vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: NV

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-11 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: CA

Complaint narrative:
After multiple attempts, Chime keeps on denying my dispute. They claim to have done investigations properly, and yet, the first time, their dispute rejected my claim even before i was able to provide my evidence the same day i submitted my dispute. I submitted my evidence on the rebuttal claim, and its still denied. They claim to have worked with the other institution involved, but i was also talking to the institution and found out that chime didnt ecen attempt to retrieve a XXXX XXXX on the atm that was used to withdraw funds from my account fraudulently nor have chimed, contacted them. 

If they really did what they said they would, then why have i not received the information i have requested regarding the information they used to end up denying my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: VW Credit
State: GA

Complaint narrative:
redit inquiries on your report that you don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-05-11 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: IN

Complaint narrative:
This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2024-05-11 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XX/XX/2023 request for the inquiries to be deleted XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XXXX XXXX XXXX  XX/XX/2023 request inquiries to be removed XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XX/XX/2023 requesting that all these inquiries be removed Was any personal information wrong in your credit report?

When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( XXXX, Experian, XXXX )? 
N

o Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? No Were there any fraudulent accounts included in your credit report? No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit repor
t, XXXX XXXX XXXX, XXXX XXXX Update

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-11 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: LA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX {$350.00} I have no knowledge of this account, i never applied for an apartment, my identity was compromised im asking for removal of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: LA

Complaint narrative:
The Hub at XXXX XXXX XXXX XXXX is claiming I owe over {$4000.00} in delinquent rents and fees for an XXXX I never lived in or signed for.. Information has been reported to XXXX and the other credit reporting companies since XX/XX/2019 claiming in error that I owe money. I never signed a lease, co-signed a lease or lived at the XXXX XXXX  XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, after filing adisputes with XXXX, it was claimed verified that the fraudulent reporting is accurrate, even after the XXXX complex was unable to provide a copy of a lease that I signed nor any proof that I lived in the XXXX XXXX. I submitt that computer IP addresses of transactions made by the subject business regarding the rental of the XXXX is not proof of my occupancy. Without showing a copy of the XXXX  they claimed I signed, the information reported on my credit report should have been removed on my numerous request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
On XX/XX/XXXX, I initiated a money transfer to a bank account in XXXX, using Western Union online services. On XX/XX/XXXX, I received a request for additional information which I provided on XX/XX/XXXX. On XX/XX/XXXX, I spoke to customer service representative at Western Union and have called several times since. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. I requested cancellation of the transaction and was told it can't be canceled because the money is with Western Union 's XXXX bank XXXX XXXX, which has placed a hold on money due to investigation of the transaction. I was told theyhave XXXX days in which to do something with this money. It is not legal for Western Union or their partner bank to hold money with no accountability. I XXXX that I have lost my money. At the very least, this activity is a scam by Western Union and partner bank to use my money, interest free for at least XXXX days. i want my money back. Western Union is telling me they can do nothing. This is not true. They can return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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 was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX and Transunion on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XXXX days, XXXX still haven't responded to my letter. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Delete this account Because of Violation Under 15 USC 1681 ( a ) ( 1 ) ( A )

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 2024-05-11 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: IN

Complaint narrative:
This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2024-05-11 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: IN

Complaint narrative:
This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/year> I sent NCA a letter for debt validation on an item appearing on my credit reports. They received it on XX/XX/year>. I did not receive a response so I mailed another letter on XX/XX/year>, they received it on XX/XX/year>. I did not receive a response so I notified all XX/XX/XXXX credit reporting agencies, sent them copies of all correspondence, and waited for a response. The collection company verified it as accurate. I have not had a response from the collection company as of date, so I asked the credit reporting agencies to send me the proof that the collection agency sent them but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
On XX/XX/2024 I mailed out a dispute to Equifax regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing. SeeXX/XX/XXXXin attachments below. Equifax received my dispute letter on XX/XX/2024 certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. See XX/XX/XXXX( which also shows the numerous attempts to remedy this dispute ). 
XXXX XXXX XXXX speaks on accuracy of the consumer report XXXX XXXX XX/XX/XXXX speaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct. 
XXXX XXXX XXXX ( XXXX XX/XX/XXXXspeaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information. 
XXXX XXXX XXXX ( XXXX ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph XXXXXX/XX/XXXX by not later than XX/XX/XXXX DAYS after receiving a request from the consumer for that description. 
I requested a description of the disputed items pursuant XXXX XXXX XXXX Equifax failed to respond in the satisfactorily time allotted by law furthermore, Equifax has not responded or sent any correspondence at all to my last dispute letter. 
They have completely disregarded my request in not sending me information requested and also directly violated XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXX/XX/XXXX 
XXXX XXXX XXXXXX/XX/XXXXstates that information that can not be verified as accurate or complete must be deleted in XX/XX/XXXX days. 
XX/XX/XXXX Reinvestigations of disputed information ( XXXX ) Reinvestigation required (XX/XX/XXXX In general Subject to subsection (XX/XX/XXXX and except as provided in subsection XX/XX/XXXX, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: CT

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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