vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-03 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : 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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: CA

Complaint narrative:
For some reason Im trying to open up a bank account and keep getting declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: NY

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: WI

Complaint narrative:
Upon reviewing my consumers report, i noticed a few accounts listed that I've never been associated with. I don't know who these companies are that are reporting nor have i EVER given anyone my personal information. Here are the accounts : XXXX XXXX- {$7900.00} balance, posted on XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX- {$21000.00} balance, posted on XX/XX/XXXX Acct # : XXXX XXXX XXXXXXXX {$22000.00} balance, posted on XX/XX/XXXX Acct # : 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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
According to the Fair Debit Collection Practices ACT ( FDCPA ) 15 U.S. Code1692c and 1692g, it is your legal obligation under federal law to verify all accounts reported to credit agencies by physically validating the original signed consumer contract. I am hereby requesting verifiable proof of the following information : XXXX. I am requesting a copy of the original consumer contract bearing my signature for the account listed below, stating that I guaranteed the payments of this debt for the original creditor. 
XXXX. Detailed payment history, including the last payment made to both your company and the original creditor. 
XXXX. Documentation of the assignment from the original creditor to your company, also bearing my signature. 
XXXX. Date opened and closed account status, and current balance owed to your company, accompanied by my signed agreement. 
XXXX. Acknowledgement and a copy of any insurance claims filed on this debt. 
XXXX. A copy of the written proof that you have the chain of title to collect on this debt from the original creditor. 
Failure to provide this requested documentation within the parameters of the law will result in the removal of the accounts in question from ALL reporting agencies, as stipulated by the FDCPA regarding unverifiable accounts. 
Removal if i am not provided with the requested information within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 I got a text from XXXX XXXX XXXX thanking me for applying for there card. I did not apply for a card there or anywhere. Next I got a hard inquiry on my credit. I called target and explained that I didnt apply. Target told me to contact XXXX XXXX  XXXX. Next I froze my credit on XXXX. Filed a dispute on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: AL

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 the 15 USC 1681 ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-03 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: MO

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 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My XXXX account was debited by phony credit card charges and XXXX phony bank debits. I notified the fraud squad ay PNC HQs and my account was frozen. Now, I need my money to be released and put into another XXXX  account with a new number so I can order blank checks and resume bill paying out of this new account. Yhe branch manager required me to get her a third copy of my XXXX  documents to be looked at by PNC 's legal dept located in several states, I was told. So I had my XXXX company email her the whole XXXX XXXX on XX/XX/XXXX, which was done. I have telephoned her to see if the " legal departments '' have perused the XXXX  documents and I can now have a new XXXX account or move my money to another bank. I have had no call back and today is XX/XX/XXXX. 
I need access to my funds. There is a large amount in that account, so please help me. I have called customer service at the XXXX number several times. Why can't I have my money to pay my bills?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have received a notice that is NOT my debt. Reference # XXXX. I have previously called the number listed on Rent Recovery Solutions letter to no response. This amount of {$200.00} is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 

XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 


RESIDENT VERIFY INQUIRED ON XX/XX/XXXX. THEY DID NOT HAVE AUTHORIZATION TO PERFORM THE ACTS THAT THEY DID.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
WAYPOINT RESOURCE GROUP {$160.00} Open balance WAYPOINT RESOURCE GROUP Original creditor Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Responsibility Individual Remarks Placed for XXXX Original creditor name WAYPOINT RESOURCE GROUP The last response I got was : Hello, Do you have another address or phone number that this account could be associated with? Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

I called again and I finally got an account number after they try to sell me my own credit report. 

Account number : XXXX Will be filing with the XXXX  as they are liers and scammers, I've been in prison the last XXXX  years so no way I should have this on my credit score. They lied the first XXXX times and said they couldn't find my account and when I called they found it even without my social. They ARE XXXX 'S!

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 2024-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/24 I placed an order with " XXXX XXXX ''. Receipt was provided on CHime 's website from " XXXX ''. I got a shipping confirmation, with tracking number a couple weeks later, when I clicked the tracking link, it displayed as having been delivered to my mailbox. I know it wasn't delivered to my mailbox so I entered the tracking number at USPS, and got the result " Shipping Label Created- Item not shipped ''. I tried contacting the company but service numbers and emails are disconnected, or get no result. Disputed the transaction with Chime, and provided the shipping information, with a screenshot from USPS, within 48 hours, CHime had responded that they did an internal investigation into their processes, determined there was no billing error, and the case was closed. I had notified Chime that i was receiving personal emails from men and women, referring to the transaction, and offering me a 10 % rebate. I didn't accept because I didn't receive the product, and I don't beieve it was ever shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
This account has been classified as charged off since XX/XX/year>, and this designation has persisted month after month. However, it's important to note that a charged off account should not be included in active payment history. This inaccurate reporting can affect the status of limitations unfairly. Your failure to conduct a proper investigation into this matter has violated my rights. Thus, I insist on the deletion of the following account : 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 2024-06-03 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: IL

Complaint narrative:
This account has been classified as charged off since XX/XX/year>, and this designation has persisted month after month. However, it's important to note that a charged off account should not be included in active payment history. This inaccurate reporting can affect the status of limitations unfairly. Your failure to conduct a proper investigation into this matter has violated my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: WI

Complaint narrative:
My account withXXXX XXXX XXXX, and XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am consumer by law and feel taken advantage of. There is inaccurate information that still being reported by this company. I feel they are disregarding me and this is creating a lot of stress for 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 2024-06-03 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: MA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-06-03 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: TX

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 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NJ

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 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
I've noticed unfamiliar entries on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these entries. Their presence is causing significant stress as they do not reflect my true credit history or financial conduct. Dealing with this issue has been challenging. If necessary, I am prepared to pursue legal action to safeguard my rights and resolve the matter. These inaccuracies are impeding my progress toward important financial objectives, such as homeownership and supporting my family. I sincerely hope for a prompt resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief