vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate information in my recent Consumer Report, which I obtained on XX/XX/XXXX. Upon reviewing the report, I found several accounts listed that do not belong to me. I have waited over a month and they did receive the dispute letters I have sent. it's been over a month. and they're just sending me summaries of accounts that don't belong to me. 

The inaccurate information pertains to the following accounts : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX  XXXX XXXX  ] Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX  ] Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX  XXXX ] Account Number : [ XXXX ] I moved to XXXX  in XXXX and was attempting to secure a business loan. As part of the loan application process, the lender requested to check my credit report to ensure my loan request would not be declined due to any adverse credit history. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which allows consumers to dispute inaccurate information directly with Consumer Reporting Agencies. Despite initiating a dispute with Experian, the discrepancies have not been corrected, prompting me to escalate this matter to your office.

Therefore, I am requesting that the Consumer Financial Protection Bureau conduct an investigation into these discrepancies. I believe Experian has violated my rights under the FCRA by failing to ensure the accuracy of the information reported in my consumer report.

Please investigate this matter promptly and ensure that Experian complies with federal consumer protection laws. I request that you notify me of the outcome of your investigation and take appropriate action to rectify this issue.

Thank you for your 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 2024-07-24 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: TX

Complaint narrative:
I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified and updated. My credit report continues to contain multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the 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 2024-07-24 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: TX

Complaint narrative:
I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified and updated. My credit report continues to contain multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the 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 explanation
Consumer complaint received 2024-07-24 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: CO

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 seven 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 2024-07-24 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$930.00} XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXXXXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$840.00} 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 XXXXXX/XX/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 2024-07-24 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
On multiple occasions I reached out to XXXX about the debt that they claim I owe. I told them that Im not understanding why am I receiving a bill from you all when I never received the phones. She said that they had to do an investigation with XXXX to see what happened. She said from what she was seeing that the package got lost in transit. She did an follow up call with me On Wednesday, XXXX XXXX XXXX and said that they had no record of it, the XXXX number for the phone no nothing because after so long its removed from their system. So thats when she came back and said that my information was sent over to a debt collection agency called Diversified Adjustment Services. She gave me their contact information and I called them. When I spoke with the agent with the company on XXXX XXXX she rudely told me that I owe the debt. I was like can yall look into it because Ive never received the phones, she said that my information was sent over by XXXX and they was supposed to do the investigation. I was like its with you all now so are you able to do it, all of a sudden the phone hangs up. Every since then they been harassing me with text messages. I sent a debt verification letter to Diversified Adjustment Services and have yet to here anything back as of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have repeatedly tried to sign in to my online banking at Bank of America. I need to have them send me a passcode in order to actually get into my accounts ( bank account, credit cards, mortgage ), but their system phoned me but does not supply a passcode. I try signing in at least one more time. I phone them to get them to give me a passcode, but they never escalate the situation so that their system will actually provide me a passcode. Not only that, they never give me a passcode to get into the account ; rather, they change my passcode, which I have expressly told them I do not want them to do. I have also expressly told them that I want them to escalate this so that their system gets changed.

I believe I have also written a letter to their outside auditor to let the auditor know that Bank of America 's system of internal control is not working properly.

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 2024-07-24 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for their failure to address multiple disputes regarding inaccuracies on my credit report. Despite my repeated efforts and the involvement of my legal counsel, Equifax has not taken the necessary steps to correct these errors. 

My attorney sent a detailed letter to Equifax requesting the removal of certain inaccurate items from my credit report. Regrettably, Equifax did not comply with this request. Furthermore, Equifax made an error by using my lawyer 's address instead of my own address for correspondence. This mistake has caused significant delays and confusion in resolving this matter. 

I have made multiple attempts to have these items removed, both through direct communication and through my legal representative. Despite these efforts, Equifax has continued to report inaccurate information on my credit report, adversely affecting my credit score and causing undue distress. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to ensure Equifax promptly addresses this issue and corrects my credit report. It is crucial for my financial well-being and peace of mind that these inaccuracies are rectified without further delay. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Pay XXXX acct number XXXX {$850.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts are reporting on all XXXX bureaus and I want them deleted because I didnt authorize any of this activity An identity theft report was filed report number is XXXX Police report number

