vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
I am submitting this dispute to address inaccuracies on my credit report. I am not working with any credit repair company ; my goal is simply to correct incorrect information. Below are the accounts I want investigated for violations under the Fair Credit Reporting Act ( FCRA ) : XXXXXXXX XXXX ( Account Number : XXXX  ) This account has been inactive for approximately seven years but is still on my report. As per the FCRA, outdated accounts like this should be removed. Please ensure its immediate removal. 

XXXX XXXX ( Account Number : XXXX ) This account is still inaccurately listed on my report despite being inactive and no longer relevant to me. Its continued presence violates the FCRAs requirement for accuracy. I request its removal immediately. 

XXXXXXXX XXXX ( Account Number : XXXX ) This account is inaccurately labeled as a loan, but the arrangement aligns with a credit sale, not a lending agreement. Reporting misleading information is a violation of the FCRA. Please update or remove this item within the FCRAs required timeframe. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was 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 2024-11-15 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: CA

Complaint narrative:
I am writing to report fraudulent activity on my credit file resulting from a data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized accounts from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank I am reaching out regarding an issue with my account. Due to a problem at work, my account ran out of funds, and I was charged XXXX overdraft fees of {$34.00} each, totaling {$130.00}. I contacted chase support team and explained that these charges were for transactions that were placed on hold and never completed. However, my request to have the fees removed was denied. 

I spoke with an attendant named XXXX at XXXX XXXX ( XXXX XXXX ), who also refused to provide a case or registration number. He assured me that the bank could identify the call using only his name, which I find concerning for record-keeping purposes. 

I kindly ask for this matter to be reviewed and resolved as soon as possible. I appreciate your attention to this issue and look forward to hearing back. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was trying to make a transfer to my other account and it asked me for debit card and pin. I reset my pin since I had never made a pin and it said I had XXXX and it was successful. Then I refresh the page and type in debit card and pin and it locked me out of the account. Now I have all my money in this account around XXXX and I call and they said I need to know the account number. There is no way I can know the account number if my online banking is locked I told her since they do not provide that anywhere in the mail or through email and she said it was opened online. Then they ask for my keyword and I can not remember anything and all she says is it could be by mother maiden name and that does not work. There is not other way to access my account she says other than going to a branch which is far away. This need to be escalated as I live in XXXX. I do not think these banks should be offering accounts to clients where they have no physical presence if they rely so heavily on physical presence for verification. They could send me a code to my phone, an email, I can give my entire social my debit card and pin and nothing. the CFPB should have more restrictions for these banks that are looking for Consumer Deposits since they are a cheaper source of funding in these high rate environments. These banks are seeking funding at the expense of the client and their systems and procedures are not adequate enough asking a client to find. branch when they have no presence in any states surrounding me is crazy. Pretty much saying I am locked to my money, I asked to speak to a XXXX and they would not let me. I see on XXXX this is not the first time and this issue has been escalated before and apparently Citi is known for locking account and it is very hard to get back into them. Reason # XXXX they should not be allowed to have accounts in states they have no physical presence unless they have XXXX through phone or email. She said the account number was on my checkbook, like come on banks don't even provide free checkbooks anymore and most consumer do not use checkbook. XXXX XXXX I hope to hear back.

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 2024-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX at XXXX XXXX XXXX XXXX XXXX XXXX called my mothers phone number XXXX attempting to collect a debt in my name, Account number XXXX. XXXX XXXX at XXXX {$780.00}. Service rendered at the address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX phone number XXXX. I called the fraud number and spoke with XXXX and she advised me to call the collections agency back to obtain the XXXX account number. An agent provided that XXXX account number XXXX XXXX. I was advised to email XXXX or fax a copy of my Drivers License and Social security card. I dont trust them. I was told by both the collections agency and fraud department supposedly, the account was open XX/XX/XXXX, and reopened XX/XX/XXXX, disconnected XX/XX/XXXX and XX/XX/XXXX collections. I was told it was Mobile service. I went online to lookup the address and XXXX XXXX XXXX came up phone number 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 without my written instructions XXXX5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 need your support with the incorrect account being reported on my credit report. This concern is damaging to my reputation as a customer, and I need your help in resolving it. These accounts must be removed since they are reported inaccurately and reflect negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
TransUnion Credit Reporting Agency refuses to provide me with my annual credit report after requesting it multiple times within the last ( 2 ) two months. 

I have also tried calling but when the XXXX person sates were placing you on hold it says goodbye and hangs up.

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 2024-11-15 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: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] World Finance Corporation [ XXXX XXXX XXXX XXXX ] [ XXXX, SC XXXX ] Subject : Request for Verification of Account Charges and Documentation Dear World Finance Corporation, I am writing to formally request clarification and verification regarding the management and status of my account, which I believe has been charged off. Specifically, I would like to understand the discrepancies surrounding the initial charge-off amount of {$180.00}, the subsequent accumulation of fees, and the current balance, which has risen over the past 81 months from a closed cap of {$240.00} to {$290.00}. 

1. **Verification of Charges : ** Please provide a detailed documentation explaining how the account went from a charged-off status with an original balance of {$180.00} to accumulating charges resulting in a current balance of {$290.00}. I would like a complete breakdown, in consumer layman terms, of all fees, interest, and other charges that have been applied monthly leading to this increase. An explanation of the legality and methods used to calculate these charges over the 81 months would be greatly appreciated to fully illuminate this matter. That includes but not limited to insight and source of all applied codes and updates to original contract and balance/loan updates.

2. **Original Agreement : ** Kindly send me a copy of the original agreement to verify the terms under which the account was opened. Additionally, I seek clarification on whether a deferment status or code could have been added to the agreement after the completion of the initial contract and the implications this may have had on the account.

3. **Charge Off Documentation : ** I would also like to obtain the charge-off documentation that supports the continuous reporting of different charge-off amounts, including the transition from the initial {$180.00} charge-off figure.

I am concerned that the actions taken regarding my account may not align with the requirements and protections set forth under the Truth in Lending Act ( TILA ) and Regulation Z.

Please respond to my request within 30 days, as this information is crucial for understanding my rights and obligations related to this account. Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a debt collection verification letter to XXXX office on XX/XX/2024, as per my rights under the Fair Debt Collection Practices Act. In that letter, I requested verification of the debt, including proof of ownership and a copy of the identification used to incur this debt.

As of today, I have not received any documentation or sufficient verification of the debt they claim I owe.

Under the Fair Debt Collection Practices Act, I am entitled to request and receive verification of any debt being collected against me. To date, they have failed to provide this verification. Therefore, I request that they remove all files reported concerning the debt.

Below is what I requested : 1. A detailed breakdown of the debt, including dates and amounts.

2. Proof that I own the debt or legal authority to collect on it.

3. A copy of the identification that was used to create this debt. 

I ask that they remove this debt from my records and cease any further collection attempts against me. 


Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief