vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-07-08 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TX

Complaint narrative:
I demand that the XXXX XXXX inquiry be deleted from my credit report as the information is still being incorrectly reported on my credit report. It needs to be removed immediately from my credit report. It has been reporting on my consumer report since XX/XX/year> even though no consumer credit transaction has taken place. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been 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 explanation
Consumer complaint received 2024-07-08 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:
I demand that the XXXX XXXX inquiry be deleted from my credit report as the information is still being incorrectly reported on my credit report. It needs to be removed immediately from my credit report. It has been reporting on my consumer report since XX/XX/year> even though no consumer credit transaction has taken place. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been 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 explanation
Consumer complaint received 2024-07-08 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: GA

Complaint narrative:
i requested for them to remove accounts i dont recognized and addresses and was only givin info to resend my info and i havent heard anything back over XXXX  days.I was never shown any documention with my signature or nothing.I have sent letters to all XXXX  XXXX XXXX transunion and XXXX  example is XXXX of the latters that was sent to me from all XXXX  and i sent them docs but never heard 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 non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im in disagreement with the addresses and name listed below which still appears on my credit report, even after your investigation. I would like these addresses removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. The inaccuracies are highly injurious to my credit score.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Company continues to report this account after informing them of identity theft and having the case dismissed with prejudice.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Company continues to report this account after informing them of identity theft and having the case dismissed with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made some XXXX purchases in about XX/XX/XXXX, which was cancelled as the product was taking long. it included XXXX XXXX and hair products. XXXX immediately credit my account and then on my activity statement in XXXX it shows a credit reversal. but guess what fraudulant practice i detected from synchrony they do not let it reflect until after 2 statements. I did not make the payment for thos reversals and spoke to an agent in XXXX and XXXX and she said i still have to pay it. I aksed her why would i pay for a products that has been credited by XXXX and showing in activity but not the statement. " the agent stated how much can you pay today ''? she refuses to addrees the issue or just had no knowldege of services. I was charged a {$40.00} late fee for this, then interest then it started piling up. On XXXX I made my final payment of {$34.00} on a purchase I made in XXXX and forced to close my card. That {$40.00} late fee has been charged late fees on top of late fees till date and now showing {$190.00} dollars which is all fees relating a purchase that was credited by XXXX. I spoke to 2 agents 2 days ago, the 1st one said I can only reverse 1 late fee and transferred me to someone else, the 2nd person just ended the chat. Synchrony I would like to tell you that I WILL not be paying you for charging me a {$40.00} late fee which is now {$190.00} and my card is CLOSED. I will see you in court because I have prove and evidence that XXXX credited me so I was not responsible for paying an amount that has been credited. If the agents are competent they will investigate and find appropriate resources in XXXX and not reaching to this point now. I really highly regret signing up for this Card. I should have just used my own credit cards. I have also stopped shopping at XXXX altogether. 
I do not owe interest on th account. I stated and have prove of your agents on XX/XX/XXXX was to wave the first fee which she did not do. The fees that you are charging me its fees that has been charged additional fees on top of fees. if you carefully pull back the XXXX to XXXX statement XXXX already reversed the item but u chose to post it later to force customers to pay on items that has already been reversed? this illegal practices must stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-08 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: AL

Complaint narrative:
n 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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  ACCT # XXXX, XXXX XXXX : # XXXX, XXXX : ACT # XXXX 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. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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. 

ALSO I NOTICED UNAUTHORIZED Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

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 2024-07-08 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:
Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear Sir/Madam, This letter has been written and submitted on my own behalf by me, XXXX XXXX XXXX XXXX any third-party assistance. 

My name is XXXX XXXX, and I am writing to dispute several accounts that were fraudulently opened in my name. These accounts were created by someone who changed my last name. I have never authorized the use of my personal information, nor have I received any credit from these creditors. Please delete the accounts and associated inquiries from my credit report. 

