vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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:
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX  XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX Employers : XXXX XXXX Previous Address ( es ) 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 2024-10-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX, Synchrony Financial placed a hard inquiry on my XXXX Credit Report. I do not recognize this hard inquiry ; I do not recall placing a request for any products or services from this company. 

In XX/XX/XXXX, I called XXXX and asked to dispute this hard inquiry. XXXX told me that only the company that originally placed the inquiry can delete it ( or ask XXXX to remove it ).

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, an account opened at XXXX XXXX on XXXX under the XXXX account, and an account opened at XXXX on XXXX under the XXXX account number. Unauthorized inquiries, XXXX, XXXX XXXX, XXXX of XXXX. These accounts have resulted in several fraudulent late payments, charge-offs, inquiries, and fraudulent collections appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I had air duct cleaning services performed by XXXX XXXX. After the service was performed the technician " XXXX '' stated that they only accept XXXX, XXXX XXXX, or XXXX for payment. I opted for XXXX and the technician provided a phone number for payment. I verbally confirmed the number and then visually confirmed the number with the technician before sending payment via XXXX. He acted surprised that he didn't receive the money and asked to see the number again. He then stated that the money was sent to the wrong number ( off by one digit ) and told me I could cancel the incorrect transaction and the asked me to send the full amount again to the correct number ( which he received ). I immediately contacted Ally Bank and asked them to reverse the incorrect payment. They refused and said the payment can't be reversed and offered to open a dispute on my behalf. I opened a dispute providing all of the details. I received no contact or communication after XX/XX/XXXX. Today, my bank sent a written letter refusing to refund the incorrect payment because they said it was authorized. I have repeatedly attempted to contact the incorrect payment number and received no response. I have also contacted the owner of the cleaning company and received no response. Now I am out {$360.00} and will never use XXXX or Ally Bank again.

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 2024-10-04 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: NY

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX  regarding violations of the Fair Credit Reporting Act ( FCRA ) and their inaccurate reporting of multiple charge-offs on my credit report. 

Details of the Issue : Creditor : XXXX XXXX Account Number : XXXX Settlement Date : [ Insert Settlement Date ] Reported Amount : {$1200.00} ( settled for less than owed ) I settled this debt with XXXX  XXXX in [ insert date ], and the account was paid for less than the full amount owed. However, XXXX XXXX has reported multiple charge-offs on this account between XX/XX/year> and XX/XX/year>, despite the account being settled. 

Violations and Harms : Violation of Accurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to furnish accurate information to credit reporting agencies. The repeated reporting of charge-offs after the settlement is misleading, inaccurate, and in direct violation of this statute.

Unfair Negative Impact on My Credit Score : These multiple charge-offs have severely impacted my credit score, making it difficult for me to secure favorable financial terms. Since the debt was settled, XXXX XXXX should have ceased further negative reporting on the 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 2024-10-04 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: NY

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX  regarding violations of the Fair Credit Reporting Act ( FCRA ) and their inaccurate reporting of multiple charge-offs on my credit report. 

Details of the Issue : Creditor : XXXX  XXXX Account Number : XXXX Settlement Date : [ Insert Settlement Date ] Reported Amount : {$1200.00} ( settled for less than owed ) I settled this debt with XXXX  XXXX in [ insert date ], and the account was paid for less than the full amount owed. However, XXXX XXXX has reported multiple charge-offs on this account between XX/XX/year> and XX/XX/year>, despite the account being settled. 

Violations and Harms : Violation of Accurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to furnish accurate information to credit reporting agencies. The repeated reporting of charge-offs after the settlement is misleading, inaccurate, and in direct violation of this statute.

Unfair Negative Impact on My Credit Score : These multiple charge-offs have severely impacted my credit score, making it difficult for me to secure favorable financial terms. Since the debt was settled, XXXX XXXX should have ceased further negative reporting on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX | XXXX XX/XX/XXXX Date : XX/XX/XXXX Experian Subject : Incorrect Account Deletion Request CFPB XXXX ID # : XXXX XXXX XXXX # : XXXX Dear Experian, I hereby formally notify you of a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX XXXX account, which has been reported in my credit file under the entity Spectrum. This account must be immediately removed from the credit report under applicable federal and state law. The following are the legal and factual reasons supporting my request : Reasons for Dispute 1. Violation of Debt Validation Process : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), the collection agency XXXX XXXX was required to cease all debt collection and validation activities until receiving complete verification of the debt, if a request was received within 30 days of receipt of the initial notice. XXXX XXXX to have sent said notice on XX/XX/XXXX and to have received no communication before XX/XX/XXXX. However, this does not justify reporting to Experian without proof of validation. 
2. Lack of Legal Ownership of the Debt : XXXX XXXX has indicated in its response to the CFPB that it is not the owner of the account in question and only acted as an authorized representative of Spectrum. The information reported to Experian was generated without adequate verification by the original creditor, violating the consumer 's right to transparency of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
3. Relevance of Florida Credit Law : Under Florida state law, the statute of limitations on debts limits the period during which a debt may be legally pursued. The account in question was returned to XXXX without any additional validation efforts being made and is outside the applicable reporting time frame. 
Request Since XXXX XXXX has confirmed that the account was returned to Spectrum and that it no longer has any right or authority over the account, immediate removal of any mention of this account from my credit report is requested, pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), which provides a consumer 's right to request removal of inaccurate or unverified information. 
Attached is a copy of the correspondence received by XXXX XXXX through the CFPB, confirming that the account has been closed and returned to the creditor.

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 2024-10-04 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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 2024-10-04 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account 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 non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account 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 2024-10-04 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-04 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NV

Complaint narrative:
EQUIFAX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX : XXXXXXXX XXXX XXXX {$500.00} MUST BE DELETED IMIDIETLY, PLEASE DELETE ASAP I HAVE NEVER HAD ANY ACCOUNT LIKE THOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
My name is currently XXXX XXXX. I was able to deposit checks to my chime account registered under XXXX XXXX using the name XXXX XXXX since XXXX or XXXX. I spoke with chime support about a direct deposit thats was not received. The agent informed the check with be in the account later that day. I reached back out to find out there was an issue with my last name due to a name change from marriage. My check was reversed and the 1st agent failed to inform either verification was needed or the check was reversed. When I tried to get more help for a supervisor they declined to explain why there was just now an issue with a name for the deposit under XXXX for the account under XXXX. The supervisor was not able to verify the documents sent as needed on their end and declined to allow my to speak with a manager or any information to file a corporate complaint. The supervisor hung up the line and declined to provide a resolution. Even on the recorded phone line and asked if he felt he resolved my issues he stated no and then when asked how he was going to resolve he declined to respond or provide any further assistance. Chime did not provide details of any documents needed by email until I called the first time and was told to wait. The company also did not provide an applicable time to respond to provide the documents before reversing my paycheck. I did not see any options to file a complaint on their platform nor have my emails been returned to file a complaint directly with chime about the poor customer and inadequate information provided.

Company response to consumer: Closed with explanation