vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
I have been trying to get this 30 day late removed for months. I have been communicating with Tranunion, XXXX, and XXXX. I have sent letters, called, and done everything they asked. I have not been helped. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This is aggravated identity theft according to 18 U.S. Code 1028A!!!!

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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tennessee Credit Management, Inc
State: TX

Complaint narrative:
I am writing regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern to me as I was not previously notified of this collection, and I have serious reservations about the accuracy of the claimed debt. 

As is my right under the Fair Debt Collection Practices Act, I am formally requesting validation of this debt. I expect you to provide this validation and take appropriate steps to address this issue. 

Please note that a comprehensive response, including all requested items, must be furnished within 15 days of the date of this communication. Be advised that failure to provide a satisfactory validation response within this timeframe will be deemed insufficient.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
At XX/XX/year> I XXXX XXXX, Call XXXX XXXX XXXX to verify purchase agreement. They could no do so, in fact they hung up on me due to my investigation.

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime opened an account in my name without my consent and without applying reasonable security protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2024-08-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Please see my attached XXXX for the Record dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-12 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: FL

Complaint narrative:
My name is XXXX XXXX a federally protected consumer and Im making this Complaint against LVNV FUNDING LLC # XXXX for committing identity theft. I have never given LVNV FUNDING LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 12 CFR 1006.34 ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until LVNV FUNDING LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and LVNV FUNDING LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and Response are both Requested and Required LVNV FUNDING LLC ( # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
XXXX  XXXX put and old account that was included in a XXXX XXXX XXXX bankruptcy on my transunion credit report. I contacted them several time XXXX time they could not find the account however they are reporting it every month. The second time I contacted them they found only an old account however they reported that it was open in XXXX Please help

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 2024-08-12 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: NY

Complaint narrative:
I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to express my serious concern regarding the derogatory rating on my account. This negative mark has already had significant consequences, including the rejection of a recent loan application and increased interest rates on my existing credit accounts. The financial and emotional strain this has caused me is substantial and ongoing. 

The impact of this negative rating on my credit profile is severe and far-reaching. It is critically hampering my financial opportunities and causing undue stress in my daily life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: NY

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 confidentially under 15 USC 1681.15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuent to the FCRA and the CFPB my rghts are clearly in violation and Im requesting tat tese accounts be removed at your earliest possible convience!

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 2024-08-12 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: TN

Complaint narrative:
I hope this message finds you well. I am reaching out to request your assistance with updating several accounts on my credit report. I've identified some outdated or incorrect information and would like to ensure that my report accurately reflects my current financial status. 

Thank you for your attention to this matter.

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 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  amount XXXX XXXX i requested debt validation and have not received i requested to have all call stop until they provide and they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have had a Chime account since XXXX and have used it frequently for day to day transactions and receiving deposits from my job. I had no issues with them until XX/XX/XXXX when I was banned with {$660.00} in my account and several transactions linked to the account. I had made a normal cash deposit of {$390.00} at XX/XX/XXXX the day prior as I have always done so nothing was out of the ordinary. I was told I was banned for violating their Deposit Agreement and was ineligible to receive a refund for the money I worked hard for. They refused to pinpoint and inform me what I had done wrong and were now refusing me the opportunity to provide paystubs, documents or anything needed to verify my identity and retrieve my money. I had no issue losing the account as long as I got my money but they adamantly refused to give me my money even after multiple long phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-12 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: AR

Complaint narrative:
XXXX  Victims Letter to consumer reporting agencies XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX Re : Trafficking block request- [ XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir/ Madam I am a victim of XXXX. The information listed above and below which appears on my credit report is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK this information from my credit report within four ( 4 ) business days pursuant to 605c of the fair credit reporting act. As well as 12 CFR Part 1022 ( regulation V ) Please send me a notification of the actions taken. I appreciate the prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX [ XXXX XXXX Mailing address XXXX XXXX XXXX XXXX XXXX AR 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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
After XXXX technical issues with XXXX XXXX XXXX XXXX  I called XXXX for an e-mail error whom confirmed a XXXX Cyberattack on that day suspect ( XXXX & XXXX XXXX ). With my house being vandalized, my best friend indication XXXX XXXX was working with Cybersecurity or hacker XXXX XXXX and his change in character with attempting to use a vulnerable protected adult in the Privacy of my home to coerce, intimidate, & Blackmail me I discarded my devices and ran to a hotel to file a report on the attacks and incidents to the police. As inactive Financial Advisor under non-disclosure and beneficiary ownership with Wells Fargo, the company, and/or the firm w/ independently contracted with XXXX XXXX XXXX XXXX assigned less than {$100.00} XXXX in assets I was very concerned about the intentions of the blackmail. I was kidnapped and have been held under judiciary misconduct of which i have reported to the US Marshals and several government agencies in my investagative role on suspect XXXX XXXX & XXXX XXXX XXXX & other threat actors possibly participating in a Hostile Takeover using me as leveraged buyout and extortion of XXXX negotiations against Wells Fargo seemingly resulting in a {$1.00} XXXX dollar lawsuit through XXXX. I suspect XXXX in XXXX XXXX XXXX Attacks and attempts at XXXX XXXX will they leverage this situation against my XXXX XXXX Wells Fargo Bank for extortion, Espionage, data slavery, distorted social justice causes with threats of XXXX XXXX  me if I do not agree to a misdemeanor delivered through my XXXX  XXXX XXXX XXXX 
The XXXX XXXX Clerk made an error by not submitting a No Appearance when the indictment says XXXX XXXX arrested herself. 
The Prosecutor has failed to dismiss the case for 3 years. with refusal to cooperate. I am a legal representative, XXXX XXXX, XXXX XXXX XXXX of peace initiatives. Under impunity to attempt to prohibit a Double Jeopardy and Immunity for diplomatic efforts to keep our Peace Treaties and IBTA 's Safe. 

This is obviously a reporting error because I can NOT XXXX any person willingly and knowingly committing Global Terrorism costing 5 % of our GDP per year, creating mistrust between foreign relationships and boycotting the Breakdancing Olympics and purposefully impeding and obstructing government agency operations. possibly a work for hire undisclosed or a undisclosed XXXX XXXX XXXX with XXXX XXXX from XXXX, XXXX. 

Any assistance in peacefully resolving this concern saving myself from the precursors of XXXX XXXX, organ trafficking, domestic & foreign suspicious activities, and human trafficking would be excessively appreciated with immense gratitude. 

I

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Ive requested debt validation and the account came back verified, but no documentation was provided as to how the information was accurate or even belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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