vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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'm reaching out today to inform you that I've fallen victim to identity theft. Please consider this letter as a formal dispute regarding the following accounts. I've already reached out directly to all the companies involved, as instructed, to address this issue. I've filed an identity theft report with the FTC and have contacted all the companies to dispute the information that shouldn't even be appearing on my file. I kindly request your assistance in resolving this matter. 
Please remove these accounts promptly. Your attention to this matter is greatly appreciated. I apologize for any frustration expressed ; however, these oversights on your part are causing significant financial difficulties for me. 

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
To Whom It XXXX Concern, I would like to start by thanking you for taking your time out to read this. I am writing about deleting inaccurate information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charge. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MS

Complaint narrative:
I have been paying this company for over XXXX years and Im supposed to be receiving merchandise to start and have a XXXX, I have been paying for supplies for the absolute longest period of time and its not fair that I have spend over XXXX for 2 years and never received my merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-04 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: DISCOVER BANK
State: MD

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to seek assistance regarding an ongoing issue with a charged-off account reported by Discover on my credit reports maintained by XXXX and XXXX. Over the past several months, I have repeatedly disputed the accuracy of this charge-off, as it appears to be misrepresented on my credit report and I have not received the necessary IRS Form 1099-C from Discover. Despite my efforts, each dispute has been concluded by Discover, XXXX, and XXXX with the determination that the account status is " accurate. '' However, the evidence or detailed findings supporting these conclusions have not been provided to me, raising concerns about the thoroughness and validity of the investigations conducted by these entities. The lack of transparency and failure to provide substantial evidence for their determinations have left me in a precarious position, affecting my financial integrity and credit standing. It seems there is a disconnect between the reported information and the actual investigative processes that are supposed to ensure the accuracy of credit reporting. I believe that the handling of my disputes by Discover, XXXX, and XXXX may not be in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information and the investigation of disputed data. Therefore, I am seeking the intervention of the CFPB to ensure that a fair and thorough investigation is conducted and that I am provided with the necessary documentation and justification for the charged-off account 's status on my credit reports. I appreciate the CFPBs attention to this matter and look forward to your support in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-04-04 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: NV

Complaint narrative:
the following correspondence sent to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXXXXXX RE : REINVESTIGATION OF PROFILE In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Personal Information : 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 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 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 This list of above accounts 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 : also states ; a consumer reporting agency can not furnish an account without my written instruction. 
15 U.S.C 1681 C. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which anteaters the report by more than 7 years. 15 U.S.C 1681 3-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Upon reinvestigating and finding of fact please remove and delete all accounts listed above immediately Thank You 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove inaccurate phone numbers as well as listed below : 1. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I attempted to transfer money via Venmo and my transaction was declined, the company was not able to give me a reason for this and now all my payments decline, they are unable or unwilling to unblock my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions.

a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 
a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS account number : 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 2024-04-04 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: OR

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
In violation of 10 USC 987 ( Military Lending Act ), One Main Financial is using my credit bureaus to intimidate me into giving them funds that they do not deserve. It is the CFPB that is responsible for reviewing this action. I have paid all required payments to One Main Financial according to law and they are now reporting negative information to my credit. I have also paid One Main Financial approximately {$1000.00} over the required amount. According to your mandate of instructions, I request that the CFPB give One Main Finacial actions a meaningful review according to your mandate of review. 

1. Among XXXX Service Members, 10 USC 987 caps interest rates at 36 %. One Main Financial set the rate at 36 % they can't require anything else. This includes fees. A different version of the contract was sent to the XXXX  than the one they sent CFPB. Please review page 3 on both contracts. 

2. In 32 CFR 232.8, it is illegal for a creditor to roll over, renew, repay, refinance, or consolidate any consumer credit extended to a covered borrower by the same creditor with the proceeds of any other consumer credit extended by the same creditor to the same covered borrower. According to One Main Financial, this illegal action has caused additional payments. 

The MLA prohibits One Main Financial from taking these actions under 10 USC 987. Any amendments One Main Financial claims places them above the law are prohibited. Congress enacted the CFPB to resolve this matter. If One Main Financial is denying coming within compliance with the MLA, the CFPB has the authority to remedy this by the CFPB inherited authority to issue them a mandate. One Main could also be charged criminally under 10 USC 987. This action should not have to be escalated to a congressional complaint. Congress has already given the CFPB the power to remedy. 10 USC 987 provides all XXXX Service Members with a remedy and the CFPB is the agency that provides the remedy. 

Because the CFPB failed to act, One Main Financial is abusing their ability to steal funds by reporting false information to my credit bureau. Because One Main Financial illegal actions put me at risk of compromising my security clearance. I have paid One Main Financial all payments required by law and the contract. I have also given them 3 extra payments averaging approximately {$1000.00}, they should not be allowed to loan shark against a service member and report their actions to the CFPB and this agency takes no action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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