vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received email notification that a checking account had been opened in my name with Chime. I immediately called Chime and request that the fraudulent account be closed, however Chime refused to provide me any information regarding the account other than they had closed it. Per Chime advertisement, they issue both a debit card ( within 1 day ) and credit card when you open a checking account without running a credit check or XXXX XXXXXXXX XXXX. I am concern that they issued these cards without proper credit bureau verification to whomever ( anyone ) sets up an this fraudulent account, especially with all the data breach and identity thief that is happen on a regular basis. Even thought the checking account was closed per Chime, there is still a potential that the identity thief could use either of these cards ( debit or credit ) issued by Chime to cause damage to my financial reputation. Companies like Chime should not be allow by law to open checking accounts, or issue debit or credit cards without performing the proper credit bureau checks that are in place to protect consumers from fraud / identity thief. This type of financial offering encourage Identity thief since there is no way for me as a consumer to protect myself from this fraud. I have spend in excess of 6 hours today put fraud alert on my credit profile with the credit bureau and other agencies, which is not fair to me as a consumer because of Chime 's flagrant disregard for protecting consumers from identity thieves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
.Legal Procedure for Disputed Information under XXXX XXXX Code XXXX, CFPB Guidelines, and Consumer Protection Laws : Alleged Non-Compliance by Experian and XXXX XXXX XXXX legal landscape surrounding disputed credit information, collection practices, and charge-offs is multifaceted, encompassing federal statutes, regulatory guidelines set by the Consumer Financial Protection Bureau XXXX CFPB XXXX, and consumer protection laws. The recent allegations of non-compliance by Experian and XXXX XXXX in relation to these laws have cast a spotlight on the intricate interplay of these regulations. 

Section XXXX of XXXX XXXX of the United States XXXX outlines the mandatory steps for addressing disputed credit information. Simultaneously, the CFPB enforces regulations aimed at safeguarding consumers ' rights and ensuring fair credit reporting practices. The alleged actions of Experian and XXXX XXXX, if verified, could potentially run afoul of these legal requirements, compromising consumers ' trust and rights. 

It has been asserted that Experian may not be upholding its obligations with the necessary diligence, potentially infringing upon provisions set forth under the Fair Credit Reporting Act ( FCRA ). Moreover, the purported refusal by these credit reporting agencies to acknowledge disputes submitted by individuals might contravene the FCRA 's intent of addressing consumer concerns. 

The following account details, along with corresponding account numbers, have been implicated in these disputes : Account name : XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Amidst these allegations, it is imperative that individuals facing credit inaccuracies, collection actions, or charge-offs familiarize themselves with their rights as outlined in various consumer protection laws. By seeking legal counsel, individuals can ascertain the veracity of these claims and explore potential legal avenues for remediation. 

In light of the comprehensive legal framework in place, it is essential that Experian, XXXX XXXX, and all entities involved in credit reporting adhere to their obligations. Upholding the FCRA, CFPB guidelines, and broader consumer protection laws ensures not only the accuracy of credit information but also the protection of consumers ' financial well-being and 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 explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent the letters off on this day XXXX XXXX i told them to investigate my account and they said they investigated it but according to the law they didnt do the proper investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 15 usc 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax didnt investigation into a Tradeline that was on my credit report from XXXX XXXX Just tried mine used to be a closed account which I said it was not mine. There was no money owed on the account the account reflective XXXX. I challenged it to Equifax to get the XXXX removed. The investigation Equifax did simply labeled the account as a collection account with a XXXX balance.. the account cant be a collection account if theres no money owed. The information that they reported to the credit report, even after the investigation is still wrong and false information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have multiple dings on my credit as collections that are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I had purchased furniture from XXXX and XXXX. They use genesis financial services. When I received my account in the mail, I went to put in an online account. It would not take it I called. XXXX and XXXX had entered the correct Social Security number. I have verified that it was somebody on genesis side that had put it in incorrectly ..They said that I had an incorrect Social Security number. They said the only way that that could be rectified is if I sent in a copy of my drivers license and or a copy of my Social Security card I received a letter on XX/XX/XXXX. I did send in a copy of my drivers license along with a copy identifying me in my account then on the XXXX I received another XXXX stating that I had 30 days to send in my Social Security card I fax that over, that was the only way they were able to correct the error with my Social Security number. It was the last XXXX digits. I received a letter today stating they did receive it however, due to the inconsistencies of the last XXXX digits of the Social Security number, they closed my account. I have done everything that they had asked me to do and I find it appalling that they would just go in close my account. I did speak with a gentleman today who said that someone did try to call me on XX/XX/XXXX however, I never did receive a message if I had I certainly wouldve called back. Ive been dealing with this now for almost 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX  XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting me.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX  XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting me.

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