vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has continually reported a XXXX dollar debt. In the past they even double reported this debt to my credit report. I've disputed this multiple times and had it removed by the credit reporting agencies, they do not have standing to report this debt. They keep re-reporting the same debt by adjusting the date to a more current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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
Consumer complaint received 2024-08-01 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: SC

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
I have made several attempts to the credit bureaus to investigate and provide accurate information on my consumer report. Last attempt was XX/XX/24 and they reported that they did and updated accordingly. I got a copy of my credit report 2 days ago and was appalled by the amount of inaccuracies listed. Collection accounts listed as " Open '' Balances listed, date last active varies, numerous discrepancies AND inconveniences across the bureaus. It is my right as a consumer to accurate credit reporting. This is damaging to my credit and my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to the credit bureaus to investigate and provide accurate information on my consumer report. Last attempt was XX/XX/year> and they reported that they did and updated accordingly. I got a copy of my credit report 2 days ago and was appalled by the amount of inaccuracies listed. Collection accounts listed as " Open '' Balances listed, date last active varies, numerous discrepancies AND inconveniences across the bureaus. It is my right as a consumer to accurate credit reporting. This is damaging to my credit and my creditworthiness.

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 2024-08-01 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: OH

Complaint narrative:
To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 Account # XXXX {$420.00}. Has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder.

15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions

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 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have disputed this LVNV Funding LLC on my credit report in XXXX XXXX XXXX for the amount of {$900.00}. I have no knowledge of this account and have asked repeatedly for a debt validation letter from the collection agency and the original creditor they have listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
I'm very concerned about this late payment on my account, as I've always been punctual with my payments. Please correct this error and remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NV

Complaint narrative:
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: MO

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a late notice on my credit monitoring service. I NEVER pay accounts late so I called 53rd to see what happened. They stated a payment was late. I asked how and I set up automatic withdrawal. The customer service rep apologized and stated it wasn't set up correctly. They stated it was something on their end which caused the error. He apoligized and asked could he take the payment over the phone. I asked could he check while on the honee with me that I set it up correctly. He did. However they took XXXX deposits out my account, then credited one of them back. 

My credit report is still reporting late but by no fault of mine. The customer service rep stated himself that it was 53rd fault. However, my credit is affected because of this. 

I called and talk to XXXX supervisors and they did not thoroughly investigate the situation and I feel they are hiding the fact that they messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: MD

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

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 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I hope this email finds you well. I appreciate the security measures in place, but my available funds is causing significant inconvenience and i can not withdraw. I would like to bring to your attention to withdraw funds in my PayPal account associated with email address : XXXX I kindly request a thorough review of my account and this is my new account and i already submitted my identity i dont know what was happening to my account. This delay is impacting my ability to meet financial obligations. 

Your prompt attention to this matter is greatly appreciated, and I look forward to a positive resolution. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was charged on my debit card from an unknown biller when trying to file dispute for the transaction I called chime and someone told me I will be receiving a call shortly when receiving the call back from chime I was told to download an app called any desk and from there all my funds was stolen how can chime let that happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
Beginning in XX/XX/year> I became a victim of a multi-layered crypto currency trading platform fraudulent scam, that was advertised on XXXX. 

In the beginning, I sent small amounts of money through XXXX XXXX XXXX, and XXXX to a platform call " XXXX XXXX '' with website of XXXX  Then on XX/XX/year>, I sent from XXXXXXXX XXXX two wire transactions of {$25000.00} and {$13000.00} to XXXX Kraken/ Payward Ventures . Soon after, I learned that I was a victim of a money laundering scam. Had I known, I would never have pursued this path. 

I transferred the money to pay XXXX XXXX so that I could withdraw my winnings over {$120000.00}. I transferred the {$25000.00}. I was not able to send the {$13000.00} balance. 

Immediately after sending the {$25000.00} Kraken notified me by email that they will be closing my account and I should remove all money within 3 days. Kraken returned my {$13000.00} wire transfer. I closed my Kraken account.

Kraken had the opportunity to hold or cancel the suspicious transaction. They could have done more to protect me and my money from money-laundering and falling into the hands of criminals. Had I been advised of the situation, I never would have made the transaction. 

The XXXX Kraken/ Payward Ventures must do more to protect " gullible XXXX  '' from being scammed out of their cash.

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 2024-08-01 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: AL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Collection Information on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information regarding a collection account that appears on my credit report. The collection account in question is identified by XXXX, and I believe it is reported inaccurately. 

The specific inaccuracies are as follows : The reported balance of {$9800.00} is incorrect. According to my records, the correct balance should be {$8500.00}. 
The account status is listed as open on XX/XX/XXXX but it was reported to the credit agency on XX/XX/XXXX. I have requested a copy of the original lease agreement signed by me and a list of charges I was told that the file was destroyed in a fire from preservation square apartments the original company who is reporting this information. 
I have already attempted to resolve this issue directly with the collection agency National Credit Systems, but the inaccuracies remain unresolved. Enclosed are copies of documents supporting my dispute, including a picture of the court docket entre. 

I request that the CFPB assist in correcting this inaccurate information and ensuring that it is removed or updated on my consumer report. Accurate credit reporting is crucial, and this incorrect information is negatively affecting my creditworthiness. 

Please inform me of any steps taken to resolve this issue and provide a written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-01 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: MS

Complaint narrative:
This account was charged off on the following date : XX/XX/year> on XXXX and Reported Paid on Time on date : XX/XX/year> by EQUIFAX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't have an active payment history. This inaccurate information falsely manipulates the statute of limitations. XXXX and Equifax failed to investigate this account property after | asked you to do it THREE times and your neglect has violated my consumer rights. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account decision, if you can not provide me with this information in 15 days I am demanding a deletion of the following account : Accounts Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly take swift action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing me considerable stress.

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