I attempted to upload my identification online ; however, your system would not allow it. I have contacted each creditor, and they have confirmed that these accounts are under an incorrect name using my Social Security number and can only be removed by disputing with the credit bureau. This is also confirmed by reviewing my own credit report. 

Additionally, I request that my credit score be restored to XXXX, as it has been negatively impacted due to this fraudulent activity. 

The accounts in question are : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXXXXXX Please process this dispute as soon as possible and confirm receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I requested validation of a debt from Aldous & Associates Collections, which they placed on my XXXX credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I asked for copies of the original contract/agreement and a breakdown of how the debt was accumulated within the required timeframe. Despite my request, Aldous XXXX XXXX XXXX failed to provide these documents within 30 days. 

As a result, they have not validated the debt as requested by law, yet they have reported it to XXXX, impacting my credit negatively. I am filing this complaint to address the inaccurate reporting and the failure to provide validation of the debt as required under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
Company is in violation of federal law 15 U.S. code 1666b ( a ), which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NC

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. Current Account number XXXX has violated my rights 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 an 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a text and XXXX emails from Chime. I saw the text first and labeled it spam, deleting it. The first email ( from Chime at XXXX ) said that Im one step away from XXXX XXXX! and that my XXXX XXXX application is almost complete! asking for me to set up a direct deposit of {$200.00} - then a new card would be mailed. The second email ( from XXXX, Chime XXXX at XXXX ) an hour later said Welcome to Chime! Meet your new Chime account. I never knew Chime existed before these messages. I have not applied for anything with Chime. My credit report is locked, I pay for credit monitoring through XXXX and no new account is showing YET. There is no reply email or email for Chime that I can find on their website yet to contact them directly, but clearly someone has used my phone number, email and name to open an account. What do I do next?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2024-07-08 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:
I sent a letter to XXXX TransUnion and XXXX to verify and update the accounts on my credit report I asked them to reinvest the completion and accuracy I got my investigation back and noticed the didn't update my account according to usc 1681i 5 that's a violation of multiple laws remove this account from my credit report Account : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I hired a service company that did not provide the services they charged me for. American Express keeps closing the dispute in favor of the merchant even tho I provided evidence of the merchant charging me for services and materials not provided. I have also tried working with the merchant directly and they stated they performed all the work and then threatened me to put a lien on my home. I also called the Department of Consumer Protection and spoke to XXXX XXXX, an investigator. He is charging the company {$5000.00} for violations on my behalf. Also, the XXXX XXXX police filed criminal charges against the owner who defrauded me and claimed he was a contractor. I uploaded ALL of the supporting evidence to American Express. I even have a statement from the merchant to XXXX XXXX stating that he has refunded me in full and he submitted a screenshot of an initial chargeback from American Express. 

My dispute started with American Express in XXXX. They have sided with the merchant on XX/XX/XXXX when clearly it is a fraudulent charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XXXX XXXX I mailed a certify letter to verify the debt and this is not a refusal to pay but a notice to the Fair Debt Collection practices Act 15 USC 1692 Sec 809 ( b ) that your claim is disputed validations is required. 
Mail me the documents I requested in 30 days and they refuse or ignored my request Jefferson Capital Systems Account # XXXX XXXX ) send me a copy of my original contract I signed with my wet signature on it. 
2 ) send me copies of papers I signed to pay this debt you say I owe Also other verification documents pursuant 15 USC 1692 Sec 808 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
to formally dispute the late payment charges that have been applied to my account. In accordance with my rights under 15 U.S.C. 1666 of the Truth in Lending Act, I am providing this written notice to request an investigation and correction of these billing errors.

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 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
The debt collector company ( Reliant Solutions ) contacted my family via text with my information and file number without my authorization. I did not have the file information myself prior to this and was the only way I had written proof of who the debt collector was and what file number I needed to check in on what I owed. Furthermore, I have gotten spam calls with no voice messages identifying the name of the collection agency ; just this is a debt collector. That is not sufficient for me to safely return calls.

Company response to consumer: Closed with non-monetary relief