vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-14 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: WI

Complaint narrative:
XXXX XXXX XXXX- As per guidance from the Consumer Financial Protection ( CFPB ) the document needed and the letter from an advocacy group helping me due to Debt Bondage falls under trafficking according to Trafficking-Debt final rule 1002.142 ( b ) -5-1002. 142 ( b ) ( 7 ). Please block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a debt bondage victim and would like all listed accounts to be blocked and deleted company information Transunion. Please delete XXXX XXXX bal. XXXX, XXXX C system XXXX. XXXX, XXXX bal. XXXX, XXXX Bankruptcy XXXX, ( XXXX XXXX Nel Net bal. XXXX, bal. XXXX, bal. XXXX, XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. XXXX, XXXX ) are all student loans. I see the separate sheet for accounts. I have attached a copy of the FTC # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from debt bondage.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
The date XXXX was legally forced to transfer the account to XXXX is XX/XX/2024. 

The date of account payoff and closure is XX/XX/2024. 

The credit reporting agencies have incorrect information ; XXXX is XX/XX/2024, XXXX has XX/XX/2024, and XXXX has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/2024. See attached.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
Dear Jefferson Capital Systems XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am writing to dispute a charge-off listed on my credit report by COMENITY BANK/XXXX  and XXXX address an additional concern regarding the non-receipt of a XXXX form. According to my records, this account was charged off, but I have not received a XXXX form, which should have been issued if the debt was canceled or forgiven. 

The details of the disputed charge-off are as follows : Account XXXX : ... XXXX Creditor : COMENITY BANK/XXXX 

Under the guidelines of the Fair Credit Reporting Act ( FCRA ) and the IRS regulations, creditors are required to issue a XXXX form for canceled debts over {$600.00}. The absence of this form raises questions about the validity of the charge-off and its reporting on my credit report. 

I request the following actions : XXXX into the accuracy and legitimacy of the reported charge-off. 
XXXX from the creditor regarding the issuance of the XXXX form or confirmation that the debt was not canceled. 
Removal or correction of the inaccurate information if the creditor can not provide proper documentation. 
Thank you for your attention to this matter. Please keep me updated on the progress of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-14 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: CA

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant 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 explanation
Consumer complaint received 2025-01-14 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-14 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: TX

Complaint narrative:
XX/XX/year> I sent {$2000.00} to myself in XXXX using Sendwave app connected to my bank account. I could not receive the money because there was XXXX dollars available at the time in the whole city After sometime passed sendwave cancelled the transfer. But right before that happened my XXXX XXXX  at the time XXXX closed my bank account for an unrelated reason. So the refund never reached my bank because the account had already closed down. 

I talked to send wave and they insist that they sent out the refund. I told them that the account had closed down. They dont want to give me my refund. 
They refunded me the fees from that transaction by check form for {$14.00}.. That is all they have given me and rthis appears to have been a consent order from CFPB. It is called RE : Chime , Inc. d/b/a Sendwave, File No. 2023-CFPB-0012. They send me {$14.00} only. I want my {$2000.00} refund please. The bank says they had closed so they do not have the money and never received it. Sendwave says it was sent. Meanwhile I am out of {$2000.00}. I want my money back. Please help me get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To Whom It XXXX Concern, Subject : Complaint Regarding Experians Non-Compliance with FCRA and Improper Dispute Handling Practices I am filing this complaint to report Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and address the persistent inaccuracies in my credit report despite multiple dispute attempts. 

1. Background of the Issue : I have sent multiple dispute letters to XXXX requesting investigation and correction of inaccuracies on my credit report. These disputes were made under the rights provided by the FCRA, specifically : 15 USC 1681e ( b ) : Failure to maintain accurate credit reporting practices.

15 USC 1681s-2 : Responsibility of furnishers of information to provide accurate data.

15 USC 1681i ( 5 ) : Obligation to investigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Requirements for the appropriate handling of outdated or prohibited information. 

