vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: MN

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-07-12 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: MS

Complaint narrative:
Two accounts both XXXX and XXXX I have disputed these accounts for years once they were removed but placed back on to my credit report. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-12 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Regard to the XXXX of a vehicle from Credit Acceptance Corporation

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 2024-07-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Request for Immediate Action on Identity Theft Related Credit Report Disputes Pursuant to FCRA 605B Dear Sir/Madam, I am writing to bring to your attention a critical matter regarding identity theft and the inaccurate information on my credit report maintained by XXXX, TransUnion, and XXXX. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I have formally requested that all negative information resulting from the identity theft be blocked or deleted from my credit report. 

I have submitted detailed information to all three major credit bureaus outlining the accounts that are inaccurately reporting due to identity theft. I have also provided the necessary documentation, including the police report complaint documentation number, as evidence of the identity theft incident. 

It is imperative that the credit bureaus conduct a thorough investigation and take swift action to rectify this situation.

As per the law outlined in FCRA 605B, I am requesting that XXXX, TransUnion, and XXXX block or delete the fraudulent accounts from my credit report within 4 days. 

The burden of proof lies with the credit bureaus to verify and correct this information, as I am diligently working to restore my life and financial well-being following this egregious theft of my identity. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that XXXX, TransUnion, and XXXX comply with the legal requirements set forth under FCRA 605B.

It is crucial that my credit report accurately reflects my financial history and that the negative impact of this identity theft is promptly addressed. I appreciate your attention to this matter and look forward to a swift resolution.

Please do not hesitate to contact me if any further information is required.

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX 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
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Request for Immediate Action on Identity Theft Related Credit Report Disputes Pursuant to FCRA 605B Dear Sir/Madam, I am writing to bring to your attention a critical matter regarding identity theft and the inaccurate information on my credit report maintained by XXXX, XXXX, and Equifax. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I have formally requested that all negative information resulting from the identity theft be blocked or deleted from my credit report.

I have submitted detailed information to all three major credit bureaus outlining the accounts that are inaccurately reporting due to identity theft. I have also provided the necessary documentation, including the police report complaint documentation number, as evidence of the identity theft incident. 

It is imperative that the credit bureaus conduct a thorough investigation and take swift action to rectify this situation. 

As per the law outlined in FCRA XXXX, I am requesting that XXXX, XXXX, and Equifax block or delete the fraudulent accounts from my credit report within 4 days.

The burden of proof lies with the credit bureaus to verify and correct this information, as I am diligently working to restore my life and financial well-being following this egregious theft of my identity.

I urge the Consumer Financial Protection Bureau to intervene and ensure that XXXX, XXXX, and Equifax comply with the legal requirements set forth under FCRA 605B.

It is crucial that my credit report accurately reflects my financial history and that the negative impact of this identity theft is promptly addressed. I appreciate your attention to this matter and look forward to a swift resolution. 

Please do not hesitate to contact me if any further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account XXXX # XXXX, has violated my rights. Account XXXX APARTMENTS # XXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXX CARD # XXXX, has violated my rights. Account XXXX CREDIT # XXXX, has violated my rights. Account XXXX CARD # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I confirmed with the Lightstream that I had the issue with {$50.00} that went to the interest but they confirmed that would go to the principal when I put it on XX/XX/XXXX which I did. I looked up the report that there is no change and I called them ( XXXX - XXXX ) yesterday that it went to the interest. I requested to speak with their supervisor but I was told that the supervisors ( XXXX, XXXX, XXXX, XXXX, XXXX ) were in meeting. I kept telling the {$50.00} should have gone to the loan balance that I can pay off the loan earlier. I asked them to change the balance but they refuse and they assure me that next extra payments will go to principal on payment dues. I need to know what they have done with my {$50.00} since there is no update on the 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 2024-07-12 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: PA

Complaint narrative:
upon reviewing my credit report, I noticed some inquiries that I did not make, I called the bureau and told them about this, and they said it was a statement of fact and that they had nothing to do with it. the inquiries I have are shown below XXXX. XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX I did not make these inquires, they need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion lowered my credit score by XXXX points claiming XXXX accounts closed, XXXX  and XXXXXXXX XXXX XXXX those XXXX accounts were closed over 25 years ago and not now. I sent Transunion a letter to correct it but their response was a XXXX XXXX XXXX ... with no explanation as to the date those accounts were closed. 
I want them to correct it and add back the XXXX points to my score.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX ( XXXX ) ; Correct Account # XXXX ( In the credit report the XXXX XXXX Account XXXX is INCORRECT ) ; XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXXXXXX XXXX XXXX  to the Debt Collector XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account is XXXX, {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX, {$98000.00} Charged off ( C/O ) XXXX XXXXXXXX XXXX Correct Account XXXX XXXX ( In the credit report the XXXX XXXX Account XXXX XXXX is INCORRECT ) {$100000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXXXXXX XXXX XXXX to this Debt Collector ) XXXXXXXX XXXX XXXX ( aka XXXXXXXX XXXX ) Account is XXXX, {$69000.00} Charged off ( XXXX  ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2024-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I used my credit builder card to get a rental from XXXX. I was charged upfront. I had a situation come up on the day I was suppose to return therefore i wouldnt make it back to XXXX in time to return the vehicle. I called XXXX to do an extension, XXXX told me thats fine, theyll charge me the cost of the rental when I get to the location. Instead they charged my card {$1100.00} on XX/XX/XXXX. I sent the bank a copy of my receipt from XXXX. My card is locked and it has been locked all of this time. Chime allowed XXXX to take money that I didnt have in my account. My card is locked and my account is already over {$800.00} in the negative. Chime continued to allow chime to take unauthorized payments out of my account for things I have no idea im being charged for. XX/XX/XXXX XXXX took {$140.00}, my card is locked and I have a negative balance. XX/XX/XXXX XXXX took {$19.00} cents, my account is locked, I never authorized this transaction, in fact Im on XXXX do not rent list. On XX/XX/XXXX XXXX took {$150.00} more and chime is just authorizing these transactions. Im now in the negative, if I disputed these transactions, telling you they arent authorized, I dont even have the balance to cover them, my account is in pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: FL

Complaint narrative:
Received notice that they were given my information from my creditor. Have no proof of the debt when I told them I wanted it and disputed it online through a credit reporting agency. Got no response. I keep getting calls, multiple times per day. When I block, a new number calls. This is harassment and I intend to continue to dispute this debt, and want them to cease and desist any forms of contact until I have proof of debt, as well as only contact me via standard mail.

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 2024-07-12 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-07-12 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: GA

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 Number : XXXX XXXX Account Name : XXXX and 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 non-monetary relief
Consumer complaint received 2024-07-12 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: GA

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 Number : XXXX XXXX Account Name : XXXX and 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 2024-07-12 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look 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 2024-07-12 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
For almost two years I have been trying to dispute LVNV FUNDING LLC. This company has never sent me a debt validation letter and when I tried contacting a year ago either they said this debt is with another agency or they cant provide the validation I'm asking for. I have sent multiple letters that I have proof of and XXXX has also failed to investigate this and show me proof of the steps that were taking to investigate this debt. The dispute is updated to inaccurate information. 
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove this from my credit report now.

Company response to consumer: Closed with non-monetary relief