOCUMENTED ON ACCOUNT 2 LATE PAYMENTS TO OCCUR IN THE MONTHS OF XXXX XXXX XXXX XXXX WHICH IS INCORRECT DUE TO THE NULLIFICATION OF CREDIT STATUS PENDING DISPUTE OBLIGATIONS AS PER THE AGREEMENT. XXXX XXXX HAS ALSO BEEN AS BIAS AS TO REJECT MY APPLICATION FOR CREDIT INCREASE GIVEN THE FACT MY PAYMENT HISTORY IS MAGNIFICENT OTHERWISE BUT WISHES TO RECUSE ME OF ANY BENEFITS CONSIDERED. AFTER PROVIDING REFERALS WITH NO CONSIDERABLE ACCREDIDATION OR AFRIMATIVE REWARD XXXX XXXX HAS ILLICITLY BEEN DISPARAGING MY CREDITWORTHINESS AND HAS BEEN BADGERING MY WORTH CONSIDERABLY WITH INCORRECT REPORTING AND DENYAL OF BENIFITS. XXXX XXXX FAILS TO MAINTAIN UPDATED CREDIT REPORTING STATUS ON APP AS WELL AS FAILURE TO APPLY EXPRESS PAYMENT BENEFITS TO ACCOUNT IN TIMELY MANOR AND THIS AFTER RECEIVING PAYMENT IN FULL FOR A SERVICE NOT RENDERED AS EQUIVALENT AS PER STATED.

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 2023-10-30 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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$0.00}

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 2023-10-30 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A XXXX free night award certificate that American Express has promised would be deposited into my account has disappeared from my account. 

On XX/XX/XXXX, I filed a CFPB complaint # XXXX against American Express because a hotel certificate that should come with my XXXX XXXX XXXXXXXX American Express Card disappeared from my account after I contacted customer service. On XX/XX/XXXX, American Express responded that a free night reward certificate with a redemption level at or under XXXX XXXX XXXX points has been deposited into my account with an expiration date of XX/XX/XXXX. However, this free night reward certificate once again has disappeared from my account when I am ready to use it.

Company response to consumer: Closed with explanation