vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Dear Sir/Madam, I am writing this letter to file a formal complaint against the XXXX major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report. 

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act. 

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation. 

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 


XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: IL

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. 


XXXX XXXX XXXXXXXX 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 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I do not recognize this alleged debt and I refuse to pay it. I do not have a legal or binding contract and have never done business with Eastern Account Systems. This account was also closed and reopened. It should be deleted for this reason alone. I am requesting that this debt be Validated not Verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had to open up this credit card because I need to get my teeth worked well I didn't have money at the time so the dentist I went to was promoting the Care Credit card so I called they told me that I would have no interest for the entire year got approved and nothing else was told me that was it. Meanwhile I was making payments for months and I went online for my account and saw that they added a XXXX addition to my charges for months of about XXXX dollars for months. I went and called them multiple times for this situation and said how unethical and misleading it was that they would charge this addition without me even knowing. They told me to call the security card company and they said they could do nothing for me. I had them stop the charges finally but would not give me my money back for something I didn't sign up for or even know. Then right went when I got XXXX statement they charged me XXXX dollars because I didn't pay of the card before then new year I guess but was told I would get no interest for entire year but never told me I would not even get 12 months because of the new year. When I called they said that was the only charged now its XXXX and I am charged additional interest charges of XXXX dollars. I have never experienced this type of misleading and confusing tactics to basically milk you.

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 monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXX Account XXXX. This account was recently closed and then reopened after disputing it previously.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I did not give XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX  written consent to access my credit file This is a Violation of the FCRA 15 U.S.C 1681

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 2023-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: IA

Complaint narrative:
Sent this debt collection agency a request for validation of this debt on XX/XX/2023. This debt collector has failed repeated requests from me to validate or ahow me some proof this debt was mine and owrd by me. There has been no response. Have made repeated calls to this company, no response. Under Federal Law, FDCPA, FCRA, after receipt of my request for validation, this debt collector is required by law to provide some sort of documentation, cease and desist from all collection efforts and remove this from all consumer credit reporting agencies until I can review any proof given, if any exists. Also, a prior debt collector in attempt to clain this supposed debt, filed suit in court in XXXX XXXX, Iowa and they lost. Yet, here is another still trying to collect a debt already riled not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2023 a letter was mailed to correct the addresses on my report. There are addresses on there that are not associated with me ever. A second letter was mailed on XX/XX/2023 and I have yet to receive a response nor have I noticed a change.

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 2023-07-15 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: GA

Complaint narrative:
On XX/XX/XXXX  I purchased a brand new XXXX XXXX XXXX XXXX online via XXXX I paid online from my Chime checking account. The total purchase after taxes was {$980.00}. I picked up the phone a few days later. I also purchased the XXXX XXXX protection plan from XXXX XXXX in the event that anything ever went wrong with the phone.Everything was fine. However, aprrox. two weeks later, the phone was stolen from me. I have not had the phone or seen the phone since. I immediately contacted chime and filed a dispute. Although I provided screenshots and proof of where I submitted a police report to them, they denied giving me my money back, claiming there was no error and refuses to pay me back. I have called and argued to no avail. I have also contacted XXXX since the phone is still under warranty, but they want {$250.00} to file a claim for a new device and that's not in my budget right now. I have proof of everything and I can't get a new phone because I saved all the money I had for a very long time to purchase this and now I'm devastated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
An account was fraudulently opened in my name. I immediately ( on XX/XX/XXXX  ) went into a branch in XXXX, MN and spoke with XXXX. i was advised that there were aware the account was fraudulent. I called fraud and was advised that they would send me an affidavit to fill out. I have never received it and the account remains open. I need that affidavit.

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 2023-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Requesting Validation from XXXX  I need the information as follows 1 Original Contract with WET Signature 2 ( All Information from the Original Creditor ) Name, Address, and Phone Number 3 Billing or Payment History 4 Proof of Ownership

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TAG Intermediate Holding Company, LLC
State: AL

Complaint narrative:
Previous close complaints against XXXXXXXX XXXX and Tricolor Auto Group are reporting fraud information with all Credit bureaus as revolving accounts as a collection of debt when both accounts were charged off by Company 's Fraud Department themselves. XXXX has sent me statements that I have not requested in an attempt to collect a debt that does not exist. Tricolor Auto Group is reporting fraudenlent information as a repossession not as a voluntary surrender to keep me from obtaining a another new vehicle instead of the used one they sold me with a battery that exploded within 2 months and was keft sitying in the apartment complex for 6 months before it would send its towing company fir the vehicle in order that it would appear to be a repo but was not. 

XXXX, XXXX XXXX XXXX, XXXX, Georgia ( XXXX XXXX XXXX ) is now disputing both with Confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead XXXX thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to XXXX different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus XXXX XXXX XXXX and Equifax or validating debts that they do no investigation on this is a violation of the fair credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
The IRS stated that my Federal Income Tax Refund was deposited into my Chime account on XX/XX/2023. After a few weeks of waiting it was determined that my account number on my tax return was incorrect. The deposit had occurred by the time the inaccuracy was discovered. Chime assured me that the funds would be rejected since the deposit didnt match the account owner. I waited the prescribed XXXX weeks for the funds to be returned to the IRS and a paper check be issued. After waiting, I was informed by the IRS that the rejection didnt happen. Chime accepted the deposit despite the inconsistencies with the name on the deposit and the account. For the past 3 days I have been in contact with Chime. I was transferred XXXX times via chat. I would explain my situation and then the representative would reply that they were experiencing technical difficulties and needed to transfer me. They did this XXXX times to tire me out and force me to end the chat. I then called and was transferred XXXX times before I demanded to speak with a supervisor. I explained the situation to him as well and he kept telling me that the system would reject the deposit if it didnt match the account owner. I spent XXXX minutes explaining to him that I understand in a perfect world the system is designed to reject it, but my situation must be an outlier because this did not happen. I repeatedly asked him to just take the account number I gave him and verify that my refund posted to that persons account. I sent an email with all of the proof from the IRS to include my tax documents. He wanted me to believe that he couldnt access an account with just the account number and no name and that no one in the company could do it, so there was no need for me to try to speak to anyone else. I told him that was absurd!! and there was no way I was accepting that answer. He then went back to trying to tell me that the funds would be rejected and sent back to the IRS. I asked him to kindly tell me how long that would take if that was the case. He said XXXX days. I then told him that its been almost XXXX months!! He kept talking in circles and refused to resolve my issue. I am 1000 % sure that my refund posted to that persons account thats on my tax return. Chime refuses to correct the issue!! I was defrauded out of almost {$10000.00}. Chime dropped the ball and did NOT verify that the names matched and in return I was robbed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist CCS COLLECTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX - original creditor XXXXXXXX XXXX XXXX XXXX within 30 days from receipt of this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
Apply for auto loan
And representing pulled credit multiple times without asking

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
Apply for auto loan
And representing pulled credit multiple times without asking

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXXXXXX XXXX XXXXXXXX. This account was recently closed and then reopened after disputing it previously.

Company response to consumer: Closed with non-monetary relief