vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-22 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: NJ

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
On XX/XX/year> I sent a letter to Achieve Personal Loans requesting information regarding this alleged account. Achieve is currently reporting inaccurate information on my credit report. I requested a 1099-C and immediate removal of the account because, Achieve reported charge off on my credit report. Reporting a charge off is illegal when Achieve Personal Loans canceled and sold the debt. I have confirmation that they received my letter on XX/XX/year>. It is now XX/XX/year> and still have no response from this company. They are now in violation of the Fair Credit Reporting Act because they had 30 days to complete the investigation and still no response. Achieve Personal Loans is in violation of 15 USC 1681s-2 ( a ), 15 USC 1692e , and 15 USC 1692f .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: AL

Complaint narrative:
This is are fraudulent accounts. I ask the debt collector and the credit reporting agencies to provide a purchase agreement for the accounts and they could not provide the information.

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 2024-08-22 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: AL

Complaint narrative:
This is are fraudulent accounts. I ask the debt collector and the credit reporting agencies to provide a purchase agreement for the accounts and they could not provide the information.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report and noticed an entry that I did not authorize, which I believe to be both inaccurate and unlawful. The details of the disputed entry are as follows : Account Name/Number : XXXX XXXX XXXX . 
Nature of the Discrepancy : Inaccurate balance, unknown account This information is incorrect and has been reported without my consent. As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Under this law, credit reporting agencies are required to investigate the dispute and correct any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I lost my phone and debit cards someone one got into my app account and wallet and other online banking services and placed orders with XXXX and I disputed the charges and the investigation team never investigated Anything they denied my claim within 48 hours but gave no clear evidence as to why the claim was denied except for a screenshot I sent them myself I have filed disputes over and over rebuttals over and over with NOONE EVEN TRYIMG TO HELP with at least a provisional credit and a thorough investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I got email stating there is a problem with my account, and it is closed until I fix it. It comes from a bank but not the banks email. Bank is Chase, email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
can td explain why i get this document from XXXX about frauding? who is frauding?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been more than 30 days since my last dispute/complaint, the account in question with XXXX is still reporting. 

I have officially filed an XXXX form to combat the continued to reporting of this account any further. Please remove the charged account with XXXX under the ground of no evidence being provided by the creditor in question within 30 day period. Because of the lack of response, I can not accept responsibility or ownership of the account in question. As I mentioned in my complaint, XXXX sold this debt and gave up their legal right to collect therefore legally they are to report this balance as {$0.00}, they have failed to do that but also failed to prove the account is mine or any further evidence of accuracy in reporting. XXXX has removed this account. XXXX and Equifax need to as well. 

You have 15 days to remove this account from my credit report, else I will have to take legal action against all parties. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: WA

Complaint narrative:
Despite having an extended security freeze between XXXX and XXXX, XXXX XXXX XXXX acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted XXXX XXXX XXXX and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On XXXX, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.

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 2024-08-22 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: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST SST XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear SST, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 



Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Full complete and correct social security number to help identify me as the correct person you are trying to collect from Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention 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
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST SST XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear SST, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 



Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Full complete and correct social security number to help identify me as the correct person you are trying to collect from Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX Al XXXX place a false collection account of {$440.00} on my XXXX, XXXX and Transunion File, this was disputed and removed under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. 

On XX/XX/year> Credence Resource Management of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX placed the same false account of {$440.00} on my credit files again. 

I have never opened or had any account with any of the companies listed above. 

This is a clear violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

This is to serve notice to the two companies and 3 credit bureaus whose false report on my credit file has lead to damage to my creditworthiness when applying for credit.

I need these false accounts deleted off my credit profiles on all 3 bureaus.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX Al XXXX place a false collection account of {$440.00} on my XXXX, XXXX and XXXX XXXX, this was disputed and removed under The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq.. 

On XX/XX/year> Credence Resource Management of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX placed the same false account of {$440.00} on my credit files again. 

I have never opened or had any account with any of the companies listed above.

This is a clear violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

This is to serve notice to the two companies and 3 credit bureaus whose false report on my credit file has lead to damage to my creditworthiness when applying for credit. 

I need these false accounts deleted off my credit profiles on all XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 16376 and I never received a statement with everything in that article of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-22 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: CA

Complaint narrative:
Equifax continues to drag its feet and give poor service to me. I have four fraudulent accounts that still remain on my report. I called to inquire about it and Equifax for 3 days straight didn't left me on hold and didnt take my calls. Then when I finally reach someone in the office of consumer affairs I get really poor service and talked to very rudely from its reps. I ask for a supervisor to complain and I've been denied every time I want to escalate or complain for the poor service. Then Equifax said the never received information or the proof from the CFPB from my original complaint. The following accounts need to be removed due to fraud : XXXX. XXXX XXXX Account # XXXX ( {$17000.00} ) XXXX. XXXX Account # XXXX ( {$50000.00} ) XXXX. XXXX XXXX XXXX Account # XXXX ( {$5000.00} ) XXXX. XXXX XXXX Account # XXXX ( {$9400.00} )

Company response to consumer: Closed with explanation