vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: SC

Complaint narrative:
On, XX/XX/XXXX I requested a copy of my credit report from all credit reporting agencies. I received my credit report from all agencies to check for any clerical errors that may have been created without my consent, only to discover TransUnion is reporting inaccurate information on my credit report. The reported names are inaccurate, addresses reported inaccurate. In XXXX of XXXX, I disputed all inaccurate information with TransUnion agency, without receiving remedy. Reporting inaccurate information is a violation of consumer rights, 15 U.S. Code 1679c - Disclosures : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

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 2024-03-06 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a bankruptcy listed in my credit reports. Sent letter to remove it off of my credit report due to it being inacurate. The court recorder /court house sent me a letter and contacted me and stated they never verify nor give out Information to any companys or credit bureaus. The credit bureau stated they verified my information on XX/XX/2024. Its a violation of FCRA to provide inaccurate information or non verifiable information. And I demand it be removed from my credit reports. Ref # XXXX bankruptcy 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 2024-03-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a bankruptcy listed in my credit reports. Sent letter to remove it off of my credit report due to it being inacurate. The court recorder /court house sent me a letter and contacted me and stated they never verify nor give out Information to any companys or credit bureaus. The credit bureau stated they verified my information on XX/XX/2024. Its a violation of FCRA to provide inaccurate information or non verifiable information. And I demand it be removed from my credit reports. Ref # XXXX bankruptcy XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT

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 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I have been in XXXX  for past XXXX  years and have not opened any new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank enrolled me in their " MyChase '' plan without my consent on XX/XX/2023. Because of this, despite expecting monthly payments around {$70.00}, they have charged me {$110.00} for three months in a row now. I have spoken to Chase about this in 3 separate months, in XXXX, XXXX, and now XXXX. I was only informed about their " MyChase '' plan today, on XX/XX/XXXX. They have assured me every single time that my payments would go down, but now I've been told it won't be. I did not consent to their plan, nor did I ever sign up for it. They insist that I signed up for it on XX/XX/2023, but I did not do this. When confronted on the phone, a supervisor hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I contacted the company to get my XXXX report but due to me having a new last name they haven't updated it at all, I explained to them that I sent in my information but it wasn't updated at all. I can't apply toanything due to this because they have no record of 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 2024-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
I was hospitalized and received a bill from the provider that was inaccurate. I pointed this out to both the original company and the collrction agency and provided proof to both of them and nothing was done.

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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I transferred funds via ACH from my XXXX XXXX  account to my Chime account. They told me that Chime had my account frozen pending verification so I verified my account with Chime and they accepted it and return the funds back to XXXX on XX/XX/2024 on XX/XX/2024 XXXX XXXX  close my account as planned but before they did, they sent the funds back to Chime There were two transfers for {$2900.00} and {$2900.00}. This money was deducted from my XXXX XXXX account. The trace ID number for this transfer is XXXX. Chime is claiming to have no record of this. This also happened back on XX/XX/XXXX for a total of 52 transactions of mounting to a little over {$2500.00}. They claimed that the funds were sent back unpaid which is untrue because youre not able to even initiate an ACH transfer on Chime or through XXXX unless the funds are there and they have the funds and they have them pending with a postdate and then they just disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX : Request for Investigation of Unauthorized Credit Inquiry I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Thank you for your assistance in this matter, XXXX XXXX Thank you for your assistance in this matter, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I noticed late payments on my XXXX credit report from Affirm in XXXX XXXX.IThen found out that my girlfriend without my permission open up a loan with Affirm in my name in XXXX of XXXX  for a XXXX purchase she used my credit card information.I contacted XXXX And Affirm about this matter to no avail.I also have proof that the purchase in question is not in my XXXX history its in her XXXX history also have proof she was making payments to affirm from her own banking account XXXX XXXX XXXX15 USC 1681e_Compliance Procedures ( a ) IDENTITY AND PURPOSES OF CREDIT USERS Every Consumer Reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing a credit report. 15 USC 1681e Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to asuure maximum posiible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC is on my credit report and I never had account with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
he personal data within these papers isn't mine

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
True accord has sent emails to my husband concerning is supposed debt that is in my name with XXXX XXXX XXXX  and XXXX This has also been reported to the three credit bureaus as a collection in my name. We have never done business with XXXX XXXX XXXX we have had service through XXXX and XXXX for the last 22 years and our payments are always automatic withdrawal and have never once in 22 years been late. I informed them that they had the wrong person and they told me unless I could verify all the information that they had on hand they could not help me. How can I verify a debt that is not mine I asked and I was told there were options to pay it off online. This is not my debt and I'm not going to pay it. I asked them to quit harassing me and to take it off my credit report and they told me that they could not do that unless I could verify all the account information that they have on file. I told them they were violating the fair debt collection and reporting act and they assured me that they had a XXXX star rating with the XXXX XXXX XXXX. This XXXX XXXX XXXX XXXX debt is not mine they're fishing and they're violating the law doing so and trying to ruin my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. 

I have no open account ( XXXX ) with any of this company : XXXX XXXX XXXX  XXXX Inquiry Date- XXXX XXXX  XXXX XXXX- Inquiry Date- XXXX XXXX XXXX Inquiry Date XXXX XXXX  XXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the addresswhich is listed on my credit report : XXXX XXXXXXXX XXXX XXXX  XXXX, Il XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Per XXXX XXXX 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished on 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 non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Viking Client Services
State: MA

Complaint narrative:
I called Viking Client Services about a {$390.00} debt to XXXX rental car. I did not know that XXXX XXXX ( secondary insurance ) and XXXX ( primary insurance ) had not paid the amount owed to XXXX XXXX XXXX, whom Viking Client Services represents. 

When speaking to the representative, he suggested that I simply pay the amount owed for XXXX specific reasons : 1 ) My primary insurance will go up if I file a claim with them to pay for these damages 2 ) My primary insurance is unlikely to pay the amount owed because they usually do not cover administrative costs of a claim 3 ) I would be reported to a credit agency and it would effect my credit As of XX/XX/year>, I also disputed the collection on their website because I tried calling several times and each time was transferred to an employee that was not available. I did not receive a confirmation by email and the dispute confirmation page shows no identifying information, if I needed to use it as proof. That further puts me at risk

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
After receiving multiple phone calls by this company starting XX/XX/23, on XXXXrequested for a validation of debt which I haven't received also they have furnished illegal inaccurate information to my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Violations of the Fair Credit Reporting Act under 15 U.S.C. 1681 for intentional failure to comply can lead to civil liability as stipulated in 616.

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.

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