vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
IMMEDIATELY REMOVE un-authorized inquiries 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 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


IMMEDIATELY REMOVE tradelines XXXX XXXX XXXX  Account:
XXXX

XXXX XXXX XXXX
Account: XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX  Account:
XXXX


XXXX XXXXXXXX
Account: 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 2024-05-11 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: FL

Complaint narrative:
IMMEDIATELY REMOVE un-authorized inquiries 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 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 REMOVE tradelines XXXX XXXX XXXX  Account: XXXX XXXX XXXX XXXX  Account:
XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX
Account: XXXX


XXXX XXXX
Account:
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, Early Warning, to ask the XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, Early Warning. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
I happened to check my chime account this evening and noticed 4 unauthorized different charges were made on my account. The transactions were made in XXXX. I live in Indiana. It was not me. the 1st transaction was one made at XXXXXXXX XXXX for {$12.00} at XXXX for stuff from a XXXX the 2nd unauthorized transaction was made at XXXX on XXXX  for stuff from a XXXX XXXX {$22.00}, the XXXX transaction was made at XXXX on doordash for more stuff from XXXX for {$31.00}, the XXXX transaction listed was made at XXXX XXXX on XXXX for stuff from a XXXX XXXX XXXX for {$29.00} all of this was done today XX/XX/year> Companies involved is Chime which is where my account is in and the other companies involved was XXXX in which unauthorized transactions were made. And where the XXXX orders were made at were XXXX XXXX  XXXX twice, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. 


1. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX  Account Number : XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the Sincerely yours, 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 2024-05-11 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:
Pursuant to Texas Rule of Civil Procedure 92, I am generally denying the following accounts, charges, and allegations contained in the credit reporting, and requests that the credit reporting agency require the alleged creditor to prove its claims by a preponderance of the credible and admissible evidence. 

XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT # NOT LISTED XXXX  ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX Pursuant to Texas Rule of Civil Procedure 94, I am asserting the following affirmative defenses : a. failure of consideration ; b. affirmative defense of fraud ; c. estoppel ; d. laches/waiver ; e. statute of limitations ; f. failure to mitigate damages g. payment ; h. setoff or recoupment ; and i. all conditions precedent have not been performed and have not occurred I am specifically denying that the disposition of any collateral was conducted in a commercially reasonable manner according to the requirements of Article 9 of the Uniform Commercial Code and invokes all rights and remedies available under this statute.

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 2024-05-11 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:
Pursuant to Texas Rule of Civil Procedure 92, I am generally denying the following accounts, charges, and allegations contained in the credit reporting, and requests that the credit reporting agency require the alleged creditor to prove its claims by a preponderance of the credible and admissible evidence. 

XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX  XXXX  XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Pursuant to Texas Rule of Civil Procedure 94, I am asserting the following affirmative defenses : a. failure of consideration ; b. affirmative defense of fraud ; c. estoppel ; d. laches/waiver ; e. statute of limitations ; f. failure to mitigate damages g. payment ; h. setoff or recoupment ; and i. all conditions precedent have not been performed and have not occurred I am specifically denying that the disposition of any collateral was conducted in a commercially reasonable manner according to the requirements of Article 9 of the Uniform Commercial Code and invokes all rights and remedies available under this statute.

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 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On the date of XX/XX/XXXX2024 I sent the first letter via certified mail to LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES to verify and validate that the alleged debt owned is indeed mine. They then responded with an online account summary report., On XX/XX/XXXX2024 I sent out another letter via certified mail, this time I requested complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. XXXX  XXXX. Please provide verification by line ( with an explanation of each item such as when the purchase or change took, and how much each amount was etc. ) for the entire amount you say I owe obtained directly from the ORIGINAL CREDITOR. Date of last activity. My full, complete and correct social security number that may help identify me as the correct person you are trying to collect from. Agreement that bears the wet signature ( NOT ELECTRONICALLY ) of the alleged Debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money you claim I owe. Proof of ID that was presented to you at the time of the incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase the request clearly to obtain : The source of a debt and the amount of a bad debt buyer paid for the plaintiffs debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus and documents conferring authority on defended to collect debt. Prove that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
My Consumer rights have been violated under the FCRA and is in violation of requisite METRO2 Compliant reporting standards as well as 15 USC 1681EB. On XX/XX/2024, I became aware of inaccurate reporting of my personal information for which I sent a certified letter requesting an update of that information. I received a copy of my update credit report where I noticed a plethora of errors as all 3 Credit reporting Agencies, which includes Transunion, were not accurately reporting accounts and reported them differently. I requested deletion of accounts that were not accurately reported. Even after, Transunion invesitigated, verified and validated accounts, information is still inaccurately reported by all 3 CRAs. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Information on the consumer report must maintain Maximum Possible Accuracy.Accuracy means- correct in all details ; exact15 USC 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.The details of the accounts are inaccurate they are not exact in details and amounts.

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 2024-05-11 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: NJ

Complaint narrative:
FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some listed accounts have inaccuracies in reporting, amounts, and dates.

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 2024-05-11 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: NJ

Complaint narrative:
According to FCRA 605B, we must remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: NC

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance Owed : {$15.00} XXXX  XXXX XXXX Balance Owed : {$210.00}

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Compliance with FCRA 605B entails the eradication of any erroneous entries from my credit dossier. These entries do not accurately reflect my credit history. I am entitled to compensation of {$1000.00} for each such erroneous entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: NC

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. Below are the accounts in question : XXXX XXXX and 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 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I submitted an email on XX/XX/year> for my membership with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to be canceled. This request was sent to XXXX ; this was the email address that I was directed to send to when I contacted the gym over the phone. I also contacted the gym over the phone after this point and they said that they received my email and would make a note in my account. I received an email a month later stating that I still owed money, and I disconnected my credit card information from the site as they were still attempting to charge my card. 

Today, I received an email from a debt collection agency ( Aldous XXXX ) informing me that they were making an attempt to collect {$190.00} from unpaid membership fees with this location. I have already paid all my monthly fees before this point, and I did not use the gym after I submitted my cancelation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.

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