vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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:
I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my TransUnion credit report, with a balance of {$110.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as " XXXX XXXX  XXXX, '' does not belong to me and should be deleted from my credit report. This same account was previously disputed and subsequently deleted from my XXXX and XXXX credit reports after they conducted their investigations. The fact that this account does not belong to me has already been acknowledged by XXXX other major credit reporting agencies, further proving that this information is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report. TransUnion is legally obligated to conduct a reasonable investigation into the dispute. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted. Given that this account has already been deleted from my XXXX and XXXX reports, the accuracy and legitimacy of this information are clearly in question. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued presence of this erroneous account on my TransUnion report, despite its removal from XXXX and XXXX, suggests a failure to meet this standard of accuracy. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information, such as XXXX XXXX XXXX XXXX have a duty to report accurate information. The fact that this account was removed from the other credit reports indicates that XXXX XXXX XXXX XXXX have violated its obligation to provide accurate information to TransUnion. Given these strong legal defenses, I respectfully request that TransUnion delete this account from my credit report immediately. The continued presence of this incorrect information is damaging and must be rectified without delay. 
Please provide written confirmation that this account has been deleted from my credit report. 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 2024-08-26 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: WY

Complaint narrative:
In accordance with the fair credit reporting act everything has to be XXXX accurate on my credit report. The credit bureaus stated my account was properly invigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date of last payment is inaccurate.this is grounds for removal they also violated my rights under 15u.s.c1681 602A states I have the rights to privacy. 15u.s.c1681 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.also the credit bureaus took longer than 30 days to complete an investigation. Please remove the following accounts for several violations or I'm demanding {$1000.00} for the XXXX violations.inclosed is all of the accounts with violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
These companies are reporting fraudulent Inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXX XXXX  {$390.00} XXXX XXXX {$250.00} XXXX XXXX XXXX  {$890.00} XXXX XXXX {$880.00} XXXX XXXX {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
These companies are reporting fraudulent Inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXXXXXX XXXX {$390.00} XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX  {$890.00} XXXX XXXX {$880.00} XXXX XXXX  {$150.00}

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 non-monetary relief
Consumer complaint received 2024-08-25 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:
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. 
Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX has violated my rights. 


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 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

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 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NC

Complaint narrative:
On the XXXX  of XXXX  2024 I attempted to send a money transfer through XXXX to XXXX to pay for a travel agents fees. 

After processing the payment XE closed my account and stated the payment had failed. They have taken the funds from my bank account and after trying to get through to there customer service via phone and sending and email they have not gotten back to me. 

The amount was for XXXX usd. 

They have not provided any reason as to why my account has been closed with them after trying to initiate the transfer. 


They state they have XXXX customer service but there is no active number to call. 

This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: U.S. BANCORP
State: NJ

Complaint narrative:
I reported a dispute in the amount of {$360.00} to XXXX XXXX, XXXX XXXX XXXX Cardmember service on XX/XX/XXXX, dispute No. XXXX. 
They said they will mail out a letter and I need to respond to the letter with supporting documents for the claim. The letter dated XX/XX/XXXX arrived on XX/XX/XXXX. I mailed out my documents the same day, then received a letter dated XX/XX/XXXX, telling me they have not received a response. 
I mailed out the package again and called XXXX times. They acknowledged receipts of the XXXX mails from me, and told me they will have the XXXX to call me. 
Then I received a letter dated XX/XX/XXXX, saying that no new information was provided for them to alter the results of their earlier investigation. 
The XXXX never called, and I never received any communication stating they ever did any investigation, or how they did it. 
They allowed a charge to my card without my consent, and would not do the investigation after requesting the info, and keep telling me to call back and wait.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX and JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX XXXX XXXXXXXX is Removed and deleted off transunion but still reporting on my Equifax credit report. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX  ) XX/XX/year>. Account : XXXX XXXX XXXX XXXX ) According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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. 

Account name : XX/XX/XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Leaving my transactions pending and not properly handling my account. Just totally throwing our account off so they can charge me XXXX bucks everytime and multiple times.Keeping my account negative like it says my account been overdrawn since XX/XX/XXXX even though I had deposits made after XX/XX/XXXX. Hanging up on me when I confront them consistently. Offer me overdraft protection but at their discretion so even though I have this protection, they see where they can charge me so they say well it's up to us to allow that even though I have this protection.They try to XXXX you every chance they get...

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 2024-08-25 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: NC

Complaint narrative:
XXXX XXXX, a debt collection is reporting an account over 7 years from the first missed payment that led to the charge-off from original creditor which was XXXX XXXX. Please see 15 U.S. Code 1681c ( c ) that explains the lawful reporting period. Essentially the statute states that the reporting period is based on the delinquency that precedes collection and charge off. The date opened ( when the collection agency assumed the deb ) does not change the date of the start of the delinquency. Based on the before mentioned statute, this collection was supposed to be removed and no further reporting to the credit reporting agencies as of XX/XX/year>. Transunion, XXXX and XXXX XXXX are both complicit in this false reporting are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-08-25 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: NC

Complaint narrative:
XXXX XXXX, a debt collection is reporting an account over 7 years from the first missed payment that led to the charge-off from original creditor which was XXXX XXXX. Please see 15 U.S. Code 1681c ( c ) that explains the lawful reporting period. Essentially the statute states that the reporting period is based on the delinquency that precedes collection and charge off. The date opened ( when the collection agency assumed the deb ) does not change the date of the start of the delinquency. Based on the before mentioned statute, this collection was supposed to be removed and no further reporting to the credit reporting agencies as of XX/XX/2024. XXXX, Experian and XXXX XXXX are both complicit in this false reporting are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-08-25 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
There has been XXXX unauthorized inquiries reported to my credit that I have not authorized. 

Here are the following unauthorized inquiries : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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:
XXXX XXXX XXXX Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account XXXX Not XXXX Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

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 explanation
Consumer complaint received 2024-08-25 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
Hard inquiries were done without my authorization, 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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