vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute and request the investigation of a bankruptcy listing that has appeared on my credit report. Upon reviewing my credit report, I noticed that there is an inaccurate bankruptcy notation, which is negatively impacting my creditworthiness. I am hereby exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a thorough investigation into this matter. 

Details of the Dispute : XXXX XXXX XXXX XXXX Reference # 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 2024-03-18 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: MD

Complaint narrative:
Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( XXXX ). 
This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( XXXX, XXXX, Transunion ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.

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 2024-03-18 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: MD

Complaint narrative:
Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( XXXX ). 
This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( XXXX, Equifax, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: MD

Complaint narrative:
Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( s ).

This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( Experian, XXXX, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.

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 2024-03-18 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: CA

Complaint narrative:
I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged : XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiry that are being challenged : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiry that are being challenged : 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 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( s ).

This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( Apple Card/Goldman Sachs ) may have had or is having with and reporting to third party corporations ( XXXX, XXXX, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their unauthorized sharing of my nonpublic personal information with nonaffiliated third parties and consumer reporting agencies include any third-party. I have taken appropriate steps to exercise my right under 15 united state code 6802 of the Gramm Leech Bliley Act GLBA to opt any, and all out of such information sharing and I believe my privacy rights have been violated On XX/XX/2024 I notified XXXX that I am opting out of any and all authorization rather written, unwritten, verbal or nonverbal for the sharing of my nonpublic, personal information with nonaffiliated third-partys, including consumer reporting agencies for any purpose, other than those necessary to provide me with financial products or services. I provided this opt out notice, accordance with the legal requirements outlined in 15 united state code 6802, and I have retained documentation of my communication with the institution. Despite my explicit opt out request and my clear assertion of my rights under the Gramm Leech Bliley Act I have reason to believe that XXXX has continue to furnish my nonpublic personal information to the nonaffiliated, third parties and consumer reporting agencies without my consent. This unauthorized sharing of my non public personal information, constitutes a serious violations of my privacy rights and a breach of the federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for Identity theft fraud, or other financial harm. I kindly request that the consumer, financial protection bureau, investigate this matter thoroughly and take appropriate actions to ensure that XXXX complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation, and any actions taken to address the violations committed by XXXX please feel free to contact me via email at XXXX If you require any further information or documentation to proceed with the investigation, I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

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 2024-03-18 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: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their unauthorized sharing of my nonpublic personal information with nonaffiliated third parties and consumer reporting agencies include any third-party. I have taken appropriate steps to exercise my right under 15 united state code 6802 of the Gramm Leech Bliley Act GLBA to opt any, and all out of such information sharing and I believe my privacy rights have been violated On XX/XX/year> I notified XXXX that I am opting out of any and all authorization rather written, unwritten, verbal or nonverbal for the sharing of my nonpublic, personal information with nonaffiliated third-partys, including consumer reporting agencies for any purpose, other than those necessary to provide me with financial products or services. I provided this opt out notice, accordance with the legal requirements outlined in 15 united state code 6802, and I have retained documentation of my communication with the institution. Despite my explicit opt out request and my clear assertion of my rights under the Gramm Leech Bliley Act I have reason to believe that XXXX has continue to furnish my nonpublic personal information to the nonaffiliated, third parties and consumer reporting agencies without my consent. This unauthorized sharing of my non public personal information, constitutes a serious violations of my privacy rights and a breach of the federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for Identity theft fraud, or other financial harm. I kindly request that the consumer, financial protection bureau, investigate this matter thoroughly and take appropriate actions to ensure that XXXX complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation, and any actions taken to address the violations committed by XXXX please feel free to contact me via email at XXXX If you require any further information or documentation to proceed with the investigation, I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OR

Complaint narrative:
On XX/XX/2024, I received an email telling me my account email address and phone number had been changed. I called and let them know, that was not me. A couple of hours later, I watched {$1600.00} being taken out of my savings and put into my checking. I called again, they told me not to worry. I woke up on XXXX  and there was a purchase for {$1500.00}. I called again, they told me it was being handed over to the security department. I locked the card. I woke up XXXX  morning and there were XXXX more purchases for the total amount of {$2200.00}. Once again, I called and demanded they shut down the account. They told me a new debit card was being mailed. I have been in contact with them every day since and I am getting nowhere. All they tell me is " our security team is working on it. '' I am living off of my credit card and will have no way to make the payment when it is due, let alone pay the bill. 
Credit Karma is supposed to be protecting me, I feel like they aren't doing a thing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IN

Complaint narrative:
I was contacted by XXXX  on behalf of XXXX claiming that I owe {$400.00}. I do not know where this debt came from -- it is not mine.

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 2024-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
I called on XX/XX/18 to get info on a debt from my credit report. I told them the amount was incorrect and asked how I could fix it. She said I could only settle the amount.That she has documentation to prove its correct. I said I have documentation showing its not correct and would like it fixed. She still said only option is to settle. I then asked if she could send me info on the interest the company is charging me and she said no. She said I can XXXX it and its my problem they dont have to send me any of the information Im requesting. Very rude lady and didnt not want to help me at all to get this debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX || Account # : XXXX - XXXX  || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX  || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX  || Account # : XXXX - XXXX XXXX  || Account # : XXXX - XXXX XXXX  || Account # : XXXX XXXX XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX FIN XXXX || Account # : XXXX - XXXX XXXX XXXXXXXX || Account # : XXXX - XXXX XXXX ( Original Creditor : XXXX XXXX || Account # : XXXX - XXXX ( Original Creditor : XXXX XXXX ) || Account # : 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One- I sent them a certified letter on XX/XX/24 requesting that they provide me with the original creditors contract with my signature. I also requested to provide me the original pay history and proof of assignment. They responded back with letter dated XX/XX/24 with their contact with my signature not the original creditor. They also sent their pay history not the original creditor. 
Please assist in getting this information so I can make sure it is accurate. 

My XXXX report is reporting many inaccurate information on many accounts. Please assist in getting this corrected. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation