vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to report fraudulent accounts on my credit report, confirmed by an identity theft report filed on identitytheft.gov. The associated banks, unable to provide records, have assured me of immediate removal. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MI

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : { XXXX XXXX XXXX XXXX XXXX Number : XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. They made it clear that they DO NOT REPORT TO TRANSUNION, XXXX, XXXX or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a LIE. Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to report fraudulent accounts on my credit report, confirmed by an identity theft report filed on identitytheft.gov. The associated banks, unable to provide records, have assured me of immediate removal. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for a XXXX XXXX monthly installment plan for a XXXX XXXX purchase of {$210.00} on XX/XX/2024. Despite having an established XXXX account and frequently using their pay in XXXX payments and monthly payment plans, I was denied for this purchase for serious delinquency from information provided by Equifax Credit. After the denial, I accessed my Equifax online account and could not find any evidence of any serious delinquency in my credit report. I attempted to file an online dispute with Equifax regarding the alleged serious delinquency but it was impossible to submit any such dispute because no installment account or revolving account on my credit report with Equifax that I currently have or have had at any time in the past shows any such delinquency. The negative information provided by Equifax to XXXX XXXX in the crssir decision does not allow me to refute any false statements of serious delinquency through their online dispute process and offers me no due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXXXXXX Balance XXXX : {$13000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: OneMain Finance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX I noticed a fraudulent transaction in the amount of {$100.00} on my XXXX XXXX XXXX XXXX for an unauthorized transaction that was made to XXXX XXXX XXXX, on or around XX/XX/XXXX,, I also realized the card had been lost and most likely stolen when I couldn't find it on my person and remembering the circumstances surrounding the last time I had it,, I immediately reported it stolen on XX/XX/XXXX threw the automated system,, on XX/XX/XXXX at XXXX I spoke with a live representative that stated the {$100.00} charge could not be disputed until it post,, on XX/XX/XXXX at XXXX I noticed that my available credit was still {$1800.00}, ,which is still {$100.00} less than the {$2000.00} that it's suppose to be, I also noticed that the fraudulent transaction to XXXX XXXX was no longer appearing on the transaction activity, the representative I spoke with stated it was still in the pending status, ,I told her how??!! It's not even appearing on the transaction history anymore,, at this point I requested to speak with a manager, ,she refuse to do so and transfered me back to the main menu,, I than called back to speak with a manager and was refused again by a representative at or around XXXX on XX/XX/XXXX due to the nature associated with both representatives I've come to the conclusion that they refused to honor my request to speak with a manager because they are the type of XXXXXXXX XXXX XXXX, one sounding to be of XXXX  origin,, both refused my request to speak with management, ,especially the representative I spoke with on XX/XX/XXXX at XXXX, ,stereotype me as a low - income and unknowledgeable XXXX XXXX XXXX ,had I been a XXXX XXXX XXXX XXXX XXXX  I realize that my request to speak with management wouldn't have been refused at all,, further more when I made mention of my knowing of the CFPB to the representative I spoke with on XX/XX/XXXX at XXXX she laughed and giggled, ,which was an indication that the entire matter concerning myself was of no concern,, after this matter is resolved I will close the account to avoide having to interact with XXXX females whom feel as if you are an XXXX XXXX XXXX XXXX XXXX XXXX,, they have no obligation to honor simple request associated with an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items associated with my account. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$340.00} 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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Hello, I'm experiencing identify theft activities. I first found out was back in XX/XX/2023 but I believe it started happening in XXXX and XX/XX/2023. I found out because I received an email notification from XXXX XXXX that I have several inquires request on my credit report and then starting to receive huge amount of letters mail to my home indicating I have applied credit cards, auto loans accounts with different companies. Luckily no fraud credit card accounts has been opened approved. I also received an auto loan insurance billing invoice from Westlake Financial Service to me and a dealership letter from XXXX XXXX that I purchase a vehicle. Those were not authorized by me. Thank You 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 2024-01-31 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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to address the presence of fraudulent accounts on my credit report, confirmed through an identity theft report. I have spoken with the associated banks, and they have acknowledged the validity of the identity theft report. Over the phone, they assured me of the immediate removal of the fraudulent accounts. 
Affected Accounts : XXXX XXXX XXXXXXXX

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 2024-01-31 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: CA

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address the presence of fraudulent accounts on my credit report, confirmed through an identity theft report. I have spoken with the associated banks, and they have acknowledged the validity of the identity theft report. Over the phone, they assured me of the immediate removal of the fraudulent accounts. 
Affected Accounts : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Prepaid card — Gift 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 bought An American Express Gift Card for my girlfriend to use for a back up plan as she is homeless currently. She was not able to eat due to devlined purchsed everywhere she tryed to use it, even swiping in-store. shw went hungry for 3 days as a result of ME TRUSTING AMERICAN EXPRESS XXXX XXXX  ADVERTISMENT SAYING THE CARD IS NOW EASIER THEN EVER TO USE AT MORE PLACES THAN EVER. THEY MUST NOT HAVE BEEN EXCEPTED ANYWHERE IN THE UNITED STATES AND ONLINE BEFORE THIS, BECAUSE NOTHING EXCEPTS IT> IT SOMTIMES SAYS CARD INVALID, CALL CUSTOMER SERVICE> AND THAT LEADS TO AN HOUR OF XXXX LISTENING TO SOME RUDE SNARKY WOMAN TALK DOWN AT ME TELLING ME THEY ARENT ACCEPTED ANYMORE ONLINE DUE TO SECURITY REASONS, BUT THEY KEEP ROBBING ME OF XXXX XXXX EACH TIME I TRY TO USE THE DAMNED THING> SCAM!!! SCAM!! THEY ARE NO BETTER THAN THE XXXX XXXX XXXX XXXX SCAMMERS FROM XXXX LYING, MANIPULATING STEALING MONEY FROM UNSUSPECTING PEOPLE. SHAME ON YOUR FLY BY NIGHT GARBAGE SCAM TANK OF SHARKS> YOU ARE ALL EVIL AND VERY UNAMERICAN>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TN

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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