vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am the victim of identity theft and hacking. I recently was denied a checking account due to incorrect and false information from ChexSystems. I have disputed the information and supplied a police report and court Order stating I am a victim of identity theft. I need the fraudulent inquiries removed and deleted.

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 2024-01-05 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: CT

Complaint narrative:
Attempted to dispute three transactions with Citi. 

Merchant advertised table top board games on XXXX and I placed three orders for 17 games total. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$62.00} It turns out company is well known fraudster ( XXXX ). This name was not associated with the original website that the games were advertised on but appeared in the billing description. Within a few days, the website that was selling the items disappeared off the web. They never sent tracking numbers or invoices. 

I immediately sent in disputes to Citi documenting how this is a known fraudster and despite this being easily verified as a scam, they have denied my dispute and the appeal. 

Merchant provided Citi with fake tracking info which does not match up with 15 board games being shipped. 

Games never arrived, I'm out {$150.00} with no recourse.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On Friday XX/XX/2024 around XXXX the company refused to say given name. I entered the Experian.com web domain and entered social security number into credit website for the site to return with nothing and prompt I to enter my name manually which would void my social security number I entered with given name from XXXX authorities. The XXXX chose not to say name, withheld data, and attempted to give me another name with shortened initials.I was denied finance from website and contact with an authority to use given XXXX credit from given initials XXXX I am a US citizen and you don't have information on me.

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 2024-01-05 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: TX

Complaint narrative:
I have complained to Eqifax and field disputes with them. It has been brought to my attention that duplicate entries are on my credit report double jeopardy. I will give an example, I have a delinquent XXXX account in the amount of {$500.00}. Under XXXX on my credit report it reflects that XXXX closed the account and has written it off. Really in fact what has happened is XXXX has sold this account to a third party collection firm. XXXX XXXX there is also a delenquinant account that is the same XXXX account now under a different third party ( FRAUD )! I have contacted Exifax about this. They claim this is legal under the Fair Credit Reporting Act, there is no way this practice is ethical. It is defamation of my character when a creditor looks at my credit report they see duplicate accounts not knowing it. I suggested to Equifax that they need to fix this. This collections account should be listed under XXXX somehow not as a separate account, I have never promised to pay the third party. I would hate to think how many American citizens are unaware of this practice. This needs to be taken care of if I do not get satisfactory results from this complaint I will take this to my Congress Representative for further action. 


Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I borrowed XXXX from Uprova I will admit I did not read the fine print and once they deposited my {$1000.00} loan I was hit with owing {$4000.00}. My finance charge is XXXX. My annual percentage is 676.77 %. With 15 bi-weekly payments of {$260.00}. When I saw this contract I immediately contacted them to give the money back and they refused saying the contract was already signed and they will proceed to take the funds bi-weekly starting 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 2024-01-05 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: UT

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 explanation
Consumer complaint received 2024-01-05 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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-05 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: FL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I downloaded coinbase app from the XXXX XXXX. 
I followed all instructions. 
I lost all my saving over {$130000.00} From XXXX XXXX XXXX through XXXX XXXX XXXX I had over 100 unsuccessful conversions emails. 
When that happened I had to corresponded to coinbase customer support to be able to convert my crypto. 
I never had the problems resolved during those months. 
I felt like I was manipulated. 
In many occasions I corresponded to the customer support, but they said its because of price changes. 
I also had other issues with the coinbase platform. 
Couple times I was trying to convert my cryptocurrencies I had internet issues for no reason, also it happened few times when the platform performed weird it freezes ( bug ). 
I corresponded with different online lawyers but none took the case instead I sent a bunch of information like screenshots and emails. 
I got scammed by sending money online to a paralegal who assured me of the results. 
I need to be guided to the right direction. 
I just cant deal with the wrong people anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized information. 

Please see the copy of my dispute letter that were already sent to the involved Bureau.

I have not received any responses yet

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 2024-01-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint to EQUIFAX. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Uprova Credit, LLC
State: TN

Complaint narrative:
Hello, I received this notice about some credit company I have never heard of. I have never applied for this and this keeps happening with check cashing services all over the country. I dont know how to put a stop to it. I live paycheck to paycheck and have no money. Please help. 
Best Regards, 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 2024-01-05 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX and XXXX I was a victim of identity theft. A convicted felon had been released from prison during COVID, broke into our business offices and stole all my tax and personal information. XXXX of charges were made without my permission, accounts opened, attempts to open brokerage accounts and also infiltration of my bank accounts. Since then, I have worked with law enforcement and they have a warrant for his arrest. As to this date, I believe he has yet to be picked up. 

My insurance company, XXXX XXXX contracted a company called XXXX to assist with taking care of this. XXXX XXXX was assigned to me and assisted with many letters requesting institutions cooperate with the lawful removal of derogatory info and reinstate any lines of credit that were reduced or taken away due to credit review or usage based on inaccurate info at the time. 

All banks/companies complied, including XXXX XXXX XXXX XXXX XXXX and others- with the exception of Chase Bank . They took away the line of credit and left me with the balance to pay. 

I have tried to resolve at the branch many times, however they go through private client staff so frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXXXXXX XXXX XXXX , I hope this letter finds you well. I am writing to bring to your attention an update that needs to be reflected on my credit report with Experian. According to the latest information on my credit report, a new account has been reported by XXXX XXXX XXXX XXXX, and I appreciate your efforts in keeping my credit history accurate. 

However, there seems to be a discrepancy in the reported balance. As of the latest statement, the outstanding balance on my account is {$62.00}, but my credit report currently reflects a different figure. To ensure the accuracy of my credit information, I kindly request that you update the reported balance on my Experian credit file to accurately reflect the current status of my account. 

Here are the details for your reference : Source : Experian Company : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Balance : {$300.00} I understand that occasional discrepancies may occur, and I appreciate your prompt attention to this matter. Please update my credit file at your earliest convenience and confirm the resolution of this issue. If you require any additional information or documentation to process this request, please do not hesitate to contact me. 

Thank you for your cooperation in maintaining the accuracy of my credit information. I look forward to your prompt resolution of 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 2024-01-05 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: MN

Complaint narrative:
I looked at my report on XX/XX/23 and realized some information continues to be reported inaccurately which is a consumer law violation. I sent out a certified letter to Experian on XX/XX/23 which was my 3rd or 4th letter trying to correct these errors and personal information. I can provide all certified letters for all previous dispute letters if needed, but Experian continues to avoid fixing these errors. I've received results over the past couple months, and nothing has changed. ( Theyre breaking Federal laws ) 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

My credit report needs to be complete and 100 % accurate by law. If they are doing this to me, can you imagine all the other people going through the same violations. 


CAN YOU FIX THIS ASAP?

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 2024-01-05 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Per the Fair Credit Reporting Act this account should immediately be deleted. I never used this account as a credit account nor have I signed any agreement that rises this account to the level of a credit account by law. I never gave this company authority to use my credit consumer report to collect a debt and by law should not have accessed due to this not being a credit or loan that I signed for.

Company response to consumer: Closed with non-monetary relief