vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2024-11-29 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
It's concerning how all three credit bureaus can share my personal information, potentially putting my data at risk. The fact that credit bureaus can sell my personal information to third parties is alarming. My sensitive data should be treated with the utmost care and confidentiality, not passed around for profit. It's crucial to consider who has access to my information and take steps to ensure my privacy and security are protected. My data should be safeguarded, not commodified for the highest bidder. I need to take control of my information and demand transparency and respect for 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 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hey I bank with chime one XX/XX/XXXX I noticed someone had changed my email to my chime account and I forgot my password so I couldnt log in to my account. On XX/XX/XXXX some used my card at XXXX for XXXX then they went to the atm and withdrew {$140.00} I didnt authorize those chargers on XX/XX/XXXX I called chime to dispute the chargers but the keep denying my dispute I sent evidence that I dont live in XXXX I stay and XXXX  the didnt read all the evidence I sent them I keep making the same dispute over and the ask to send the same documents but dispute my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-29 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 explanation
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2024-11-29 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:
It's concerning how all three credit bureaus can share my personal information, potentially putting my data at risk. The fact that credit bureaus can sell my personal information to third parties is alarming. My sensitive data should be treated with the utmost care and confidentiality, not passed around for profit. It's crucial to consider who has access to my information and take steps to ensure my privacy and security are protected. My data should be safeguarded, not commodified for the highest bidder. I need to take control of my information and demand transparency and respect for my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
It's concerning how all three credit bureaus can share my personal information, potentially putting my data at risk. The fact that credit bureaus can sell my personal information to third parties is alarming. My sensitive data should be treated with the utmost care and confidentiality, not passed around for profit. It's crucial to consider who has access to my information and take steps to ensure my privacy and security are protected. My data should be safeguarded, not commodified for the highest bidder. I need to take control of my information and demand transparency and respect for 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 2024-11-29 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:
To Whom It May Concern : I am writing to formally dispute the account under XXXX XXXX XXXX that has been reported on my credit file. This account is for a debt originally owed to XXXX XXXX XXXX XXXX, and the account in question was never consented to by me for collection by XXXX XXXX XXXX. I request that this account be deleted from my credit report due to the following violations of consumer protection laws. 

Account Details : Creditor Name : XXXX XXXX XXXX ( Collection Agency ) Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( last four digits ) Balance : {$680.00} Date Opened : XX/XX/year> Status : Collection Account Account Status : Disputed by consumer Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( Harassment or Abuse ) and Section 809 ( Validation of Debts ) : XXXX XXXX XXXX has failed to provide proper debt validation upon my request. Under FDCPA Section 809, they must verify that they have the legal right to collect this debt. I have never received any documentation or proof that XXXX XXXX XXXX is authorized to collect on behalf of XXXX XXXX, nor have they provided any information to support their claim. The lack of consent or any written authorization for this debt to be placed with XXXX XXXX XXXX is a violation of consumer rights. 
Fair Credit Reporting Act ( FCRA ) Section 609 ( Request for Information ) : Under FCRA Section 609, I am entitled to request and receive proof that a debt is legitimate and properly assigned to the collection agency. XXXX XXXX XXXX has failed to provide such proof, despite my request. Additionally, FCRA Section 623 mandates that any creditor or collection agency that reports information to a credit reporting agency must ensure the accuracy of the information reported. Without proper documentation or proof, the information reported by XXXX XXXX XXXX is inaccurate and should be deleted from my credit report. 
Fair Credit Reporting Act ( FCRA ) Section 605 ( Time Limits on Reporting ) : This account was reported as a collection from XXXX XXXX XXXX without my consent or knowledge, and FCRA Section 605 restricts how long negative information can remain on your credit report. Inaccurate or unverifiable information, such as this collection account, is not allowed to remain on your credit file under the FCRA. 
Unauthorized Collection Actions Violations of Consent : XXXX XXXX XXXX has placed this account in collections without my consent, and they failed to provide any written agreement or contract authorizing them to collect on my behalf. Under FDCPA and FCRA guidelines, no collection agency is permitted to report or collect debt without explicit consent from the consumer and proper validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
To Whom It May Concern : I am writing to formally dispute the account under XXXX XXXX XXXX that has been reported on my credit file. This account is for a debt originally owed to XXXX XXXX XXXX XXXX, and the account in question was never consented to by me for collection by XXXX XXXX XXXX. I request that this account be deleted from my credit report due to the following violations of consumer protection laws. 

Account Details : Creditor Name : XXXX XXXX XXXX ( Collection Agency ) Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( last four digits ) Balance : {$680.00} Date Opened : XX/XX/2024 Status : Collection Account Account Status : Disputed by consumer Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( Harassment or Abuse ) and Section 809 ( Validation of Debts ) : XXXX XXXX XXXX has failed to provide proper debt validation upon my request. Under FDCPA Section 809, they must verify that they have the legal right to collect this debt. I have never received any documentation or proof that XXXX XXXX XXXX is authorized to collect on behalf of XXXX XXXX, nor have they provided any information to support their claim. The lack of consent or any written authorization for this debt to be placed with XXXX XXXX XXXX is a violation of consumer rights. 
Fair Credit Reporting Act ( FCRA ) Section 609 ( Request for Information ) : Under FCRA Section 609, I am entitled to request and receive proof that a debt is legitimate and properly assigned to the collection agency. XXXX XXXX XXXX has failed to provide such proof, despite my request. Additionally, FCRA Section 623 mandates that any creditor or collection agency that reports information to a credit reporting agency must ensure the accuracy of the information reported. Without proper documentation or proof, the information reported by XXXX XXXX XXXX is inaccurate and should be deleted from my credit report. 
Fair Credit Reporting Act ( FCRA ) Section 605 ( Time Limits on Reporting ) : This account was reported as a collection from XXXX XXXX XXXX without my consent or knowledge, and FCRA Section 605 restricts how long negative information can remain on your credit report. Inaccurate or unverifiable information, such as this collection account, is not allowed to remain on your credit file under the FCRA. 
Unauthorized Collection Actions Violations of Consent : XXXX XXXX XXXX has placed this account in collections without my consent, and they failed to provide any written agreement or contract authorizing them to collect on my behalf. Under FDCPA and FCRA guidelines, no collection agency is permitted to report or collect debt without explicit consent from the consumer and proper validation of the debt.

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 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
On XX/XX/year> we purchased a car from XXXX XXXX and financed the entire amount of the loan through Driveway Finance ( an affilate of XXXX we'd not heard of previously ) in the amount of {$25000.00} ( loan # XXXX ). We were told the loan required no downpayment. We also purchased with cash a XXXX XXXX XXXX for {$5300.00}. On XX/XX/year> the car was involved in a crash that totaled the car. We contacted XXXX and requested a cancellation of the XXXX XXXX XXXX and refund the money to us. All but {$940.00} was returned to us. XXXX XXXX told us we would have to contact Driveway Finance since that portion of the package was sent to them and not us. Driveway Finance refused to refund it claiming it was a downpayment on the loan and therefore applied it to our principal. The funds were sent to Driveway by the insurance company sometime in XXXX or early XXXX It took Driveway Finance until XX/XX/year> to post the payment. After many repeat calls we finally received our refund on XX/XX/year>. We were told it would take 6 weeks but it was 10 weeks instead. They kept our money when they had no right and they held our refund way longer than is considered reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-11-29 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: TX

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-11-29 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-11-29 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:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-11-29 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:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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