vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.

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 2024-11-25 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: NH

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts were opened in my name without my authorization. I contacted all three major credit bureausExperian, XXXX, and XXXX dispute these accounts and provided supporting documentation. XXXX promptly investigated my disputes and removed the fraudulent accounts from my credit report. However, Experian, XXXX continues to report the accounts as " verified '' despite my efforts to provide proof of identity theft. One of the fraudulent accounts is with XXXX XXXX XXXX. Despite this, Experian, XXXX, has not taken action to remove the account from my credit report. I have requested Experian, XXXX, provide documentation and the " method of verification '' for these accounts under my rights in the Fair Credit Reporting Act ( FCRA ), but they have not provided a satisfactory response. This inaccurate reporting by Experian, XXXX, is causing significant harm to my credit profile and adding undue stress. I request the CFPB 's assistance in ensuring that Experian, XXXX, : Conducts a thorough investigation into the disputed accounts. Removes all fraudulent accounts from my credit report, including the XXXX XXXX account. Provides a detailed " method of verification '' for how these accounts were verified.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: AL

Complaint narrative:
My funds were stolen out of my account in large amounts i filed three disputes with these guys and I also provided my police report proving that these charges was not me at all and my phone was stolen as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-11-25 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$3500.00} XXXX. XXXX XXXXXXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXXXXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXXXXXX XXXX XXXXXXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2900.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$210.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2700.00}

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report the inquires are not mines and are fraud. 

Inquiry details XXXX XXXX  ( Auto ) XX/XX/2024 XXXX  CA ( Finance ) XX/XX/2024 XXXX  CA ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX  ( Bank ) XX/XX/2024 XXXX  XXXX  ( Finance ) XX/XX/2024 XXXX ACCEPT ( Finance ) XX/XX/2024 XXXX ( Finance ) XX/XX/2024 XXXX  CA ( Finance ) XX/XX/2024

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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2024-11-25 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC
State: GA

Complaint narrative:
I joined XXXX XXXX company around XX/XX/2023. XXXX would send us option trades to follow and trade. They guaranteed positive results with a money back guarantee if the client lost money. Within six months I lost over {$7000.00}. I then contacted XXXX XXXX to ask for my money and advised them I was cancelling my subscription. They refused to return my money or cancel my subscription and sent me for collection. I then contacted the collection agency to explain what happened but to no avail. As a result of this my credit rating has suffered and my creditors raised my interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
Rent Recovery Solution. Dear XXXX, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
I am writing to formally request the removal and blocking of the following accounts from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts have been compromised and/or associated with identity theft. 
Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX BANK o Account Number : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00} 2. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00} 3. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I am writing to formally request the removal and blocking of the following accounts from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts have been compromised and/or associated with identity theft. 
Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX BANK o Account Number : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00} 2. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00} 3. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00}

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2024 XXXX misapplied my monthly mortgage payment. I have two loans with XXXX and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I couldnt believe it when I saw an account on my credit report thats either completely wrong or not mine. Its unfairly damaging my credit, and I need this fixed fast.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: 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. 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 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 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX, executor and paramount title holder to the XXXX XXXX XXXX XXXX . An application for extension of credits was submitted on XX/XX/year> to America First Finance for the benefit of XXXX XXXX XXXX by way of XXXX XXXX XXXX XXXX. This extension of credit was for the purchase of goods and services, for personal, family, and household purposes. After extensively reviewing the terms & conditions in comparison to my protections under the Consumer Credit Protection Act, it is evident that full disclosure was not given regarding the true cost of the credit. This caused an uninformed decision to be made regarding my relationship with XXXX XXXX XXXX XXXX, American First Finance and its affiliates. Agents within both companies attempted to inform me that I am supposed to make monthly payments on the agreement using legal tender. The information and forms given to me by the companies are false and misleading because the amounts for good and services resulting from transaction were already satisfied at the inception. Any monthly interest should have automatically been transferred to settle the monthly principal balance. I recently received a notice from American First Finance stating that my account is at risk of charging off due to past due amounts. How can this be? How can an extension of credit resulting from an electronic funds transfer account to a credit plan be past due? It can not be anything other than a billing error due. I am seeking remedy to place this account in a do not pay/do not collect status. And for any outstanding balances to be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NH

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts were opened in my name without my authorization. I contacted all three major credit bureausXXXX, Equifax, and XXXXto dispute these accounts and provided supporting documentation. XXXX promptly investigated my disputes and removed the fraudulent accounts from my credit report. However, XXXX, Equifax continues to report the accounts as " verified '' despite my efforts to provide proof of identity theft. One of the fraudulent accounts is with XXXX XXXX XXXX. Despite this, XXXX, Equifax, has not taken action to remove the account from my credit report. I have requested XXXX, Equifax, provide documentation and the " method of verification '' for these accounts under my rights in the Fair Credit Reporting Act ( FCRA ), but they have not provided a satisfactory response. This inaccurate reporting by XXXX, Equifax, is causing significant harm to my credit profile and adding undue stress. I request the CFPB 's assistance in ensuring that XXXX, Equifax, : Conducts a thorough investigation into the disputed accounts. Removes all fraudulent accounts from my credit report, including the XXXX XXXX account. Provides a detailed " method of verification '' for how these accounts were verified.

Company response to consumer: Closed with explanation