vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I identified the following account containing inaccurate or unverifiable information : Account Details : Creditor : XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off Past Due Amount : {$1000.00} Balance : {$1000.00} Last Payment Date : XX/XX/XXXX This reported charge-off and associated details are inaccurate and fail to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, as per 15 U.S. Code 1681i ( 5 ) ( A ) : 1. If, after a reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified.

2. The furnisher of the information must also be notified of any modifications or deletions to the consumers file. 

I request that you reinvestigate this account and provide the following : Verification of the accuracy of this account, including any supporting documentation provided by XXXX XXXX XXXXXXXX. 
Evidence that the reported charge-off complies with FCRA standards, including the required notice and procedures. 

If the information can not be verified, I demand that it be removed from my credit report in accordance with 15 U.S. Code 1681i ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding what I believe to be a violation of my privacy rights under 15 U.S.C. 6802-6805 ( XXXX XXXX XXXX XXXX XXXX XXXX  and provisions of the Fair Credit Reporting Act ( " FCRA '' ). Specifically, this complaint is directed against XXXX XXXX XXXXXXXX XXXX XXXX  ), as well as the financial institutions and credit reporting agencies ( CRAs ) that have shared my personal information with EWS without my consent. 
Background and Nature of the XXXX XXXX XXXX XXXX is a third-party entity that has collected and retained my personal and financial information without my consent. Attached to this complaint is a copy of my XXXX XXXX XXXXXXXX Report, which lists the financial institutions and other entities that have shared my data. The sharing of this information was done without my express consent or in violation of federal privacy laws. 
Under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous notice of their privacy policies and practices and allow customers to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. I did not receive such notices or an opportunity to opt out, as evidenced by the data held by XXXX XXXX XXXX. This constitutes a direct violation of my privacy rights. 
Furthermore, under the Fair Credit Reporting Act, credit reporting agencies, including XXXX, XXXX, and XXXX, are obligated to ensure accuracy, confidentiality, and permissible use of consumer data. By sharing my information with EWS, these CRAs have failed to meet their privacy and confidentiality obligations under FCRA, putting them in violation of the same laws. 
Legal Violations 1. Violation of the XXXX XXXX ( 15 U.S.C. 6802-6805 ) : Financial institutions that shared my data with XXXX XXXX XXXX failed to provide the legally required notices and opt-out opportunities. 
XXXX. Violation of the Fair Credit Reporting Act : The CRAs listed above have shared my private information with XXXX XXXX XXXX without proper authorization or permissible purpose, thereby breaching their statutory obligations to maintain the privacy and confidentiality of consumer data. 
Supporting Evidence Enclosed with this letter is a copy of my XXXX XXXX XXXXXXXX Report, which provides evidence of the entities that have shared my information. This report demonstrates the unauthorized dissemination of my personal data, constituting a breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding what I believe to be a violation of my privacy rights under 15 U.S.C. 6802-6805 XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provisions of the Fair Credit Reporting Act ( " FCRA '' ). Specifically, this complaint is directed against XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as the financial institutions and credit reporting agencies ( CRAs ) that have shared my personal information with XXXX  without my consent. 
Background and Nature of the XXXX XXXX XXXX XXXX is a third-party entity that has collected and retained my personal and financial information without my consent. Attached to this complaint is a copy of my XXXX XXXX XXXX Report, which lists the financial institutions and other entities that have shared my data. The sharing of this information was done without my express consent or in violation of federal privacy laws.

Under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous notice of their privacy policies and practices and allow customers to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. I did not receive such notices or an opportunity to opt out, as evidenced by the data held by Early Warning Services. This constitutes a direct violation of my privacy rights. 
Furthermore, under the Fair Credit Reporting Act, credit reporting agencies, including XXXX, XXXX, and XXXX, are obligated to ensure accuracy, confidentiality, and permissible use of consumer data. By sharing my information with EWS, these CRAs have failed to meet their privacy and confidentiality obligations under FCRA, putting them in violation of the same laws. 
Legal Violations XXXX. Violation of the XXXX XXXX ( 15 U.S.C. 6802-6805 ) : Financial institutions that shared my data with Early Warning Services failed to provide the legally required notices and opt-out opportunities. 
XXXX. Violation of the Fair Credit Reporting Act : The CRAs listed above have shared my private information with XXXX XXXX XXXX without proper authorization or permissible purpose, thereby breaching their statutory obligations to maintain the privacy and confidentiality of consumer data. 
Supporting Evidence Enclosed with this letter is a copy of my XXXX XXXX XXXXXXXX Report, which provides evidence of the entities that have shared my information. This report demonstrates the unauthorized dissemination of my personal data, constituting a breach of my privacy rights.

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 2024-12-13 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$5300.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$5300.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/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 explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2024-12-13 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 discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2024-12-13 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below I demand that the following account be verified or removed immediately : ( dispute_item_and_explanation } In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
I was approved for {$300.00} XXXX and the money was put into my SoLo wallet. However, I can't withdrawal funds from SoLo wallet. I reached out to support and they couldn't provide any help besides basic troubleshooting that I already performed. I requested they cancel the loan side I can't withdrawal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter to National Credit Systems via [ certified mail/tracked delivery ] requesting validation of a debt they claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). According to the FDCPA, a debt collector is required to provide validation of the debt upon request and cease collection efforts until such validation is provided. 

As of todays date, XX/XX/year>, I have not received a response from National Credit Systems acknowledging or providing the requested debt validation. This lack of response raises concerns about the legitimacy of the debt and is a violation of my rights under federal law.

Despite not validating the debt, National Credit Systems may still be attempting to collect or report this debt to credit bureaus, further compounding the issue. This has caused unnecessary stress and could negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX 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 of 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 non-monetary relief