vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-13 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: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: MI

Complaint narrative:
Dispute results clearly states '>>> The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account XXXX XXXX XXXXXXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX '' -- -- Even with this proof Company has failed to investigate and has incorrectly reported file knowing they have a paper, digital and XXXX XXXX of this

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 2024-05-13 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: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I requested, via a signed and notarized letter sent certified mail, the original bill of sale from the debt seller, The name and address of the original creditor, the account number ( XXXX ), and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 

All they sent me was their phone number * ( no answer ) and a final bill from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NC

Complaint narrative:
Per dispute results report # XXXX for XXXX XXXX- The following accounts, XXXX CARD : XXXX, XXXX XXXX  : XXXX and XXXX XXXX XXXX XXXX : XXXX, were updated but not removed from my consumer credit report per my request. I have requested multiple times, since XX/XX/year>, for specific documentation, such as the original application and contract agreement with my wet signature showing that I physically signed and authorized these accounts, as well as other necessary certified forms of documentation to validate the debt, and they failed to provide the requested information concerning this debt as certified proof to validate the " verified as accurate updated status '' of these disputed accounts. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all reporting is indeed 100 % accurate. If all requested documents can not be provided by the reporting agency/creditor for the accuracy of the accounts to be proved, then by law it must be removed. As the affected consumer, I am distressed that you failed to maintain reasonable procedures to assure 100 % validity completeness, accuracy and correctness in the credit reports that you provide to creditors. As the affected consumer, I am distressed that you failed to provide me with the specific documentation I've requested in the time frame allowed by the consumer laws. As the affected consumer, I have suffered damages in the form of invasion of privacy, reputational damage, emotional and physical damage and economic harm. This unverified information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity and overall quality of life. These unverified accounts have already been removed and deleted from my XXXX consumer credit report but are still being reported on my Transunion consumer credit 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 2024-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Ive asked XXXX XXXX to remove this unauthorized and unrecognized hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 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: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am receiving debt collection emails from this company in which i did not sign a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I've been waiting on a cash refund since XX/XX/XXXX from Affirm. I called several times and each time I was told it was mailed out. They reported this on my credit report as a missed payment several times. I was told on XX/XX/XXXX that the check was mailed out on XX/XX/XXXX. I still have yet to receive any form of refund. 

Refund amount is XXXX on XXXX XXXX XXXX XXXX XXXX. It has been over 90 days and still have not got a refund. 

The purchase was made through XXXX and returned completed XX/XX/XXXX. 

Affirm keeps reporting missed payments to my credit report on items that have been returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX... 
Size : XXXX XXXX XXXX : XXXX {$53.00} Refund issued {$57.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX Affirm said a check was finally mailed out on XX/XX/XXXX but still has not received the refund. 
Affirm has hit my credit report several times with missed payments based on them not getting the item back in time for a timely refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding fraudulent inquiries on my Transunion credit report. Upon reviewing my credit report, I discovered unauthorized inquiries that have negatively impacted my credit score and financial standing. These inquiries are clearly fraudulent and were not initiated by me. 

I have taken immediate action to protect my identity and mitigate any further damage by filing a complaint with the Federal Trade Commission ( FTC ) and initiating a fraud alert with the major credit bureaus. However, I believe it is crucial to bring this matter to your attention to ensure that appropriate measures are taken to address and rectify this situation. 

The unauthorized inquiries on my credit report not only undermine my financial stability but also raise serious concerns about the security of my personal information. I am deeply troubled by the implications of identity theft and the potential ramifications it may have on my future financial transactions and credibility. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to remove the fraudulent inquiries from my credit report. Additionally, I urge you to work closely with the relevant authorities to hold the responsible parties accountable and prevent similar incidents from occurring in the future. 

Please find enclosed copies of the documentation related to the fraudulent inquiries, including any correspondence with the credit bureaus and the FTC. Your prompt attention to this matter would be greatly appreciated.

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 2024-05-13 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-05-13 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year> at approx. XXXX as trustee I called Synchrony Bank/ XXXX XXXX # [ XXXX ] and spoke to rep XXXX intending to provide CD closure upon maturity instructions ( in response to a maturity mailing which stated CD closure could only be done by phone ). When asked the verification question " What was the model of your first car? '' I answered with the only response I have ever given to that question, but was told that did not match the system so I would be required to receive a text message with a link to a multi-step verification process. The process ( which I was told was new ) was excessively time consuming and was repeatedly roadblocked with MULTIPLE failures -- the DOCUMENTATION OF THESE FAILURES IS AVAILABLE IN THE RECORDING of my conversation with XXXX during the process, which I was told will be maintained by Synchrony. For example : the first text link failed and required a 2nd sending, a video of the process required for the next step would not play ( despite multiple attempts at options to access ), the step of a required video led to a message " This site can't ask for your permission. Close any bubbles or overlays from other apps ... '' when no other apps were open. When I asked if there was an option to do the process with email/online, the resultant email simply said the process had to be done by phone or tablet! When I asked if I could speak to a supervisor, I was told none was available, requiring a request for a callback by one within XXXX hours. The only option available was to be mailed a code ( to be called in to a rep for verification info correction ) which would take XXXX days to be sent plus XXXX days to be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
In XXXX of 2022 I opened a chime banking account. Around XX/XX/year> I made XXXX separate cash deposits at a XXXX XXXX in XXXX XXXX. XXXX for {$500.00} and XXXX for {$400.00}. Immediately after depositing the funds chime closed my account and got XXXX years theyve denied refunding me my deposits. I no longer desire an account with them. I called them XXXX days ago as I learned theyre being sued for this same reason and was told before being hung up on that they closed my account and Im not eligible for a refund. How can someone get away with this? I submitted the required documentation they asked for account verification despite providing the same info at the opening of the account and they refused to comply. This is illegal. This is robbery. At that time I Fell behind significantly in my expenses as that was XXXX XXXX of my rent money. I just want my money back and its fair to say after all this time Im owed interest as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
CREDIT BUREAU REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. ACCORDING TO THE FCRA THIS IS A VIOLATION

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Per the review of my consumer credit report from your agency for XXXX XXXX- There is an issue with the following accounts : XXXX XXXXXXXX XXXX  account number # XXXX and XXXX XXXX account numbers # XXXX, # XXXX and # XXXX. I have requested multiple times for specific documentation, such as the original application and contract agreement with my wet signature showing that I physically signed and authorized these accounts, as well as other necessary certified forms of documentation to validate the debt, and they failed to provide the requested information concerning this debt as certified proof to validate the " verified as accurate updated status '' of these disputed accounts. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all reporting is indeed 100 % accurate. If all requested documents can not be provided by the reporting agency/creditor for the accuracy of the accounts to be proved, then by law it must be removed. As the affected consumer, I am distressed that you failed to maintain reasonable procedures to assure 100 % validity completeness, accuracy and correctness in the credit reports that you provide to creditors. As the affected consumer, I am distressed that you failed to provide me with the specific documentation I've requested in the time frame allowed by the consumer laws. As the affected consumer, I have suffered damages in the form of invasion of privacy, reputational damage, emotional and physical damage and economic harm. This unverified information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity and overall quality of life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not give anyone authorization or consent to use my personal information.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed 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