vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I has sent multiple letters over the last 3 month trying to make transunion and experian follow the law. First letter was received by transunion on XXXX. XXXX received theirs on XXXX. Second letter received by transunion and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. 
All of these letters demanding several accounts be removed from my credit report as transunion and XXXX are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against transunion and experian for multiple violations of the FCRA, the XXXX, and the Privacy act. XXXX had no problem following the law and removing these items. Transunion and XXXX must follow suit and do the same as they are all required by law to report accurate information. All three reports must match.

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 2023-03-16 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: MD

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX  Account number : XXXX 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. 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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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 sent TRANSUNION DISPUTE DEPARTMENT an FTC Identity Theft Report, Cover Letter, a color copy of my ID, a color copy of my Social Security Card, and a copy of a bill with my address on it via certified mail with a return receipt on XX/XX/ in regards to a fraudulent account reporting on my credit report. This account is a XXXXXXXX XXXX  account ending in XXXX. Pursuant to 15 U.S.C. 1681c-2, TRANSUNION had 4 businesses day to legally remove the account from my credit report and failed to do so. The account was deleted. BUT on XXXX  TRANSUNION reinserted the fraudulent account on my credit report. I then filed another FTC Identity Theft Report and sent a copy of that, a color copy of my ID, a color copy of my social security card and a copy of a bill with my address on it, again, via certified mail with a return slip on XX/XX/. Again TRANSUNION had 4 business days, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, to remove the account from my credit report. After over 45 days, which is past the 30 days they have to comply per the Fair Credit Reporting Act, TRANSUNION removed the account. As of today, the account was reinserted AGAIN stating that they " verified '' the account was accurate. This makes no sense. Why would I filed Identity Theft TWICE on an account that was mine? Plus- In order for TRANSUNION to " verify '' the account, they are to send me an Affidavit of Verification signed and sworn under oath. TRANSUNION is violating my federally protected consumer rights under the Fair Credit Reporting Act. The reporting of this fraudulent account continues to cause me and my reputation severe harm and discrimination.

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 2023-03-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 






The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I am also showing an incorrect XXXX of XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MI

Complaint narrative:
I made a purchase of {$160.00} to XXXX XXXX XXXX for a faja using my chime credit card. However after the transaction they informed me they dont accept chime and I would need to dispute the transaction and pay with cash. I told chime about the situation and how I was charged twice and there was already an agreement with the company to refund my money. They even called me to reverse the transaction but couldnt because it was already in dispute with my bank and I gave that information to chime dispute team as well. Yet I was still denied with the only explanation being they found no error i rebutted and asked for the information used in the investigation and I was again denied the following day and still no information about the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Improper use of report In accordance with the Fair Credit Act, this creditor has violated my rights u

nder 15 U.S.C 1681 section 602. States I have the right to privacy. 15 U.S.C 1681 section 604a section 2 states a consumer report agency can not furnish an account without my written instruction.

Under 15 U.S.C 1666 b, a creditor can not treat a payment on a credit card under an open edit plan as late for any purpose.

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 2023-03-16 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: FL

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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-03-16 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: FL

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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 2023-03-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CO

Complaint narrative:
I have been trying unsuccessfully for the better part of two weeks to get multiple deposits from hotels to be released back into my account after the hotels have already settled their transactions. I have contacted the company numerous times only to be told that I must wait 14 days even though the transaction is already settled or I can provide a receipt I provided multiple receipts and every receipt I provided they said something on it was wrong and refused to cancel the transaction. I have also waited the 14 days and every time I try to get the transaction canceled they either make up a new date saying that I must wait longer or outright ignore me I have provided them with multiple forms of evidence through screenshot and they ignore them and will not look at them. They are bullies what they are doing is criminal I have spoken to XXXX on the phone and through chat I have screenshots of all conversations through chat. Just today I tried to have {$50.00} returned to me that they have held for 14 days dated XX/XX/XXXX I have proof of this and even sent it to them. They ignored it and refused to acknowledge it. They currently have two separate {$50.00} deposits that have already settled in the transaction history one, the 14 days is up the second one the 14 days is up tomorrow. But it's not just about this it's about the fact that they are absolutely refusing to do the very things they say they are going to do and that their customer service outright ignores evidence that they themselves requested. I have attached in this complaint multiple instances of them outright ignoring evidence being rude dismissive and not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

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 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 an 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 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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-03-16 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: Credit Karma, LLC
State: ID

Complaint narrative:
Received report from credit karma and found three medicial collections no my account. I disputes them of transuion and they were taken off. I waited of 6weeks and karma credit still reported them. I again called transuion and they told me today the were not on the report. Nophone number or answer form karma. I want them to delete the account not showing on my report. 

Thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
i am a customer of Chime Bank for over 1 year! For 1 whole year, I have been a loyal bank customer with them, having my checks direct deposited into my checking account. I filed my taxes, and my taxes were set to be deposited into my chime checking account I believed to be on XX/XX/XXXX. in which, it was deposited! The next day as I'm going to cash my last check because I have been let go from my employer i received an email from chime stating that my account and funds are on hold! i proceed to call them to get an explanation in which they said that my account is being closed along with taking my tax refund that i worked all year for! I reached out to see what can be done to get my funds back and account and they generated a link to my email stating that they need two types of ID, proof of address, a selfie with today 's date, and a PDF stating where the funds came from and when it was deposited, ( although this is a national bank that is aware and documented what funds are being deposited into accounts knowingly that the IRS sent me my tax refund ) I still proceeded to work with them and sent them all information needed for them so i can regain access to my funds! ( they took my funds on the 1st of the month knowing i was just let go of my job and rent is due along with a whole list of other things ) I have called and emailed them and they seem to disregard all communications with me, not responding to my emails, generating a document link which i have completed on XX/XX/XXXX and they continue to ignore my phone calls and refuse to transfer me to a supervisor. I'm in need of help immediately i am going to get evicted from my house and have my cars repossessed and credit cards closed if i don't get help into getting my refund back. what they are doing is unlawful and disgusting ruining people 's lives and stealing from the hard-working class!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Milestone Credit Card underwriter Gensis Bank Card is illegally holding my payments for 14 days when I sent them proof my payment has already cleared my account. They still will not release the funds and are charging me interest on the incorrect balance and not applying the available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius has repeatedly posted items to my credit report although my insurance has paid the debt according to the claims of benefits that I receive and keep copies of however they immediately post derogatory collection notices on my credit reports although this is medical debt and by law should not have a negative affect on my credit 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 explanation