vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested to dispute the account below I have know knowledge of nor did I authorize with the XXXX credit credit bureaus. 

Upon the investigation XXXX determined that the unauthorized account would be resolved and removed from my credit report. 

Transunion XXXX XXXX are still reporting this on my credit which is preventing me from closing on my home loan. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$7300.00} OPEN {$7300.00} XXXX $ XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; FACTORING COMPANY ; ORIGINAL CREDITOR : 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 2024-07-12 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested to dispute the account below I have know knowledge of nor did I authorize with the 3 credit credit bureaus. 

Upon the investigation XXXX determined that the unauthorized account would be resolved and removed from my credit report. 

XXXX XXXX XXXX are still reporting this on my credit which is preventing me from closing on my home loan. 

LVNV FUNDING LLC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$7300.00} OPEN {$7300.00} XXXX $ XXXX {$7300.00} XXXX XXXX XXXX XXXX CXXXX XXXX History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. This is a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I respectfully requested that your office provides me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX Account Name : XXXX XXXX XXXX -I mailed out a letter on XX/XX/year> requesting validation of this debt within 30 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

-I mailed out a 2nd letter on XX/XX/year> requesting validation of this debt within 7 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

The following account remains unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus Account number XXXX Account number previously reflecting on credit report : 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 2024-07-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602 states i have a right to privacy. Fifteen USA sixteen eight-one section six oh four A section two states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six B. A creditor may not treat a payment on a credit card account under open end consumer credit paln as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed an updated copy of my credit report and noticed that some of my credit references are not included, despite being reported and verified. I am requesting a re-investigation of these accounts as they are missing from my report. Enclosed is a letter from the merchant confirming the reporting of these accounts. Under the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I formally request that you re-investigate and remove the following accounts : Additionally, I request the name and address of the individuals or entities contacted during this re-investigation process. According to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the accounts have been updated. Once the updates are complete, kindly forward an updated copy of my credit report to the address listed above. Kindly help me correct the following items immediately : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

6. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

7. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

8. XXXX XXXX Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2024-07-12 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: TX

Complaint narrative:
I recently reviewed an updated copy of my credit report and noticed that some of my credit references are not included, despite being reported and verified. I am requesting a re-investigation of these accounts as they are missing from my report. Enclosed is a letter from the merchant confirming the reporting of these accounts. Under the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I formally request that you re-investigate and remove the following accounts : Additionally, I request the name and address of the individuals or entities contacted during this re-investigation process. According to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the accounts have been updated. Once the updates are complete, kindly forward an updated copy of my credit report to the address listed above. Kindly help me correct the following items immediately : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

6. XXXX XXXX XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

7. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

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 to add notes

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 2024-07-12 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: 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.

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 inructions 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 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 2024-07-12 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: GA

Complaint narrative:
This discrepancy and the reinsertion of the deleted item without proper notification are violations of the FCRA. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which constitutes a further violation of my rights under the FCRA. 
Creditor : 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 2024-07-12 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:
This discrepancy and the reinsertion of the deleted item without proper notification are violations of the FCRA. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which constitutes a further violation of my rights under the FCRA. 
Creditor : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/year>, my business enhanced checking account was closed with a balance. As of XX/XX/year>, I have yet to receive my account balance, in the form of a check, to either my physical address or my po box .

Per the website, if any checking account is closed with a balance, the balance will either be transferred to an external linked account, or mailed to the address on file. 

I have sent a certified letter asking them to send my money to either address on file, or I will file a complaint. My request has gone ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: MO

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 non-monetary relief
Consumer complaint received 2024-07-12 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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 need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NC

Complaint narrative:
Attached is my letter in regards to allegations of a debt owed. I am raising concerns of security fraudulence and I am concerned that I have been misinformed and seek clarity in regards to information that was not provided to me. 
After speaking with the Federal Reserve Bank and reviewing documents provided, I would appreciate that my concerns attached in this complaint are addressed clearly and conspicuously.

However, ECMC continues to avoid my attempts at resolution and responds to my CFPB complaints as duplicates. Appearing to not look at the case. In this case suspected fraudulence and false and misleading information. This is the last effort for the company to resolve this matter before I am forced to seek legal action due to threats, coercions, security fraud, false and misleading 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 2024-07-12 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: TX

Complaint narrative:
On XX/XX/XXXX, I received emails from Chime banking, claiming that I had opened an account with them and that my debit card was in the mail. I suspected a scam, but navigated myself to Chime 's website, where I was able to login to an account that had my full name, social, mailing address, phone number, and an active checking account. ( I did have to reset the password to get in. ) I did not and have not ever created an account with Chime banking in my life. I called Chime banking about this problem, and while they were able to close the account for me, this should have never happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi Team, I took Chase Credit card loan for XXXX $ on XX/XX/XXXX and they given promotional offer as 0 % APR till XX/XX/XXXX and they charge balance transfer fee {$750.00} on XXXX the next payment statement cycle ( XX/XX/XXXX XXXX ) they mentioned on the statement it's promotional offer. I have autopay to clear dues which accidentally scheduled whole balance as {$15000.00} even though the payment went through for XXXX attempts. I corrected the issue by scheduling manual minimum payments on the next day to avoid minimum payment charges. But the Chase Credit Company considered it as payment and they converted whole loan amount to purchase and added 25.99 % interest which XXXX. To avoid more damage on the interest i cleared almost 70 % of loan by borrowing from outside lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2024-07-12 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the FCRA section 605B it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation