vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: MA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: AL

Complaint narrative:
I WENT TO AQUIRE FUNDS AT LENDMARK FINANCIAL SERVICES, LLC ON THE DATE OF XX/XX/XXXX AND XX/XX/scrub>XX/XX/XXXX. ON XX/XX/XXXX I WENT TO AQUIRE A VEHICLE AND ON THE DATE OF XX/XX/scrub>XX/XX/XXXX I WENT TO AQUIRE FUNDS. BOTH TRANSACTIONS INVOLVED MY SOCIAL SECURITY NUMBER. I HAVE BOTH PROMISSORY NOTES AND IM CONFUSED ABOUT THE AGREEMENT BETWEEN ME AND LENDMARK FINANCIAL SERVICES LLC. MY PAYBACK ON BOTH ASSETS IS DOUBLE THE FUNDS I NEEDED. IS THAT ILLEGAL IN ALABAMA OR THE UNITED STATES LAW? 

USC CODE 9-102 ( A ) 65 ALABAMA CODE TITLE 8.COMMERCIAL LAW AND CONSUMER PROTECTION 8-8-12 ( A ) ( B ) ( a ) Except as otherwise permitted by law, all contracts for the payment of interest upon the loan or forbearance of goods, money, things in action, or upon any contract whatever at a higher rate than is prescribed in this chapter are usurious and can not be enforced except as to the principal. 
( b ) The borrower of money at a usurious rate of interest shall not in any case be required to pay more than the principal sum borrowed, and if any interest has been paid, the same must be deducted from the principal and judgment entered for the balance only ; provided, however, that the defense of usury may not be pleaded against a holder in due course of any negotiable instrument. 

PUBLIC POLICY HJR - 192 IM LOOKING TO GET THIS RESOLVED IMMEDIATELY PLEASE. I WILL INFORM THEM BY MAIL AS I DID VERBALLY. PLEASE FOLLOW UP WITH ME AS SOON AS POSSIBLE. PLEASE FOLLOW UP WITH LENDER AS WELL TO LET THEM KNOW YOU ARE INVESTIGATING THESE ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
I am writing to file a complaint regarding the violation of my privacy rights by the third-party collection agency Diversified Adjustment Services . 

I previously opted out and revoked authorization for XXXX to share my personal information with third parties. Despite this, it appears Diversified Adjustment Services has obtained my protected personal information including Social Security Number, date of birth, name, and address from XXXX and used it without my consent to generate a consumer report. There is a collection account listed on my credit consumer credit report in the amount of {$870.00} listing XXXX XXXX as the original creditor.

I have never had any relationship or transactions with Diversified Adjustment Services. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, consumer reports may only be prepared for specific permissible purposes, none of which apply in my case.

By procuring my personal information without authorization and generating a consumer report without my written consent Diversified Adjustment Services appears to be in violation of : - FCRA Section 1681b - impermissible purpose - FCRA Section 1681e ( a ) - failure to maintain reasonable procedures - 15 U.S.C. 6802 ( a ) - disclosure of private information without consent 18 U.S.C. 1028 ( a ) - unlawful transfer of identification document 18 USC 894- conspired to extort money unlawfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
I am writing to formally dispute the presence of a charged-off account on my credit report. I believe there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681eb.

I have reviewed my credit report, and the aforementioned account is adversely affecting my creditworthiness. I am disputing the accuracy of this information for the following reasons : 1. Lack of Verification : I request that creditor provide verification of the charged-off account in question, including the date of first delinquency, and any other relevant information supporting the accuracy of this entry.

2. Non-Receipt of 1099-C Form : As of XX/XX/2024, I have not received a Form 1099-C ( Cancellation of Debt ) from the creditor for the charged-off debt. According to IRS guidelines, creditors are required to provide this form when a debt is cancelled or forgiven. Failure to do so may violate tax regulations.

3. Violation of 15 USC 1681eb : I believe that the reporting of this charged-off account without proper verification and documentation may be a violation of the Fair Credit Reporting Act, specifically 15 USC 1681eb . I request that the creditor investigate this matter thoroughly.

Please provide a detailed investigation into the accuracy of the reported charged-off account, and if it is found to be inaccurate or incomplete, I request its prompt removal from my credit report.

Additionally, I request that you investigate the failure of this Creditor to provide the Form 1099-C, as this may have tax implications for which I am not currently informed.

I appreciate your attention to this matter and expect a timely response within the XXXX period stipulated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me of the 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, TransUnion, and XXXX. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, XXXX, and Equifax. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email from Chime Financial Inc. welcoming me to community and letting me know I could fund my account on XX/XX/2024 at XXXX PST. I have never dealt with Chime, contacted them, nor tried to open an account with them. 

