vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I've contacted the debt collector and XXXX  to address the issue. I don't owe them any monies I purchased and returned device within 15 days of trial and XXXX refunded my monies back. The following month I received a bill stating I owe a balance and now a collection agency has been trying to collect on debt and it hurting my credit score. Since 2019 when debt was reported I received no communication from debt collector. Furthermore XXXX has denied even speaking to me about debt after verification that I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$5800.00} Chargeoff XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX XXXX {$1400.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I sent them a letter and ask the to validate the debt they say I owe and also ask them on the phone. I ask them to send me original purchase agreement with all wet signatures. The last statement showing the balance in payment history and asked him to send it in writing and do not call text or email. They are texting me and threatened to sue me. Garnish me repossess my car. I sent the letter asking for the documents on XX/XX/year> I have not heard or seen anything from the courts that I have a court hearing whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion put a hold on my credit score, and everywhere my credit card applications are denied, I am so stressed out about what to do.

Transunion never let me know the reason for the hold I have to buy gifts and
groceries for XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX all credit card denied Please help me I always pay all bills on time my credit score was above XXXX before Transunion hold Now I am unable to check my score Dont ruin XXXX XXXX fr 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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/year> I filed a dispute with chime about an unauthorized transaction that happened multiple times at different locations. They only accepted one of the 3 unauthorized transactions. In this time I was promised a credit of the funds if not received by a certain date. This date was XX/XX/year>. Today XX/XX/year> when I called customer service again to gather information keep in mind I was kind of annoyed at this point so i was not one of the friendliest of people over the phone. The first person I spoke with he continues to ask for the basic credentials to my account. once I gave him the information, I then proceeded to ask the person for the first and last name to get for my records. He stated with a shakey voice that he was not allowed to give out his last name for quality reasons. This seemed fishy to me so I asked for his supervisor, once the supervisor got on the phone after being placed on hold she also refused to give out her last name.. I ultimately got frustrated stated my reasons behind why I needed it and they just apologize and said we don't know what's going on with the investigation on your dispute even though we're coming up on a month ago of it being filed. Chime is not trustworthy nor professional in any way. The customer support needs to be shut down and the funds that they get paid to do nothing should go elsewhere to make sure the customer is actually taken care of properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Company has been asked for past 2 years to resolve fraud issues and stop allowing for unauthorized inquiries. As presented by XXXX screenshots its shown XXXX and Equifax have continued reporting fraudulent accounts making it impossible for consumer to obtain credit and housing. XXXX has been up to date and accurate and has been provided to both companies which they ignored and did not run disputed information. When provided with theft report and CFPB disputes companies both ignore and sides with theft coming from reporting companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Are fraudulent and have have yet to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent several requests to have my previous and current address added to my credit report, but they will not list all my addresses. My addresses are as listed XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Also, the list of Inquiries are not mine nor have I allowed anyone to use my name they are Not a matter of Fact and must be removed but they have not done so. 
XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company has been asked for past 2 years to resolve fraud issues and stop allowing for unauthorized inquiries. As presented by XXXX screenshots its shown Transunion and XXXX have continued reporting fraudulent accounts making it impossible for consumer to obtain credit and housing. XXXX has been up to date and accurate and has been provided to both companies which they ignored and did not run disputed information. When provided with theft report and CFPB disputes companies both ignore and sides with theft coming from reporting companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are fraudulent and have have yet to be investigated

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 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Approximately XX/XX/year> at XXXX my brother sent a small {$10.00} chime to chime transfer to my account. The transfer never was sent through chime as my brother sent an email of the confirmation being made and I recieved an email my brother sent the {$10.00} to my accounts.. However the small fee would be held and not applied to the account. I also have Email confirmation and a photo my brother sent as well. This attendant still chose not to release it. She would not state if she could see the transaction as well. Then said ny brother would need to call cause he sent the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX accounts was paid in full. Requested for permanent deletions on XXXX, XXXX, XXXX credit report. Still showing as derogatory remarks on report. 

acct # XXXX is XXXX paid in full receipt # is XXXX acct # name XXXX XXXX acct # XXXX is XXXX paid in full receipt # is XXXX acct # name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NJ

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff- XXXX XXXXXXXX Opened XXXX XX/XX/XXXX XXXX : {$610000.00} Late/Open- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$13000.00} 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 2024-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My mortgage was sold to Select Portfolio Servicing and it has been modified at least twice and I was told that my final mortgage payment was due in XX/XX/year> at which point a balloon payment of {$50000.00} would come due. I asked for them several times to please send me a new amortization schedule and they did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: SLM CORPORATION
State: IL

Complaint narrative:
I called each of these companies to remove inquiries from my transunion credit report that I did not authorize nor do i have an account with. Sallie Mae is on here and I am not a student. My credit has been comprised. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SALLIE MAE BANK 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called each of these companies to remove inquiries from my transunion credit report that I did not authorize nor do i have an account with. XXXX XXXX is on here and I am not a student. My credit has been comprised. 


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

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 2024-11-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff- XXXX XXXXXXXX Opened XXXX XX/XX/XXXX XXXX : {$610000.00} Late/Open- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff- XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 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 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