vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

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 2024-08-12 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: WI

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
They just closed my account down and took the funds is more than {$200.00} can you write my check? If youre closing the account, XXXX return the XXXX plus XXXX the {$44.00} + XXXX XXXX etc from the savings also I have proof of submitting the documents you requested but said you didnt and took my money out the account pls write my check I need the money the overdraft was a lie you created that to have a problem of something to close the account about I expect my full money back else we will take this to the state next and you might end up paying more in damages I know the law too

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
There are a total of XXXX inquiry that i do not recognize and are unauthorized on my Equifax and they have not taken them off. i could only fit XXXX something inquirys but all of them all frauduant and i would like for them to be removed from my Equifax report. i am attaching an FTC identity theft report and im requesting they be removed becuase they are inaccurate and not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am asking for your help with the false information listed on my credit report. This situation has seriously damaged my reputation, and I need your intervention. The way my credit report was managed has brought me to a challenging place, and my reputation has been hurt because of your reporting errors. You need to correct these mistakes so I can move forward with 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 explanation
Consumer complaint received 2024-08-12 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: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I REQUESTED A VALIDATION OF FRAUDULENT DEBT FROM ALDRIDGE PITE HAAN AND HAVE NOT RECIEVED A RESPONSE. ALDRIDGE HAS NOT PROVIDED THE PROPER DOCUMENTATION TO VALIDATE DEBT FOR ACCOUNT THEREFORE THE DEBT HAS TO BE REMOVED. ATTACHED IS THE 2ND REQUEST FOR DEBT VALIDATION, MY NOTICE OF SUIT, ALONG WITH CERTIFIED RECEIPTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: OH

Complaint narrative:
I went to withdrawal {$600.00} at a XXXX XXXX XXXX XXXX. I used my chime card. The money got stuck in the XXXX  and I was stuck on a waiting screen for about XXXX minutes. It finalized the withdrawal and gave me a recipe but no money came out. I put in a dispute with chime and they declined it with out even contacting XXXX XXXX. I know this, because I contacted them and there distract manager said chime never contacted them. XXXX then said they cant do nothing until chime does.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates
State: IA

Complaint narrative:
LJ Ross & Associates called me on XX/XX/24 at XXXX CST. I answered the phone and there was no one on the line because they were using an automated dialer. I repeatedly said " hello '' with no response then their system hang up on me. The system did not identify who they were or in any way speak or make any noises. 

I called back to determine it was LK Ross & Associates. I tried to rectify the issue of them calling me without a collector available using an auto dialer. However, upon speaking to a supervisor he told me to just go the route of filing a complaint... so here it is. 

I believe this is a violation of my rights under the FDCPA and the TCPA. 

Best regards, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report that are linked to identity theft. I formally demand the immediate blocking and removal of these accounts, as I never provided written authorization or a wet signature for their inclusion. 

These fraudulent entries have caused me significant distress, both emotionally and financially, by misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
When I XXXX  from XXXX  I got XXXX credit cards. The one in question is my Forever 21 credit card which was paid everytime it was used. I went away to college and never received the bill in the mail. They did not send me an ebill or even an email telling me payment was due. My name on the card is also spelled incorrectly. When I got home from school I received a call stating I am 90 days late on payment. I explained my situation and they removed all of the late fees. I paid off the remaining balance that same day. The bank told me this would be taken off of my credit report since I paid the balance and they removed the late fees. That was in XXXX the late payments are still on my credit report. I have sent XXXX letters to comenity bank and XXXX letter to all of the major credit bureaus. Comenity bank sent me a letter telling them to contact them at a specific number. Which I did. They told me that since the late fee was from XXXX they could not help me. I needed to send a letter to the dispute department. Which I did. I have still not received a response from any department. I just would like some help to get this off of my credit report. I have never had a late payment on any of my cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a XXXX store credit card issued by TD retail Card services. My payment due date on this card is the XXXX of every month. 

Sometime around the end of XX/XX/year>, TD retail services revamped their online interface. As a result, I was locked out of my account. I tried reaching out to their customer service department and was on hold for a total of more than 8 hours during a span of a week.

TD Bank has made no efforts to address accessibility. I am not sure about the current status of my account, nor am I sure about when I will get access to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
I am contacting you regarding unauthorized personal information associated with my identity. Several accounts and transactions have been erroneously linked to me without my consent or knowledge, causing considerable XXXX  and hardship. I have fallen victim to identity theft and have already reported this incident to the appropriate authorities. 

This situation has severely compromised my financial stability and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am prepared to furnish any necessary evidence to support my case.

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 2024-08-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Hello I am in the process of paying off my credit card debt with XXXX XXXX and I am having a hard time reaching someone in regards to my payments that are supposed to be going through XXXX XXXX XXXX XXXX I spoke with XXXX XXXX and I have been trying to contact her for months about payments I have been making and was told she is no longer with the company.. I dont know how my payments are being processed and I am not seeing any updates on my credit profile.. XXXX XXXX does not answer the phone and I am constantly sending money for my credit card payment but I can not speak with anyone about if they payments are being received to resolve my credit card debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MN

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 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 2024-08-12 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: EQUIFAX, INC.
State: MN

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 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 non-monetary relief
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I called Equifax to get my credit report on XX/XX/year> and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also Attached my credit report and letter showing that Equifax is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report that are linked to identity theft. I formally demand the immediate blocking and removal of these accounts, as I never provided written authorization or a wet signature for their inclusion. 

These fraudulent entries have caused me significant distress, both emotionally and financially, by misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.

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 2024-08-12 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: WV

Complaint narrative:
I have sent proof of credit inquiries that are not mine to the credit bureaus multiple times, I have called them multiple times and spent hours speaking with them. I have sent ftc reports as well. I just spoke with the ftc and filed a new report with all inquiries that are fraud on my credit report and will be submitting it here to try to resolve this for the third time. I want this takin care of asap.

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 2024-08-12 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: WV

Complaint narrative:
I have sent proof of credit inquiries that are not mine to the credit bureaus multiple times, I have called them multiple times and spent hours speaking with them. I have sent ftc reports as well. I just spoke with the ftc and filed a new report with all inquiries that are fraud on my credit report and will be submitting it here to try to resolve this for the third time. I want this takin care of asap.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported to the credit agencies that I was 30+ days past due for the stamens date XX/XX/year>. This is incorrect and now Im getting denied for credit from other companies due to this

Company response to consumer: Closed with explanation