vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are legally required to provide a description of the investigation procedures used within 15 days of receiving a consumer dispute. Despite my previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy. 

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate, complete, and transparent to protect consumer rights. The lack of clarity in the investigation process not only raises concerns about the accuracy of the reported information but also violates the fundamental principle of consumer protection. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX XXXX XXXX I kindly request the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, I request that you provide the required information in full compliance with the FCRA and TILA. 
I appreciate your prompt attention to this matter and expect a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2024-12-16 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-12-16 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-16 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:
Having problems with all these second and third party consumer data reporting companies selling my personal data to all three major credit bureaus without my consent, I have been trying to opt out/freeze my data since XX/XX/2018 to present and nothing have been resolved, also these second and third party consumer companies have been reporting my data and personal information to the three major credit bureaus incorrect since XX/XX/2018 to present without my consent, I will list all these second and third party consumer companies on the second part of my complaint!

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 2024-12-16 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I have provided this rental company with a letter from my employer that contract with the federal government, that stated that we are allow to break leases when relocation notice was given. plus i have put down a XXXX $ as a security for that place. if anything use my deposit for the last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the XXXX XXXX and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I made a payment to pay down my balance like I always do on XXXX the XXXX. 2 days later discover reported to the credit bureaus that my balance was still almost {$900.00} more and they did not include the payment that I made. Now on all my credit reports it's showing that my balance is over the limit and it's not and it made my credit score drop XXXX points in one day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year> my Chase Credit Card was fraudulently used on two separate occasions that same day ( XX/XX/year> ). Chase sent me a text message asking if I was using my card to purchase tickets on XXXX and I replied no. One transaction was for {$2000.00}, another was for {$1000.00}. The transaction for {$1000.00} was stopped. When I noticed the fraudulent charge for {$2000.00} posted I called Chase card fraud services ( phone number : XXXX ) on XX/XX/year> and filed a dispute. I explained that no one has my physical card, I have not given permission to anyone to use my card, and that I did not purchase anything from XXXX. The employee advised me that we will take care the charge and it was taken off my account. As of today, XX/XX/year>, checking my account the charge from XX/XX/year> is now on my account in the amount of {$2000.00}. I have not received any correspondence from Chase regarding this. Once again, this is a fraudulent charge and am disputing this. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
XXXX Received a Vanilla Gift Card XXXX XXXX ending in XXXX as a gift. Confirmed card balance on company website at {$50.00}. 
XXXX Cardholder attempted purchase using the above card. Card declined after attempting to use card for a transaction at XXXX XXXX in XXXX GA. 
XXXX Phone call to XXXX spoke to cust service agent. Explained that cardholder transaction did not go through for purchase at XXXX warehouse earlier in the day. Customer service agent stated that purchase must be for the exact amount on the card or card would decline. Customer Service agent stated a replacement card was sent via XXXX XXXX  and would arrive in 3-5 business days. 
XXXX Phone call to XXXX spoke to cust service agent who stated a replacement card was sent via XXXX XXXXXXXX and would arrive in 3-5 business days. 
XXXX Phone call to XXXX spoke to cust service agent to inquire about a tracking number for the XXXX XXXXXXXX parcel and was told that there is no tracking number for the card replacement parcel. 
XXXX Phone call to XXXX spoke to cust service agent " XXXX '' who stated a replacement card was " expedited '' via USPS and would arrive in XXXX business days. 
XXXX Phone call to XXXX spoke to cust service agent " XXXX '' who stated a replacement card was sent out and would arrive in by " the weekend '' ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-16 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-16 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: GA

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 non-monetary relief
Consumer complaint received 2024-12-16 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: GA

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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to report a fraudulent Zelle transaction and request assistance in recovering the funds. I believed I was sending payment to a trusted friend but later discovered their XXXX account was hacked, and a scammer impersonated them. This transaction was made under false pretenses due to a security breach beyond my control. I am providing the following documentation : 1. Screenshots of the XXXX conversation with the hacker. 
2. A record of the Zelle transaction. 
While I understand Zelle transactions are typically final, I kindly request an exception as I acted in good faith based on manipulated information. Please let me know if additional information is needed. I can be reached at XXXX or XXXX. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I've been trying to get an application to go through for some time now for a XXXX credit card. They are telling me the application is pending and that I need to get in contact with the 3 credit bureau they listed on the letter they sent me. Well I contacted each of them twice now to make sure no credit freezes or fraud alerts were present or misinformation. They confirmed that nothing was there. When I called XXXX credit card ( Comenity bank ) they told me the same thing. But they have ran my credit several times now and will not give me a decision on the application.

Company response to consumer: Closed with explanation