vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: IL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2024-09-30 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: NY

Complaint narrative:
Re : Demand for Removal of Late Payments and Collections Due to Identity Theft/ Data Breach under FCRA ( 15 U.S.C. 1681 ) and FACTA 605B To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments, collections, and debt collections on my credit report related to the above-referenced account ( s ). These derogatory marks are a direct result of identity theft, following a data breach that compromised my personal information, including my Social Security number. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and related statutes, I demand immediate correction of these inaccuracies.

A breach of my private data constitutes identity theft under federal law, and it is your obligation to cease reporting any information that was the result of fraudulent activity. You have no legal basis to continue reporting these negative items on my credit report as I have not authorized these transactions. 

Under 15 U.S.C. 1681, I demand : 1. Immediate removal of all late payments, collections, and any debt-related information falsely attributed to me.

2. Correction of all payment status information to reflect Paid as Agreed or similar verbiage, erasing any mention of delinquency. 
3. Confirmation in writing within 30 days that these inaccurate entries have been deleted or corrected on my credit report. 

If you fail to comply with this demand, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and any other relevant authorities, as well as pursuing legal action for damages under the Fair Credit Reporting Act. 

I expect your immediate attention to this matter and full compliance with the law. Failure to act promptly will result in further action to protect my rights under federal law..

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 2024-09-30 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: NY

Complaint narrative:
Re : Demand for Removal of Late Payments and Collections Due to Identity Theft/ Data Breach under FCRA ( 15 U.S.C. 1681 ) and FACTA 605B To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments, collections, and debt collections on my credit report related to the above-referenced account ( s ). These derogatory marks are a direct result of identity theft, following a data breach that compromised my personal information, including my Social Security number. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and related statutes, I demand immediate correction of these inaccuracies. 

A breach of my private data constitutes identity theft under federal law, and it is your obligation to cease reporting any information that was the result of fraudulent activity. You have no legal basis to continue reporting these negative items on my credit report as I have not authorized these transactions. 

Under 15 U.S.C. 1681, I demand : 1. Immediate removal of all late payments, collections, and any debt-related information falsely attributed to me.

2. Correction of all payment status information to reflect Paid as Agreed or similar verbiage, erasing any mention of delinquency. 
3. Confirmation in writing within 30 days that these inaccurate entries have been deleted or corrected on my credit report. 

If you fail to comply with this demand, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and any other relevant authorities, as well as pursuing legal action for damages under the Fair Credit Reporting Act. 

I expect your immediate attention to this matter and full compliance with the law. Failure to act promptly will result in further action to protect my rights under federal law..

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 2024-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
A transfer occurred from Ally savings from XXXX XXXX ( legitimate ) to XXXX XXXX ( fraudulent ) on XX/XX/year> for {$3000.00}. Same type of transfer on XX/XX/year> was for {$5000.00}. These funds were never authorized by my daughter, XXXX, nor I, who both own the account. 

Her username with Ally is XXXX XXXX and her legitimate recipient account nickname for XXXX XXXX is XXXX XXXX She doesnt use XXXX XXXX for anything. Upon looking at her XXXX XXXX  account and XXXX accounts, those XXXX amounts were never received, further verifying that it was not her that authorized those transfers. 

We have placed several phone calls with Ally to investigate this and to protest their findings. They deemed that they are at no fault ( and insinuated that she is at fault somehow ) and that she will not recover the total of {$8000.00} loss. In a phone call a few weeks ago, they basically stated that they investigated and that they had found her at fault somehow and that not only would they NOT reimburse the {$8000.00} ( FDIC INSURED ), but they would shut the account down and send her a check for the balance. 

As of this weekend, not only is the account not at a XXXX balance ( shut down ), but it seems its almost being held XXXX, as the money cant be transferred or accessed online any way. The account has been in limbo for several weeks now. Ally doesnt communicate with us, rather we find things out when we place the phone calls to them. 

We have filed a police report, an fbi report, are doing everything by the book, and still no satisfaction with Ally, with whom we thought the money was protected.

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 2024-09-30 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}

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 2024-09-30 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: OH

Complaint narrative:
Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My information XXXX have been impacted by the XXXX XXXX Breach and XXXX XXXX breach XXXX have got into the hands of the wrong person XXXX XXXX Code XXXX XXXX Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The XXXX makes the XXXX findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists

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 2024-09-30 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: GA

Complaint narrative:
The following companies are reporting fraudulent inaccurate activity information on my credit report. I have requested that they provide the purchase agreement and any other relevant information to show full ownership of such accounts so that I may review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX I have no contract with this company, nor do I have a contract with 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 2024-09-30 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:
The following companies are reporting fraudulent inaccurate activity information on my credit report. I have requested that they provide the purchase agreement and any other relevant information to show full ownership of such accounts so that I may review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX I have no contract with this company, nor do I have a contract with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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:
I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: Avant Holding Company, Inc.
State: NH

Complaint narrative:
I have 3 bank loans that randomly showed up on my credit report. I have attached my credit reports. These accounts were opened fraudulently using my personal data. I'm highly upset as this has lowered my credit score. All I do is work and pay my bills so this should have never been added to any of my credit accounts. I wish to resolved and remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: GA

Complaint narrative:
I an a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN XXXX BUSINESS DAYS after the date of receipt by such agency of. 

Please remove the listed accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-30 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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-30 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: SC

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's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a email saying the following Hi XXXX XXXX, Following a recent review of your Chime Checking Account, we have made the decision to close your account with Chime. Your account failed to comply with the terms of your XXXX Account XXXX, and we will close your account as a result. Your checking account will be closed on XX/XX/year>. If you have a Chime Savings and/or a Chime Credit XXXX account XXXX it will also be closed and youll receive a refund for the balance, per the terms of the Savings Account Agreement and Chime Credit Card Agreement. 
We recommend that you change any direct deposits, XXXX debits, and recurring payments at your earliest opportunity to avoid delays and rejections as a result of the account closure. 
Please note that your Chime Checking Account is not eligible for a refund, as we were unable to verify the ownership of the deposited funds. 

I had a Chime Credit Card XXXX. 
I started getting direct deposit for my new job that uses XXXX and deposited my check there I had XXXX dollars on the account I did not see the email on time and I never got my money back this email was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
This CFPB Complaint is being filed due to TransUnion not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to XXXX XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX

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