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate information in my recent Consumer Report from TransUnion, which I obtained on XX/XX/XXXX. Upon reviewing the report, I found several accounts listed that do not belong to me. I've been trying to dispute these inaccurate information off my credit report for over a month now. Nothing have been removed instead verified. and they did not provide me with contracts that show and prove I am liable for all these debts and I demand all these unknown accounts to be completely removed off my credit report. I also sent certified letters in the mail asking how these accounts got verified and they haven't responded to my letters. been over 15 days and I sent letters before that and been over 30 days. and by law I need to informed. but instead on TransUnion there was no changes What so ever The inaccurate information pertains to the following accounts : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : XXXX XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : XXXX XXXX XXXX ] Account Number : [ XXXX ] XXXX XXXX XXXX XXXX in XXXX and was attempting to secure a business loan. As part of the loan application process, the lender requested to check my credit report from TransUnion to ensure my loan request would not be declined due to any adverse credit history. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which allows consumers to dispute inaccurate information directly with Consumer Reporting Agencies. Despite initiating a dispute with TransUnion, the discrepancies have not been corrected, prompting me to escalate this matter to your office. 

Therefore, I am requesting that the Consumer Financial Protection Bureau conduct an investigation into these discrepancies. I believe TransUnion has violated my rights under the FCRA by failing to ensure the accuracy of the information reported in my consumer report. 

Please investigate this matter promptly and ensure that TransUnion complies with federal consumer protection laws. I request that you notify me of the outcome of your investigation and take appropriate action to rectify this issue. 

Thank you for your 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have raised a dispute regarding several charges made to an online casino that unexpectedly closed my account and prevented me from withdrawing my funds as agreed. Despite my efforts, Chime denied my claim. I requested access to the information submitted by the merchant to understand why my claim was rejected and it turns out that the merchant did not respond at all, and Chime did not actively pursue the case as they should have. Had Chime pursued the matter, my claim likely would have been accepted due to the merchant 's lack of response. I have since submitted a rebuttal for this unresolved case, which, according to an agent I spoke with, has not been reviewed or addressed. My primary request is for Chime to conduct a thorough investigation and credit my account accordingly, given the merchant 's failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information that has been reported on my credit report. Despite my previous attempts to rectify this matter, the information continues to be inaccurately reported. I have requested investigations into this account on two separate occasions, and each time the investigation concluded that the information was accurate. However, I have substantial proof that this is not the case. 

The account in question XXXX XXXX XXXX Account number : XXXX The following inaccuracies have been identified : Incorrect Charge-Off Status : The account is inaccurately listed as a charge-off. This account was included in a bankruptcy filing, and thus should not be reported as a charge-off. 

Incorrect Remaining Balance : The balance listed on the account is incorrect. The accurate balance is {$15000.00} contrary to what is currently being reported. 

Discrepancies Across Different Credit Bureaus : There are multiple inaccuracies reported to different credit bureaus. The information about this account is inconsistent across various reports, which further supports that the information being reported is inaccurate. 

I am including the following documents as proof of the inaccuracies : Documentation of documents sent to me by creditor, showing that this account is open in bankruptcy Statements or communications from the creditor showing the accurate balance. 
Copies of my credit reports from different bureaus highlighting the discrepancies. 
Due to the significant inaccuracies and the fact that this account has been mishandled in reporting, I kindly request that this account be deleted from my credit report. I expect that this dispute will be resolved in compliance with the Fair Credit Reporting Act ( FCRA ). Please confirm receipt of this letter and provide me with an update on the status of my dispute as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: SC

Complaint narrative:
PENN CREDIT CORPORATION IS IN VIOLATION OF MY CONSUMER RIGHTS AND WILL BE SUBJECTED TO FURTHER LEGAL ACTION IF THIS ERROR IS NOT REMOVED FROMMY CREDIT REPORT IMMEDIATELY. PENN CREDIT CORPORATION IS IN VIOLATION OF : -15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT -18 USC 1028 A AGGRAVATED IDENTITY THEFT - 18 USC 1028 A -15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE -15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT -15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY - 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION -15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION -15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION -15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE -15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS -15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT - 42 U.S. Code 408 - ILLEGAL TO ASK OR USE/ FOR SOCIAL SECURITY NUMBER -15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY -15 U.S. Code 1681 Section 602 A Section 2 -15 U.S. Code 1602 - Rules and constructions -15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies VIOLATION OF ORDER TO CEASE AND DESIST

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