After several other generic emails about credit building and logging in, I was then emailed a direct deposit enrollment form, complete with an account number and routing number. This was at XXXX on XX/XX/2024. As soon as I saw the email I called Chime at XXXX PST on XX/XX/2024. They wanted to verify my account with my social security number, but I wouldn't give it to them. They said my birth date was enough to verify. Then without any other questions or verification, they said they would close the account and send a confirmation email. 

I have not yet had any money taken out of any of my other bank accounts. I was not notified by Chime that I had a balance, so I hope that the fraudulent account doesn't cost me money. But how on earth is someone opening checking accounts in my name with all 3 credit bureaus frozen?? This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30 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: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-01-30 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: PA

Complaint narrative:
The situation in my credit report is causing deep distress and profound disappointment. It is not only highly embarrassing but clear that either you or the company is accountable for reporting this inaccurate information. Please remove any late payment notations and update the status to " paid now '' or " as agreed. ''

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 2024-01-30 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: NJ

Complaint narrative:
Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear XXXX XXXX XXXX I , XXXX XXXX , am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that XXXX  XXXX XXXX is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing.

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute.

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience.

Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent XXXX a copy of my copy B as evidence that my student loans with the department of education were completely discharged and should be marked paid as agreed, as the current status is showing delinquent payments, which is hindering my ability to utilize my credit, which is causing me serious harm. 

Since XXXX is the loan services who is actually reporting on my credit and not the Department of Education who is the original furnisher of the loan, II sent evidence of my copy B to the loan servicer. Seeing as they have access to my credit report and it must be as accurate as possible when they are aware that information may be reporting incorrectly, I am expressing the GRAVE duty they have in maintaining my credit report, as they have Assumed the role in credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent XXXX a copy of my copy B as evidence that my student loans with the department of education were completely discharged and should be marked paid as agreed, as the current status is showing delinquent payments, which is hindering my ability to utilize my credit, which is causing me serious harm. 

Since XXXX is the loan services who is actually reporting on my credit and not the Department of Education who is the original furnisher of the loan, II sent evidence of my copy B to the loan servicer. Seeing as they have access to my credit report and it must be as accurate as possible when they are aware that information may be reporting incorrectly, I am expressing the GRAVE duty they have in maintaining my credit report, as they have Assumed the role in credit reporting

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the presence of a charged-off account on my credit report. I believe there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681eb. 
I have reviewed my credit report, and the aforementioned account is adversely affecting my creditworthiness. I am disputing the accuracy of this information for the following reasons : 1. Lack of Verification : I request that creditor provide verification of the charged-off account in question, including the date of first delinquency, and any other relevant information supporting the accuracy of this entry.

2. Non-Receipt of XXXX  Form : As of XX/XX/2024 I have not received a Form XXXX  (
Cancellation of Debt ) from the creditor for the charged-off debt. According to IRS guidelines, creditors are required to provide this form when a debt is cancelled or forgiven. Failure to do so may violate tax regulations. 
3. Violation of 15 USC 1681eb : I believe that the reporting of this charged-off account without proper verification and documentation may be a violation of the Fair Credit Reporting Act, specifically 15 USC 1681eb . I request that the creditor investigate this matter thoroughly.

Please provide a detailed investigation into the accuracy of the reported charged-off account, and if it is found to be inaccurate or incomplete, I request its prompt removal from my credit report. 
Additionally, I request that you investigate the failure of this Creditor to provide the Form XXXX, as this may have tax implications for which I am not currently informed. 
I appreciate your attention to this matter and expect a timely response within the 30-day period stipulated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me of the 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
I sent EDfinancial a copy of my copy B as evidence that my student loans with the department of education were completely discharged and should be marked paid as agreed, as the current status is showing delinquent payments, which is hindering my ability to utilize my credit, which is causing me serious harm.

Since EdFinancial is the loan services who is actually reporting on my credit and not the Department of Education who is the original furnisher of the loan, II sent evidence of my copy B to the loan servicer. Seeing as they have access to my credit report and it must be as accurate as possible when they are aware that information may be reporting incorrectly, I am expressing the GRAVE duty they have in maintaining my credit report, as they have Assumed the role in credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: OR

Complaint narrative:
In XX/XX/2023 I was NOT told I could not re open my credit builder card from Chime. I was told you may not be able to re open it thinking I would be able to re open it later.

Chime refused to help me open it. I was not legally told I couldnt re open it. If I would have known I wouldnt have closed it.

Company response to consumer: Closed with explanation