vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have a multiple occasions, disputed inaccurate information on my credit report. I disputed these in accuracies through experience however they always come back with the information has been correct when I am sure that the account has closed or charged off. There are collections that I requested to be verified have been.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I got a text from chime saying there was fraudulent activity on my account then they called me and told me that I had to cancel the payment that showed up on my account and I didn't know the person so I did what the chime guy told me to do and it took all my money in my account XXXX and he said that it would be refunded to me instantly then said there was a problem doing that that it would take 3 business days to get back into my account but in the meantime I have no money for gas or food to get to work or eat

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received a notice that my creditor concora credit has blocked my account from making purchases. They sent a letter requesting ID to unblock the account via fax or mail or they will close my account in 30 days. I have done both and they have repeatedly said the ID sent was not legitimate or legible. This is my 3 attempt. I believe they are creating an issue such as this to collect my payment for profit and then closing accounts. This needs to be investigating for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
someone has my social security number and using it to open credit cards and internet account with my information. there are also fraudulant address reporting on my credit reports which do not belong to me and are fruad i have called XXXX  and they told me that they can not remove the fruadulant address because they are tied in to the fruadulant accounts that are reporting on my XXXX report

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 2025-01-10 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: TX

Complaint narrative:
someone has my social security number and using it to open credit cards and internet account with my information. there are also fraudulant address reporting on my credit reports which do not belong to me and are fruad i have called experian and they told me that they can not remove the fruadulant address because they are tied in to the fruadulant accounts that are reporting on my XXXX report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I do not own this loan. Fraudulent loan created.Please remove

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 2025-01-10 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: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report stating that I had a credit breach thay company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing this item removed. 

I demand the following accounts be properly verified or removed immediately.

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 2025-01-10 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: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report stating that I had a credit breach thay company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing this item removed. 

I demand the following accounts be properly verified or removed immediately.

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 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : SUNRISE CREDIT SERVICES , INC XXXX XXXX XXXX XXXX department Subject : Formal Demand to Remove Fraudulent Accounts Under FCRA Dear sunrise credit XXXX XXXX XXXX XXXX XXXX, I am writing to formally demand the immediate removal of all fraudulent and unauthorized accounts, inquiries, and negative items from my credit reports. As a victim of XXXX XXXX and identity theft, these accounts were opened and used without my knowledge or consent and do not represent my legitimate financial history. 

Legal Basis for My Demand Under the Fair Credit Reporting Act ( FCRA ) : 1.You must investigate disputed items within 30 days of receiving a dispute and supporting documentation. [ 15 U.S. Code 1681i ( a ) ].

2.If fraudulent activity is confirmed, the disputed items must be permanently removed or blocked within four business days of verification of my identity theft report [ 15 U.S. Code 1681c-2 ( a ) ].

3.I am entitled to request a fraud alert or a credit freeze to prevent further damage to my credit [ 15 U.S. Code 1681c-1 ].

Action Required Conduct a full investigation of all disputed items and fraudulent entries in my credit reports.

Remove or block all entries associated with unauthorized accounts and debts.

Provide written confirmation within 30 days of the results of your investigation.

Enclosed Documentation To verify my claim and assist in the investigation, I have included the following : 1.A copy of my government-issued ID for identity verification.

2.Any supporting documentation, such as XXXX XXXXXXXX XXXX and 605 C form Timeframe for Compliance Per the FCRA, you are legally obligated to : Acknowledge my dispute within five business days. 
Complete your investigation within 30 days. 
Notify me in writing of any corrections, deletions, or remaining entries. 

Failure to Comply Failure to meet your obligations under the FCRA may result in legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). I trust you will handle this matter promptly and in compliance with federal law. 

I look forward to your timely response and resolution of this matter. If additional information or documentation is required, contact me immediately at the information provided above. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of government-issued ID FTC Identity Theft Report Supporting documentation ( if applicable )

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 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Lockhart, Morris & MontgXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Cease and Desist Request Dispute of Account Information Account Number : XXXX Dear Lockhart , Morris & Montgo, This letter is being sent to notify you formally under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I request you immediately cease and desist all communication with me concerning the above-referenced account. 

