vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Transunion block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I also noticed these fraudulent auto loans and finances accounts from XXXX XXXX opened on XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-07-04 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: CA

Complaint narrative:
My account was hacked twice in one day and chime failed to protect my account and funds. Chime declined to pay me the funds back that unauthorized wire transfers transactions were being made on my account after someone got into my account twice changing my information. I am a single mother of a XXXX child cant afford to deal with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Delll Pay I.E. Comenity Bank continues to call me, and is now using a " Private toll free Number ''. I've recieved 10 calls this week that are listed from Comenity Bank, never mind the private number calls. 
They called me on MONDAY XXXX @ XXXX, XXXX, and XXXX THURSDAY XXXX @ XXXX, XXXX, XXXX, and XXXX I did speak to a representative @ XXXX on Thursday XXXX who called from a " Private number " and stated that I've scheduled a payment and asked that all calls and communications to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm feeling frustrated because my credit report has inaccuracies and incomplete information. Despite my efforts to correct these issues, they are consistently overlooked, resulting in an unfair impact on my credit score.

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 2024-07-04 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: NC

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: NY

Complaint narrative:
I've recently obtained a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-04 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: NY

Complaint narrative:
I've recently obtained a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Fair Collections and Out placed an account on my credit profile that belongs to a relative. After several failed attempts to have this remove, they continuously report inaccurate 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 2024-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing to formally lodge a complaint against LVNV Funding LLC regarding their handling of a debt collection matter concerning an alleged amount of {$680.00}. 

On XX/XX/XXXX, I received a notice from LVNV Funding LLC claiming that I owe {$680.00}. Prior to this notice, I had not received any communication or correspondence from LVNV Funding LLC regarding this debt. The notice provided no detailed breakdown of how this amount was calculated, nor did it specify the origin of the debt. 

Upon receiving the notice, I immediately took the following actions : Contacted LVNV Funding LLC : On XX/XX/XXXX, I contacted LVNV Funding LLC via phone to inquire about the debt. During this call, I requested additional information about the debt 's origin, including dates and amounts. The representative I spoke with was unable to provide specific details and could not clarify the nature of the debt beyond stating the total amount owed. 

Request for Validation : Per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt in writing on XX/XX/XXXX. Despite this request, I have not received any documentation or proof that substantiates the validity of the debt from LVNV Funding LLC. 

Disputed the Debt : In accordance with the Fair Credit Reporting Act ( FCRA ), I disputed the debt with all major credit reporting agencies ( XXXX, XXXX, and XXXX ) on XX/XX/XXXX. As of today 's date, LVNV Funding LLC has not provided any documentation to these agencies to verify the debt. 

Ongoing Harassment : Despite my requests for verification and dispute of the debt, LVNV Funding LLC continues to send collection notices and make phone calls regarding the alleged debt. These actions are causing undue stress and are in violation of the FDCPA, which prohibits harassment or abuse in debt collection practices. 

I expect LVNV Funding LLC to provide the following actions to resolve this matter : -Provide detailed documentation that validates the existence and amount of the debt. 
-Cease all collection efforts until the debt is properly validated. 
-Refrain from reporting the debt to any credit reporting agency until the validation process is complete.

-I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if LVNV Funding LLC fails to address these concerns promptly and appropriately. 

Please acknowledge receipt of this complaint within 30 days and inform me of the steps LVNV Funding LLC intends to take to resolve this matter. Failure to do so will leave me no choice but to pursue all available legal remedies to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: TX

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. 

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 XXXXXX/XX/XXXX 15 U.S.C . 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 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 explanation
Consumer complaint received 2024-07-04 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:
Transunion is posting inaccurate information to my credit report which is causing damage to my personal life. Transunion is furnishing a consumer report that claims I have a derogatory XXXX XXXX account ending in " XXXX '' from " XXXX XXXX  XXXX / XXXX '' that is " 120 days past due. This misinformation is from a fraudulent account that was opened in XX/XX/year>. It also claims that the current balance is " {$0.00} ''. How can a balance of {$0.00} be past due? This account does not even exist and needs to be removed from my consumer report. 
Both XXXX and XXXX removed the account because they verified that it was inaccurate information, leaving Transunion as the lone furnisher of this inaccurate information, even though it is the legal obligation of all XXXX major credit reporting agencies to be reporting 100 % accurate information. Furthermore, Transunion is violating the FCRA by posting this personal information publicly because I have never given them consent to furnish this inaccurate and personally damaging 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 non-monetary relief
Consumer complaint received 2024-07-04 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: MD

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I had no choice except to follow my lawyer 's advice for filling XXXX XXXX  Bankruptcy to stop foreclosure initiated by XXXX XXXX, counsel for XXXX XXXX XXXX XXXX XXXX XXXX I had only a few hours to comply with the requirements for filing XXXX XXXX bankruptcy in an expedited electronic filing with the United States Court. XXXX XXXX tricked me in early XXXX of XXXX into postponing the hearing, scheduled at the County Courthouse for a temporary injunction by the court to stop collection activities and take the case to jury trial. 

To become a lawyer, one has to go through an extensive law school, learning all sorts of subject studies, including ethics and upholding justice for all. In fact, that is not the case for this lawyer. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and his associates, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), are crooked, dishonest, greedy. They conspired to commit approximately multiple felony counts of California Penal Code 115 by viciously and intentionally inflicting harm to my family and me to take away everything that I had worked hard for the past thirty years. It was like pointing a XXXX at my head in a robbery incident compared to the foreclosure proceedings scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, when the fraud was discovered with the help of a judge in XXXX XXXX XXXX XXXX XXXX for checking at the Recorder Office, I immediately filed a complaint with the District Attorney 's Office. I swore to the investigator, XXXX XXXX XXXX, " I bet my life that I am a victim of fraud. '' He looked at my eyes and told me he was a criminal investigator, but he had no experience in real estate crimes. 

Anyway, I intend to fight this case until justice prevails. XXXX XXXX XXXX and his associates risk felony charges, banning from practicing laws, and a hefty jail time and fine if all of you are still pretending to act viciously to massive fraud due to greed and dishonesty. 

Sent from my 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 2024-07-04 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:
No actions has been taken by company or updated information and also has wrong information on my 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

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 2024-07-04 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and I C System on XX/XX/XXXX under the account number XXXX. I also noticed these fraudulent auto loans and finances accounts from XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX, XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries any reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit is crucial to me. I am genuinely concerned about the inaccuracies on my credit report, which consistently cause stress whenever I am denied new credit approvals.

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