vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This accounts were opened out of my will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-06-28 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: PA

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing you to inform you that I reviewed my consumer report and found that there was inquiries of unauthorized usage on my report. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

As a result of this fraudulent activity i have suffered mental distress, anxiety, emotional distress, and I am demanding a payment of {$1000.00} to settle this matter.

IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2024-06-28 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: SC

Complaint narrative:
I am composing this to formally dispute any inaccuracies that might have surfaced on my credit record. Upon meticulous examination of the data, I have discovered some significant errors in the account specifics. The fact that these mistakes can negatively impact my prospects and financial status makes me concerned.

These anomalies need to be promptly resolved in order for my credit profile to continue being accurate and legitimate. As required by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the disputed items and their immediate correction.

I've attached supporting documentation that outlines the distinctions for your review and thought. Your timely attention to this matter is greatly appreciated, since it is essential to maintaining my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.

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 2024-06-28 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: GA

Complaint narrative:
**Complaint to the CFPB** **Your Information : ** - Name : XXXX XXXX - XXXX : XXXX XXXX XXXX, XXXX, GA XXXX **Complaint Details : ** To Whom It May Concern, I am writing to formally dispute an item on my credit report. Despite my previous attempts to resolve this issue, it remains unresolved. 

**Disputed Item : ** - Dispute Reference Number : XXXX - Court : XXXX XXXX XXXX XXXXXXXX - Case Number : XXXX **Details of the Dispute : ** I have previously disputed this item with Experian and XXXX. In response, both agencies verified the item as accurate, stating that they have verified the information with the court. However, upon contacting the court, I was informed that they do not report to either of these credit bureaus. I have enclosed their response for your reference. 

Your initial responses verifying the item with the court were either errors or misrepresentations. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the reporting requirements have not been met, and the information must be deleted immediately. 

Additionally, I would like to bring to your attention that my bankruptcy is not listed in my XXXX or XXXX XXXX report. This discrepancy between credit reports is not in compliance with the FCRA 's requirement for maximum accuracy. This further supports the inaccuracy of the information being reported on my credit report. 

I request that you take immediate action to remove the incorrect items from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE FROM A LOCAL MALL AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX # XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX OPENED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
**Complaint to the CFPB** **Your Information : ** - Name : XXXX XXXX - XXXX : XXXX XXXX XXXX, XXXX, GA XXXX **Complaint Details : ** To Whom It May Concern, I am writing to formally dispute an item on my credit report. Despite my previous attempts to resolve this issue, it remains unresolved. 

**Disputed Item : ** - Dispute Reference Number : XXXX - Court : XXXX XXXX XXXX XXXXXXXX - Case Number : XXXX **Details of the Dispute : ** I have previously disputed this item with Experian and XXXX. In response, both agencies verified the item as accurate, stating that they have verified the information with the court. However, upon contacting the court, I was informed that they do not report to either of these credit bureaus. I have enclosed their response for your reference. 

Your initial responses verifying the item with the court were either errors or misrepresentations. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the reporting requirements have not been met, and the information must be deleted immediately. 

Additionally, I would like to bring to your attention that my bankruptcy is not listed in my XXXX or XXXX XXXX report. This discrepancy between credit reports is not in compliance with the FCRA 's requirement for maximum accuracy. This further supports the inaccuracy of the information being reported on my credit report. 

I request that you take immediate action to remove the incorrect items from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$9700.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2024-06-28 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: SC

Complaint narrative:
I am composing this to formally dispute any inaccuracies that might have surfaced on my credit record. Upon meticulous examination of the data, I have discovered some significant errors in the account specifics. The fact that these mistakes can negatively impact my prospects and financial status makes me concerned. 

These anomalies need to be promptly resolved in order for my credit profile to continue being accurate and legitimate. As required by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the disputed items and their immediate correction. 

I've attached supporting documentation that outlines the distinctions for your review and thought. Your timely attention to this matter is greatly appreciated, since it is essential to maintaining my financial stability.

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 2024-06-28 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime forced my account into suspension when I deposited a check my grandpa sent me for {$1000.00}. First, they delayed the funds, then they froze the account. I got so many phishy emails about why it was suspended, and emails from people pretending to be chime. To the point fast forward to XXXX XXXXXXXX, I still cant get access to funds in my chime account or access to my chime account at all. I am so XXXX off!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
Formal Complaint Regarding Unauthorized Payment and Overdraft Fee Reimbursement Request Dear Best Egg Customer Service, I am writing to bring to your attention a concerning issue regarding a payment that was processed online by Best Egg on XX/XX/year>, in the amount of {$16.00}. This payment was scheduled to be pulled from my account on XX/XX/year>. 

On XX/XX/year>, at XXXX pm, I contacted Best Egg to cancel the payment. The representative I spoke with assured me that the payment had been successfully cancelled. Despite this assurance, Best Egg proceeded to process the payment on my bank account on XX/XX/year>. 

As a result of this unauthorized payment, my account incurred an overdraft, leading to a {$50.00} overdraft fee being charged by my bank. This error on Best Egg 's part has caused me financial distress and inconvenience. 

I am formally requesting that Best Egg reimburse me for the {$50.00} overdraft fee that I was charged due to the erroneous processing of the payment that I had specifically requested to cancel. 

I urge Best Egg to investigate this matter thoroughly, rectify the error, and provide me with a prompt resolution. I kindly request confirmation of receipt of this complaint and a timeline for when I can expect a response regarding the reimbursement of the overdraft fee. 

Thank you for your attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.

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 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
On XX/XX/year>, SUNRISE CREDIT SERVICE ( hereinafter SCS ) erroneously submitted a a collection to the XXXX, Transition and XXXX. Immediately, I submitted a letter of verification from this company requesting i.e. Verification, Validation, Original Contract, Payment History of the person they accused me of being. I did not receive a response. 

In this letter I informed them to cease all communication with me in regards to the identity theft this company was participating in. I also informed them that this debt was fraudulent and already removed from my credit report in the past. In last I informed them that I will file a police report against them for identity theft. 

This account XXXX XXXX XXXX XXXX indicates that this XXXX mobility account was opened XX/XX/year>. This clearly demonstrates that the Credit Bureau failed to adhere to there Metro 2 Standards and the FDCR regulations as well as SCS blatantly committing financial fraud.

* The financial law clearly states that a delinquent account only becomes worthy of credit debt 90 days after failure to make a payment. Herein, if a account was opened in XXXX it would be worthy of becoming collective debt until XXXX. This clearly shows negligence on SCS behalf with intent to defraud the credit bureau. In light of that the credit bureau are consistently failure consumers by allowing such negligence to ruin, damage and harm credit profiles. In particular, the credit bureau has penalize my fido score and WOULD NOT reinstate the points taken for this error after its deleted. 

More so, I have never done business with this entity. The account also doesn't have a payment history. 

The Credit Bureau has failed me tremendously and wish to hold them accountable for such action.

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