Despite providing detailed documentation and supporting evidence, XXXX has failed to properly investigate the disputes, as required by law. In some instances, errors that were briefly removed were subsequently reinserted without proper notice. 

2. Reference to CFPBs Recent Lawsuit : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against XXXX, alleging systemic failures in their dispute investigation process ( " CFPB Sues XXXX for Sham Investigations of Credit Report Errors, '' XX/XX/year> ). This lawsuit highlights practices that closely align with my experience, including : Improper handling of consumer disputes. 

Failure to conduct reasonable investigations into reported errors. 

Re-inserting previously corrected inaccuracies without notifying consumers. 

3. Impact on Me : XXXX actions have caused significant harm, including : Lowered credit scores, which affect my ability to secure credit, housing, and employment. 

Emotional distress and frustration from repeated attempts to resolve the issues. 

4. Requested Resolution : I request the CFPB to : Investigate Experians handling of my disputes and compliance with FCRA. 

Ensure that XXXX corrects all inaccuracies on my credit report permanently. 

Impose any necessary penalties or corrective actions to prevent future non-compliance. 

Attached to this complaint are copies of : My original dispute letters. 

Responses ( if any ) received from XXXX. 

Evidence of inaccuracies on my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure my rights as a consumer are protected. 

Sincerely, 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 2025-01-14 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: WA

Complaint narrative:
To Whom It XXXX Concern, Subject : Complaint Regarding Experians Non-Compliance with FCRA and Improper Dispute Handling Practices I am filing this complaint to report Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and address the persistent inaccuracies in my credit report despite multiple dispute attempts. 

1. Background of the Issue : I have sent multiple dispute letters to XXXX requesting investigation and correction of inaccuracies on my credit report. These disputes were made under the rights provided by the FCRA, specifically : 15 USC 1681e ( b ) : Failure to maintain accurate credit reporting practices.

15 USC 1681s-2 : Responsibility of furnishers of information to provide accurate data.

15 USC 1681i ( 5 ) : Obligation to investigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Requirements for the appropriate handling of outdated or prohibited information. 

Despite providing detailed documentation and supporting evidence, XXXX has failed to properly investigate the disputes, as required by law. In some instances, errors that were briefly removed were subsequently reinserted without proper notice. 

2. Reference to CFPBs Recent Lawsuit : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against XXXX, alleging systemic failures in their dispute investigation process ( " CFPB Sues XXXX for Sham Investigations of Credit Report Errors, '' XX/XX/year> ). This lawsuit highlights practices that closely align with my experience, including : Improper handling of consumer disputes. 

Failure to conduct reasonable investigations into reported errors. 

Re-inserting previously corrected inaccuracies without notifying consumers. 

3. Impact on Me : XXXX actions have caused significant harm, including : Lowered credit scores, which affect my ability to secure credit, housing, and employment. 

Emotional distress and frustration from repeated attempts to resolve the issues. 

4. Requested Resolution : I request the CFPB to : Investigate Experians handling of my disputes and compliance with FCRA. 

Ensure that XXXX corrects all inaccuracies on my credit report permanently. 

Impose any necessary penalties or corrective actions to prevent future non-compliance. 

Attached to this complaint are copies of : My original dispute letters. 

Responses ( if any ) received from XXXX. 

Evidence of inaccuracies on my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure my rights as a consumer are protected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX  Bank Account # XXXX date opened XXXX bal. {$0.00}, XXXX debt Account XXXX : XXXX date opened XXXX bal. {$540.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$470.00}, financial health fcu Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, indiana XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : regionalac, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX fcu, brclysbankde, ally financial, XXXX, global lending service, wells fargo dealer, syncb/paypal, jpmcb auto, exeter fin, first premie, XXXX motor XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-14 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: NJ

Complaint narrative:
I am writing to you as the holder of the following accounts : Account number XXXX CREDIT CARD Account number XXXX CREDIT CARD The purpose of this letter is to report an issue negatively impacting my credit reports. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

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