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: 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the items, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
I am filing this complaint regarding an incorrect and unfair debt listed on my credit profile by NCB Management Services. I have no knowledge of this account, and it appears to have been inaccurately reported. The balance of {$2700.00} is unreasonably high and not something I have agreed to or can confirm. Despite disputing this with the creditor, they have not provided any valid documentation to substantiate the debt. This situation has negatively impacted my credit report, causing unnecessary stress and financial hardship. I kindly request a thorough investigation into this matter and the removal of this derogatory mark from my credit profile. I seek fair and accurate reporting as mandated by the Fair Credit Reporting Act ( FCRA ).

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: GA

Complaint narrative:
I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
I've noticed some inaccurate information on my credit report, which falls under 15 USC 16c-2. The data seems incorrect and is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a TD Retail Card for XXXX. I never actually received a card but got credit to buy a watch from XXXX. I could never get online, I mostly paid by phone, one time I did spend the incredible amount of time on hold and finally someone answered and i got online, reset my password and the following month it didn't work again. I thought i had paid it off, but apparently had a small balance i think like {$29.00} and the late fees added up to about {$150.00} or something very ridiculous. I called and paid it and the lady said another {$40.00} late fee was going to hit the next day, but she could waive one and would waive that one. She had to wait for it to hit the system the next day. Here we are a month later I get notified i have a {$40.00} balance, tried to get online -- nope -- tried to call last night. I have screen shots, I spent an hour and 45 minutes on hold. Kinda like i am right now while i type this. Customer service was only open until XXXX -- -that was the hour and 45 minutes, and I hung up at XXXXXXXX XXXX You can't get online, and you can't get anyone on the phone. They have now added another {$29.00} to the account.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: VA

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 2024-10-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. 

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 2024-10-03 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: NJ

Complaint narrative:
There is incorrect information on my credit report governed by 15 USC 16c-2. I believe this error is harming my credit score, and I did not approve the inquiries listed.

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: GA

Complaint narrative:
I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date

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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies.

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 2024-10-03 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: MI

Complaint narrative:
Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this FTC identity theft Affidavit to report fraudulent inquiries on my Consumer FICO score XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04 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: CA

Complaint narrative:
I am filing this FTC identity theft Affidavit to report fraudulent inquiries on my Consumer FICO score 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I noticed there were 4 hard inquiries on my Transunion report which I did not authorize and I have been involved in several data breaches with XXXX, XXXX, and more. 

TRANSUNION HAS STATED THE INFORMATION IS ACCURATE AND VERIFIED BUT THAT IS A FALSE STATEMENT AND I BELIEVE THEY ARE IN VIOLATION OF 15 U.S.C. 1681 e ( b ) and 1681i et seq. 

Please help me to remove this information. 

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 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  This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime Financial has locked my account which has roughly {$1700.00} in my credit builder. {$940.00} of the {$1700.00} is from a direct deposit from Ssi on behalf of my XXXX son. The remainder of the balance is from myself cashing a paycheck at my local XXXX and making 2 deposits at the same time of {$500.00} in each deposit. ( I did spend some of the paycheck deposit before my account was locked. The direct deposit of SSI arrived after my account was locked so I haven't been able to access that at all. ) On XX/XX/year>, I requested a transfer in the amount of {$1000.00} from my XXXX XXXX XXXX  account to my Chime. This transaction was denied and Chime locked my account over it. Chime is requiring me to provide them with multiple documents in which I have been able to provide all but one. This one document is a statement from XXXX XXXX that states why the requested transfer on my behalf was denied. XXXX XXXX has refused to provide me any document and has also blocked my number from calling them as well as stopped responding to any emails or secure messages via app or website. I gave Chime my permission to request this document on my behalf since XXXX XXXX has decided to ignore me all together and Chime can't or won't request this themselves. Therefore, my account remains locked by Chime and so does my funds. I do not know of any direction to take other than this to begin to gain access to my funds. I understand Chimes reason for locking my account but I don't understand how they expect to unlock it when I can't provide what they require. 
I was scammed by a fake XXXX XXXX XXXX and I deposited the check the rep sent into my XXXX XXXX account. XXXX XXXX cashed the check and I was to pay the XXXX XXXX XXXX when they were to come to my house to wrap the vehicle minus my weeks pay. Then I was made aware that I was to pay the XXXX XXXX via XXXX XXXX XXXXither by XXXX XXXX XXXX XXXX XXXX  limits, I was not able to withdraw enough money for the rep at one time which resulted in me using a different avenue from my Chime account. It was denied. I was scammed and provided XXXX XXXX with any documentation I had regarding being scammed. XXXX XXXX closed my account understanbly and my XXXX XXXX bank account remains at a roughly over $ XXXX because of me being scammed. XXXX XXXX has since ignored and blocked my number so I can not know any steps to take to try to resolve this matter nor are they willing to provide me any documents I need to unlock my Chime account. I do not know what to do or where to go to try to resolve this. I am scared as I have never been in this situation before and being left in the dark by XXXX XXXX doesn't help matters and now being restricted to access my funds via Chime has me even more financially broke. I have made multiple attempts to communicate with XXXX XXXX and Chime. I have already submitted a complaint on CFPB for XXXX XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
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: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/year> I noticed a {$20.00} Courtesy Charge ( overdraft ) on the XXXX XXXX account. I sent a secured message to the bank as well as emailed them regarding this unwarranted charge. On XX/XX/XXXX XXXX XXXX reversed the unwarranted charge. A XXXX XXXX representative called me and explained how this happened. 
XXXX XXXX contracts their BillPay feature with a third party. The company name is CheckFreePay a wholly owned subsidiary of Fiserv , IncXXXX CheckFreePay solely decides how to pay XXXX XXXXXXXX account holder 's bills with no input or requests of the method from XXXX XXXX or XXXX XXXX XXXX account holders. 
CheckFreePay can pay with a " draft '' which pays with a XXXX XXXX XXXX. Draft checks are deducted from account holders monies when check is cashed and account holders have the ability to look at the cashed check online as well as a copy front and back of it is attached to the XXXX XXXX statement. Which is customary in my experience. 
When CheckFreePay independently decides to write a " single check '' they pay with a XXXX XXXX check and deduct the money immediately out of XXXX XXXX 's customers account using a ACH withdraw. There is no way for a account holder to tell if the check is cashed, look at a copy of it online, or even get a copy front and back with the statement. 
As a XXXX XXXX account holder this is very concerning to me. 
Attached you will see the XX/XX/year> statement page that {$700.00} was deducted from the account as a ACH Payment on XX/XX/year>. This is actually for XXXX XXXX check # XXXX ( copy attached ) made out to a person which still has not been cashed. 
Also attached is the " account transaction '' print out as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deducted from account and you can see the canceled check. This is what I have experienced as normal procedure. 
However, on XX/XX/XXXX a ACH to a person was deducted from the account which the payment has still not been received by the person. 
This is a total of {$1400.00} that has been deducted from the account which checks have not even been cashed yet. 
There is no way for account holder to know or anywhere to look to find out if the check has been cashed. 
I was told by XXXX XXXXXXXX XXXX representative that I would need to contact them and have them research each one individually. 
This is very inconvenient and in my opinion inappropriate to request of an account holder. 
In this particular case it is even more frustrating because this is a Representative Payee Account and according to XXXX XXXX can not be discussed on the phone and must be discussed in person. 
This practice is inconsistent with no way of the account holder to accurately keep track of their monies.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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