Additionally, I dispute the validity of the debt associated with this account, reported as a {$960.00} balance with the original creditor listed as XXXX XXXX XXXX I demand that you validate this alleged debt as required by the FDCPA, 15 U.S.C. 1692g ( b ).

I am requesting the following : Validation of the Debt : Documentation proving I owe the debt. 
The original signed agreement or contract that substantiates this debt. 
A complete payment history, including details of the original amount and any charges or fees added. 
Immediate Correction of Reporting : Until this debt is validated, I request that you cease reporting this account to any credit reporting agencies. If you are unable to validate this debt, I demand its removal from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Cease Communication : From this point forward, all communication must be in writing and limited to providing validation documents. Do not contact me via phone or any other method. 
Failure to comply with my requests, including ceasing communication and providing proper validation, will result in complaints being filed with the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I reserve the right to pursue legal action for violations of the FDCPA and FCRA. 

Please respond within 30 days of receipt of this letter to confirm your compliance and provide the requested documentation. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
To who it may concern, I'm writing to formally submit a complaint against CAINE & WEINER who is collection agency. I noticed a derogatory flag on my credit report associated with them for the amount of {$5800.00}. Upon discovering this I immediately reached out to the original creditor XXXX company. I maintain a good credit score over 15 years and they have ruined it. I've never received any notification from either the original creditor or the collection agency neither via email or mail, when I brought up this issue to the collection agency they accused me of not updating my information which is not correct. I simply try to have this derogatory flag removed as soon as possible. I sent them an email on XX/XX/XXXX and they promptly called and confirmed there was a note on my account from last year and work on my case and resolved the issue. This issue stems from my divorce last year which impacted my ability to make payments. After receiving confirmation that I had been removed from the collection agency I contacted them to confirm the receipt of their respond. Unfortunately, the supervisor ( her name : XXXX XXXX XXXX XXXX XXXX  uncooperative and asked me to filled out the form through their website which I did. I haven't received any follow up email. The urgency of this matter is due to my ongoing process of obtaining pet XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I explained my situation thoroughly but they have not cooperated. despite, informing them that I may have to escalate this to CFPB they remain indifferent insisting they have their own process in place disregarding the original creditor 's confirmation. This experience has added significant stress to my personal life and I would greatly appreciate any assistance or guidance to help resolve this matter as quickly as possible. Thank you for attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CT

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 didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-10 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: CT

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 didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filled out the report on XXXX that my report number is XXXX on XX/XX/XXXX. I called the dispute XXXX at XXXX XXXXXXXX XXXX and gave my report number to him. Since XX/XX/XXXX, They have not been helping me recover the fund I transferred. 
On XX/XX/XXXX, I transferred a wire to XXXX XXXX XXXX XXXX XXXX through JPMORGAN Chase Bank. The scammers Account number XXXX and Routing number XXXX. XXXX XXXX XXXX XXXXXXXX. 

I was looking for a XXXX with XXXX or XXXX seats on XXXX XXXX and chatted XXXX XXXX. She replied, she posted the ad minivan for her cousin, all she knew the price is {$12000.00}. If I am interested, please contact XXXX XXXX at XXXX. I emailed her that I was interested in buying a XXXX XXXX XXXX XXXX. She replied, she preferred to sell this minivan at the XXXX XXXX and XXXX in XXXX TN. The Customer Service emailed me the purchase agreement and a payment invoice. They shipped XXXX XXXX XXXX XXXX to my house on XX/XX/XXXX, but I havent gotten a new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-10 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-10 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company has copied my previous complaint to them word for word a a response to my complaint. This is unacceptable and violations of my rights as a consumer. XXXX XXXX XXXX continues to harassed me and report negative reporting on my credit. I will be contacting the Attorney General Office if this issue is not resolve within 30 days.

Company response to consumer: Closed with explanation