vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, please check this complaint thoroughly. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I submitted disputes to Experian regarding several inaccuracies on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and verify the accuracy of the disputed items within 30 days. However, despite receiving a notice from Experian with a projected reinvestigation completion date of XX/XX/year> ( see attached dispute results ), it has now been over 30 days since my initial dispute, and no verification or resolution has been provided. 
The disputed items remain on my credit report, and Experian has not removed the inaccurate or unverifiable information, which violates Section 611 ( a ) ( 1 ) ( A ) of the FCRA. This delay has caused significant harm to my ability to access credit and negatively impacted my financial situation.

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 2024-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a collection notice on my credit report. I open a dispute with Experian and they answered me it was a debt from XXXX XXXX. I contacted XXXX and spoke to a representative about the fact that I have never had any service from them. They could not help me resolve the problem. Now, I have a collection on my credit report that is not mine. I would like to make it clear that I have never signed any contract or even received services from them. I never got a call to try to collect the amount, or to ask me anything regarding the matter. They are charging me XXXX dollars for an account that is not even mine.

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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: CA

Complaint narrative:
First Progress secured card. I closed the account XXXXthe deposit was XXXX said they would send a check. I keep calling they keep saying they're going to send it. But obviously they have not sent it. I keep calling they keep giving me a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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 have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
XXXX did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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 have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
XXXX did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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 have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
Experian did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX, & XXXX NEVER perform a real XXXX. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the XXXX court system XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX cards {$530.00} acct # XXXX XXXX ) XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!

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 2024-10-21 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:
XXXX, Equifax, & XXXX NEVER perform a real XXXX. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX ) XXXX CrXXXX XXXX  {$530.00} acct # XXXX XXXX ) XXXX XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX  {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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:
XXXX, XXXX, & Experian NEVER perform a real XXXX. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it XXXX concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the XXXX court system XXXX XXXXXXXX XXXX XXXX  XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX  {$530.00} acct # XXXX XXXX XXXX XXXX XXXX XXXX$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX XXXX Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: NM

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 XXXX 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 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 2024-10-21 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: NY

Complaint narrative:
XXXX  XXXX XXXX has incorrect information of my information and they are reporting this personal information as accurate when it not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Applications were made in my name, which has seriously harmed my credit and credit score. I contacted Equifax, and their representative assured me that these fraudulent inquiries would be removed. However, I still see them on my credit report. This situation is causing me significant distress, as these unauthorized inquiries not only damage my credit but also suggest potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I received a letter from Marcus by Goldman Sachs informing me that they were enclosing my account statement. The statement listed an account number and said there was a balance of {$1.00}. I have never opened an account with this bank. I called the bank and they connected me to their fraud department. They told me they would send me information if requested ; however, I must first file an FTC complaint and a complaint with the police. I went to the FTC website but was redirected here because of the nature of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I see a charge on my account for {$24.00} for an XXXX credit report. I did not request this report nor authorized usage of my card. 

My bank refuses to give my money back. I have already canceled the card and asked them to look into it.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX XXXX XXXX is representing Velocity Investments LLC and collecting on their behalf. I agreed to pay the debt back and a payment plan was created. I was told by a representative on a recorded call, as stated by the representative, that I would get a notice in the mail agreeing to the payment plan and that I must sign it and mail it back to XXXX XXXX XXXX for the plan to be effective and the attempt to sue will cease. I did receive the notice, however the notice is an agreed judgement against me plus an 8.50 % interest rate per annum for the cost of this action ; which I WILL NOT agree to. That information was not reported via the phone call that I had with any representative. I have a payment plan already set up and agreed to such payment plan over the phone. I did not agree to an agreed judgment via the phone call. They state that conversations were recorded so that should be listened to. XXXX XXXX XXXX which is collecting on behalf of Velocity Investments LLC appears to be trying to force me to agree to a judgment against me while I have a payment plan in place. They also did not state that the letter that needed to be signed by me was an agreed judgement. That seems illegal. Payment plans negate the need for a lawsuit and judgment. They did not do their due diligence to explain the details of the notice and are trying to force me to sign or they will terminate my payment plan and make attempts to sue.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked for debt validation and have not received any. This is officially the last request before litigation. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Debt Validation Request and Cease and Desist Notice Dear XXXX XXXX XXXX  XXXX XXXX I am writing to formally dispute the validity of the debt referenced in your recent communication dated XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Validation of Debt : The amount of the alleged debt. The full name and mailing address of the original creditor. Documentation showing that you have verified I am responsible for this debt, including a copy of any judgment. Proof of Late Payment : Detailed records of any late payments reported, including dates and amounts. XXXX Form for Charged-Off Accounts : A copy of the XXXX form issued for the cancellation of this debt, if applicable. Proof of Account Ownership : Documentation proving that you or your company owns the debt, such as a bill of sale, assignment, or receipt from the original creditor. Account History : A complete account history, including all transactions, payments, and charges. Cease and Desist : Please communicate with me only in writing and cease all phone calls immediately. 
Credit Reporting : Remove any negative information related to this debt from my credit report until the debt is validated. Statute of Limitations : If this debt is beyond the statute of limitations, please be reminded that it is no longer legally enforceable. Additionally, I would like to inform you that any further attempts to collect this debt / report misleading information via ( credit bureaus ) to my credit report without providing the requested validation will be considered a violation of the FDCPA. Such violations can result in penalties, including fines up to {$1000.00} per violation and potential damages for any harm caused. Please consider this letter as a formal dispute and request for validation. Until you provide the requested information, you must cease all collection activities as required by the FDCPA. If you continue to attempt to collect this debt without providing the requested validation, it will be considered a violation of the FDCPA. I look forward to your prompt response. Please send all correspondence to the address listed above. Sincerely,

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 2024-10-22 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: TX

Complaint narrative:
Ive identified errors on my credit report involving 15 USC 1681c-2, where hard inquiries were made without my permission. Please remove all unauthorized inquiries. Thanks!

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: TX

Complaint narrative:
To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, the original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all imformation requested above within 30 days. 
If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease.. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation