vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writitng to forrmally dispute the accuracy of the information reported on my credit report by XXXX, XXXX, Equifax, and XXXX XXXX  regarding Account # [ XXXX ]. 

I have no knowledge of this account and believe it to be inaccurately reported on my credit report. As such, I am formally requesting an investigation into this matter and the removal of this account from my consumer reports. 

Under the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate information about a consumer is a violation. Additionally, violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further support my claim that this account is in violation of my rights and tarnishing my creditworthiness. 

I request that the account # [ XXXX ] be thoroughly investigated, and if found to be inaccurately reported or in violation of any laws or regulations, be promptly removed from my consumer reports. 

Please conduct a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writitng to forrmally dispute the accuracy of the information reported on my credit report by XXXX, Experian, XXXX, and XXXX XXXX regarding Account # [ XXXX ]. 

I have no knowledge of this account and believe it to be inaccurately reported on my credit report. As such, I am formally requesting an investigation into this matter and the removal of this account from my consumer reports. 

Under the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate information about a consumer is a violation. Additionally, violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further support my claim that this account is in violation of my rights and tarnishing my creditworthiness. 

I request that the account # [ XXXX ] be thoroughly investigated, and if found to be inaccurately reported or in violation of any laws or regulations, be promptly removed from my consumer reports. 

Please conduct a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely,

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information. By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I opened a Chime Bank account on XX/XX/2024 as I was referred by a friend. Since opening a Chime Amount of have experienced numerous unauthorized transactions from various online gaming establishments. I have files CFPB complaint number XXXX in regards to the most recent 95 unauthorized charges totaling {$3900.00} that were made to XXXX XXXX XXXX 

Within this complaint I would like to address the unauthorized transactions that I disputed with Chime Bank under dispute XXXX that occurred from XX/XX/2024 to XX/XX/2024 for XXXX XXXX XXXX as listed below that total {$3500.00}. 
Date Amount XX/XX/2024 {$10.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$25.00} XX/XX/2024 {$5.00} XX/XX/2024 {$30.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$10.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} Chime Bank denied by dispute with their standard response of " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' I have requested the investigation documents however to date have not received the information,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act experian and XXXX has violated my rights. 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. Code 1681s2 - 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. 


They have a address listed as XXXX XXXX XXXXXXXX XXXX tx. this is not my address and I have never lived there.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-11 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp
State: IL

Complaint narrative:
I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. 

On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information.

By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. 

Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. 

Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While looking at my credit reports I have noticed the following account had a discrepancy in the " date of last activity '' as well as date opened section of the listing : This account has been illegally re-aged which as you know sets the credit reporting time over. This is a violation of the FCRA and the account neede on be deleted Immediately. 

Because of this apparent NEGLECT in your grave responsibility in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While looking at my credit reports I have noticed the following account had a discrepancy in the " date of last activity '' as well as date opened section of the listing : This account has been illegally re-aged which as you know sets the credit reporting time over. This is a violation of the FCRA and the account neede on be deleted Immediately. 

Because of this apparent NEGLECT in your grave responsibility in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item 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 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: OH

Complaint narrative:
After a car accident and totaling my car and after insurance paid and I overpaid now I cant get my refund. I was told 5-10 days in the amount of {$280.00}. I knew I overpaid but car insurance wasnt paying yet and XXXX XXXX charges for each day the loan isnt paid. Now when I called about my refund I was told that they have a 3rd party, XXXX is handling their refunds and I need to call them. I tried calling the 2phone # s given. Message on the phone says the call cant be put through at this time. I tried at different times with the same response. Then I received an email from XXXX stating my refund is being handled by XXXX in the amount of {$160.00}. I tried sending an email a few times to the email addresss in the email that were returned. I called Westlake regarding my refund again. The guy on the line laughed a little and said I had to contact XXXX. I cant get a call to go through to XXXX or emails. Plus they want to give me a card and I want my money not a card and why such a big difference in my refund amount. Sounds like a scam to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
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. 

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  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-11 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: WA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-11 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: TN

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as allowed under USC Law 1681i. Upon reviewing my credit report, I have identified several items that I believe to be incorrect.

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