vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Collection Agency LVNV FUNDING LLC has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed a collection in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Collection agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: AR

Complaint narrative:
I have fraudulent inquires on my Transunion credit report that are not tied to an account. I've been a victim of idenity theft in the past. I would like those inquires removed. 
Thank 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 explanation
Consumer complaint received 2024-08-24 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: CA

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. 

DEPT OF EDXXXXXXXX XXXXXXXX Balance. {$5700.00} DEPT OF ED/XXXX XXXXXXXX balance. {$2800.00} DEPT OF ED/XXXX XXXXXXXX balance. {$5500.00} DEPT OF ED/XXXX XXXXXXXX balance. {$2700.00} DEPT OF ED/XXXX XXXXXXXX balance. {$10000.00} DEPT OF EDXXXX XXXX balance. {$5600.00} 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. I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: Upstart Holdings, Inc.
State: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Even after I disputed the debt for Identity Theft, American Express emailed me constantly. I received over 50 emails harassing me I am providing an example below. 
According to Late 15 USC 1692 C they have violated my rights by UNLAWFUL Communications.

According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permission
.AMERICAN EXPRESS DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA.

Our personal information isn't supposed to be shared by a third party. No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies.

According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Please remove this inaccurate information from ALL THREE Credit reporting agencies. According to Law 15 USC 1692 C, you have violated my rights by unlawful communications. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: IL

Complaint narrative:
I recently received a copy of my credit report and I noticed I had a fraudulent account appearing on my report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Yes, I have tried to call you guys 3 times on XX/XX/year>, regarding the XX/XX/year>, as to where is it coming from? I don't know what service i'm getting but this is not expectable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: CA

Complaint narrative:
I am writing to formally file a complaint against Chime regarding an unfulfilled referral bonus that I was promised. 

I signed my mother up for a Chime account using my referral link, following all of the instructions provided by Chime. My mother made the required deposit within the specified time frame, making us both eligible for the {$100.00} referral bonus. 

After the bonus did not appear in our accounts, I reached out to Chimes customer support through chat. I was told that we should wait, and that the bonus would be applied shortly. However, weeks passed, and there was still no bonus. I then called Chime on behalf of my mother and spoke with a supervisor who assured me that both of us would receive the {$100.00} bonus and that it would be applied within minutes to a couple of hours. 

Despite this assurance, the bonus still did not appear. I called Chime again several days later and was once again told to wait. After more weeks passed with no update, I called Chime once more a few days ago and was informed that even though we met all the required activities, the system would not allow them to apply the bonus because it was too late. 

This situation has been incredibly frustrating. I was repeatedly given false assurances by Chimes support team that the bonus would be applied, only to be told later that it was impossible due to an issue with their system. I feel that I was lied to about the bonus, and as a result, my mother and I have not received the funds that we were promised. The ticket ID number is XXXX from the last phone call with chime on XX/XX/year> I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in resolving this issue with Chime. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I dont owe this debt to this company Ive never taken out a paycheck loan. 

XXXX XXXX XXXX  Balance {$310.00} Account number XXXX XXXX XXXX XXXXXXXX XXXX {$310.00} Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: IL

Complaint narrative:
To Whom It May Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they may have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. Investigation was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX Account no. XXXX XXXX. XX/XX/XXXXXXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : 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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It XXXX Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they may have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. Investigation was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXX BANK XXXX XXXX Account no. XXXX XXXX. BANK XXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXX, XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: IL

Complaint narrative:
To Whom It May Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they XXXX have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. XXXX was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX Account no. XXXX XXXX.XX/XX/XXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : 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