vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent Charges {$1300.00}

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 2024-05-02 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Experian to have the items fixed on XX/XX/XXXX and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 

The information about my name is not reported accurately. 

My current address is not listed accurately. 

Certain information about my date of birth is not accurate. 

I'm challenging inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm challenging inaccurate Inquiries listed below. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02 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: GA

Complaint narrative:
Subject : Dispute of Account Information I am writing to dispute the accuracy of account, reported on XXXX. XXXX, XXXX. 

I want to clarify that I did not sign any paperwork for the title of this vehicle. My wife and I acquired this vehicle through XXXX XXXX XXXX, which went out of business in XX/XX/XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$530.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession and redemption require validation. 

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 

Sincerely, 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 2024-05-02 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: GA

Complaint narrative:
Subject : Dispute of Account Information I am writing to dispute the accuracy of account, reported on XXXX. XXXX, XXXX. 

I want to clarify that I did not sign any paperwork for the title of this vehicle. My wife and I acquired this vehicle through XXXX XXXX XXXX, which went out of business in XX/XX/XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$530.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession and redemption require validation. 

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Hello, on XX/XX/year> a purchase was made on my Chase credit card that I did not make. The fraudulent charge was made on the website " XXXX ''. I notified Chase of this Fraudulent charge when I went to pay my bill in XXXX and they temporarily took it off and mailed me another card. Last week, I went to pay my bill again and noticed that it was back on my bill. I contacted them again and this time spoke with their fraud department. They basically told me that they wouldn't take the fraudulent charge off because evidently someone not only hacked my credit card but also hacked my email address as well. Whoever stole my information set up an account on XXXX where they purchased tickets. They bought tickets to an event in New Jersey I believe and the location was set up to XXXX. I have never been to either of these places and I live in Tennessee. I have had credit cards for 20 years and I have XXXX late payments. I always pay for what I purchase but I did not make this purchase and I thought it was obvious but I guess not. Please help. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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 was looking over my consumer report and found hard inquires that i do not recognize. please take these inquires off my 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 explanation
Consumer complaint received 2024-05-02 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 was looking over my consumer report and found hard inquires that i do not recognize. please take these inquires off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Charges {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I notified Capital One of a dispute with a merchant, XXXX, concerning a service that I purchased, but did not receive in accordance with the contract I signed with them on XX/XX/XXXX. The billing amount for which I sought a refund was {$750.00}. 

For reference, the contract established with XXXX, was for digital marketing for my independent small business. The total billable amount was for {$1500.00}, of which I paid {$750.00} using my Capital One credit card. The merchant did not provide the agreed upon service. I was notified by XXXX, the platform on which XXXX was contracted to provide digital marketing, that the marketer ( XXXX ) violated the terms of XXXX XXXX XXXX XXXX for XXXX XXXX. After I was unable to resolve the issue directly with the merchant, I contacted Capital One 's Customer Care team to dispute the charge. 

I have gone back-and-forth for the last few months with Capital One. I have provided details on the situation, but fear there is a lack of understanding on the intricacies of how the merchant in question failed to render the services that were agreed upon. That said, it is clear that XXXX blocked the ads and I did not receive the services for which I paid. 

On XX/XX/XXXX, Capital One sent me a letter that the dispute has been closed, citing " a limited amount of time to reverse a charge on ( a ) customer 's account ( s ) ''. This is not valid for this dispute. Again, the transaction in question was billed on XX/XX/XXXX, and I notified Capital One of the dispute on XX/XX/XXXX. Given the timing of my report to them, as well as the necessary back up that I provided, I am expecting a complete credit of this charge in the amount of {$750.00}. 

Please also note that I paid for part of the contract with XXXX with a different credit card. That card issuer, XXXX, was provided with the same details I have shared with you and already resolved the matter by issuing me a full refund. This leads me to believe that Capital One is not acting in good faith to resolve the {$750.00} dispute I have brought forward. 

On XX/XX/XXXX, I sent a fax to Capital One requesting that my case be escalated and the refund be issued. ( I havea confirmation that the fax transmission was received, but I never recevied a response from Capital One. ) I am a small business owner and struggling to make ends meet in this economy. I need help getting this situation resolved. I believe this refund should be covered under the Consumer Rights that Capital One has published.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute inaccurate items on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: AZ

Complaint narrative:
Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2023 I turned In all my equipment and XX/XX/XXXX I received a bill for XXXX, but it had No explanation of charges, so I have been asking XXXX XXXX for a itemized bill, but they refused to give it to me. then it went to collection and i been writing Online Information services for a verification of the debt specifically the XXXX bill but I was denied. Now it's showed up on my credit report. This company is fraudulently billing me after I have turned in all equipment and assume the account was closed. they are doing this for financial gain. and refuse to show the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I HAVE LATE PAYMENTS incorrectly reporting on my credit report and want them to be removed immediately, I understand that failure to investigate these accounts, within a period of thirty days will results in " NON verification " which requires that thee late payments be removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: VA

Complaint narrative:
Skrill decided to lock my account for the third time on XX/XX/year>. I was trying to use the debit card as intended by funding it and using the card to spend, but for no apparent reason, they decided to lock my account and lock {$1100.00} of my funds in there. I have submitted all the verification documents they asked for in the process, and tried reaching out multiple times to get this issue resolved, but up until today ( XX/XX/year> ), there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: PA

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-05-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
My card was stolen and my funds has been taken away. I filed a dispute on XX/XX/2024. I have submitted police report and also a letter of dispute, and requested a provisional credit be granted while an investigation is being conducted. I still haven't gotten a response.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

FAIR COLLECTIONS & OUT - 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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XXXX of XXXX they withdraw from the account they wouldn't take payments from my entire social security check.And I had sent them a cashier 's check dated XX/XX/XXXX for XXXX and they said it was not sent.I had it cancelled and another issued and sent it priority mail and they said it wasn't delivered.They cashed both cashier 's check and my XXXX. Soc.Sec. for account balance of XXXX.On the second of XXXX my card was cancelled.

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 2024-05-02 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: OH

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
On XX/XX/XXXX a call was made and According to XXXX XXXX XXXX over a conversation with my financial advisor who was on the phone. XXXX XXXXXXXX XXXX explained that the purported debt was sold off to XXXX XXXX in XXXX. However I never received any communication that a new dept collector named XXXX XXXX had purchased the purported debt that never belonged to me. This is a clear violation of section 611 of FCRA. See attachment.

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