vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX XXXX XX/XX/year> National Credit Systems XXXX Naturally Fresh Blv XXXX XXXX GA, XXXX Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : No acknowledge Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX XXXX XXXX : XXXX Reason for Dispute : No acknowledge Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
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 2024-09-07 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: NC

Complaint narrative:
Trans Union has included negative information reported by a third-party debt collection agency on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Trans Union nor the reporting agency has provided this evidence. This raises serious concerns about Trans Unions compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. I respectfully request that the CFPB investigate Trans Unions practices in this case and take the necessary actions to have this derogatory information removed from my credit report 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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am not liable for this debt with I C SYSTEM INC .I do not have a contract with I C SYSTEM INC.Dear IC Systems, I am writing in regards to a collection that came up on my credit report on XX/XX/XXXXXXXX XXXX, 2024.It was brought to my attention that this debt involves XXXX I am disputing this debt because I have no knowledge of this debt. Nor am I liable for this debt because there is no contract between me and your company. You are in violation of the Fair Credit Reporting Act .Please verify this debt as required by the Fair Debt Collection Practice Act with the following.1 ) Proof of my contract to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor 3 ) A break down of the total amount due, showing principal, interest, and other charges, and 4 ) For all charges, the date of and the basis of each charge.I dispute this debt because I do not recognize this debt and do not owe any money to this creditor. 
Collection Agency IC SYSTEMS Original Creditor Name XXXX XXXX  Date Assigned XXXX XXXX, 2024 Original Amount Owed {$220.00} Amount {$220.00} Status Date XXXX XXXX, 2024 Status XXXX Balance Date XXXX XXXX, 2024 Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First XXXX  XXXX XXXX, 2023 2023

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 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX  {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I opened an account with sofi bank. I wired my funds from XXXXXXXX XXXX  to sofi ( around {$2500.00} ). It was open about a month & I deposited a check it initially was cleared after a week. The check then came back, but I had the funds to cover the bad check. They then froze my account which was about 2 months ago saying I violated there policy. I asked them when they were going close my account and issue a check and mail me my remaining funds, they said they couldn't give me any information at this time. Everytime I call that's what they tell me. They still haven't closed my account & are now saying I will not receive my remaining funds when I am owed around {$900.00} & want give any more information. I have asked was there anything I can do to speed up process? One lady told me I could do a verify your id check. So I completed that & she said not to worry after that I would be receiving my funds. I have called twice since then speaking with someone in the fraud department everytime they are now saying this last time I will not be receiving any of my remaining funds. I asked why they couldn't give me a reason. But I don't owe any money to bank, I'm still owed around {$900.00} dollars & want my remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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 realized this is on my credit report and this is not mine, never had this card before please help deleting 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 2024-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am a student at XXXX XXXX in XXXX Texas. School started on the XXXX of XXXX, and XXXX XXXX uses XXXXXXXX XXXX as their servicer for student refunds for Financial Aid. A student can either get XXXXXXXX XXXX  student green card if they do not have a personal bank. I was using Chime as my provider because I also use them to get my XXXX Checks. Chime has always been reliable for these direct deposits, but on the XXXX of XXXX XXXX XXXX  sent to Chime my Financial Aid refund. I call everyday because I keep getting told that yes they have the disbursement and that it will clear later that day, and XXXX  days later I still do not have my disbursement. I am an Account Holder, and am in good standing. When I found out that Chime had my disbursement I took my car to the shop. It is my only car, and repairs have been made but the auto repair shop will not release my vehicle until I have paid them and each day it is there it is XXXX dollars a day. At the rate I am going my bill at the repair shop will be almost my entire disbursement. I am working towards my XXXX XXXX and never have had this problem. Now when I call Chime, its as if I am bugging them and they are rude to me having hung up on me, one even told me patience lady. I am behind on my rent, need my car back as I currently was diagnosed with XXXX XXXX, and have doctor 's appointments that I have missed. I'm asking for your assisstance to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
I had my Driving record check to receive insurance rate. I notice XXXX incorrect information on it and I do not know anything about it. XXXX of them is for no fault accident and one was for collision back in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$560.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
The company is knowingly trying to collect on a fraudulent account. I have been disputing these fraudulent accounts since 2023. I have requested Validation of Debt, Collection Agency License, Original Contract with my signature, acknowledgement of receipt of police reports and affidavits of identity theft, detailed methods of verification all of which have been ignored. I have even provided the company with a complete printout of FCRA-605b to explain that a fraudulent account can't legally be sold or reported after proof of such has been provided, which it has.

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 2024-09-07 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: CA

Complaint narrative:
I just finished further reviewing my Experian Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted from my Experian Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, CA 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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to report an XXXX XXXX issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my fi le. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX  Account XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Amount {$750.00}, XXXX XXXX Account XXXX  XXXX Amount {$540.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account {$23000.00}, XXXX XXXX XXXX # XXXX, XXXX Inquiry on XX/XX/2022XX/XX/year>

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 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is now the 3rd proxy company LVNV funding LLC had used to harass me for a debt for which there is no agreement in writing with my wet signature that I have an obligation with LVNV funding llc. They have use at TOTAL OF 3 COMPANIES TO HARASS ME NOW. Please see my to previous cases as proof. Lvnv keeps violating the cease and desists so I will now obtain legal counsel and am preparing to sue. I request that that what ever account or accounts lvnv is reporting on my credit report be IMMEDIATLY REMOVED AND DELETED FROM MY TRADELINE. Failure to do so will result in me invoking my rights under FCRA protections and will sue LVNV for breaking and disregarding regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern the per 15USC 1692-C it should be removed from my account. The collection agency failed to provide me with the documents I requested as follows has it been any insurance claim found on this debt? I want to see the claim of Title that you have to collect on this debt. Please provide all the documents within XXXX  days or please remove it from my credit report. per 15USC 1692-C it should be removed from my account Thank you

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 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of XXXX XXXX and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

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 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 2024-09-07 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC, a debt collection agency has unlawfully reported derogatory information {$1400.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. The agency has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Today ( XX/XX/24 ) I was trying to redeem my reward points from my CitiBank DoubleCash Card. Citibank makes it incredibly difficult to redeem these points. The user has to log onto a totally separate website ( thankyou.com ). Because I was already logged into the citibank website, I kept getting redirected to the citi website. When I was finally able to login to thankyou.com, I was locked out, presumably because I entered in my security question incorrectly. Unfortunately, website never told me what the problem was in logging in. The website directed me to call a particular number ( XXXX ). After a 15 minute wait time, the customer service representative told me that he does not have anything to do with the rewards program and gave me a separate number to call. This number ( XXXX ) provided a voice activated menu which purported to send me to the points redemption department by speaking the word " Points. '' However, it never acknowledged when I spoke the word " points. '' I called back multiple times to the menu to confirm this. Also, it did not provide me the means to select the department by entering a number rather than speaking a word. Out of desperation I just entered the number " XXXX '' even though it was not an option offered by the voice message. By doing this I was able to connect to a customer service representative. The customer service representative denied that I was locked out of thankyou.com and offered no means for me to be able to log back in. She did offer to redeem my points for me, to which I agreed. Those redeemed points still have not posted to my account after 1 hour.

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