vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: AZ

Complaint narrative:
After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX Balance : {$3400.00}

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 2024-11-11 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: AZ

Complaint narrative:
After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and found an inquiry made by [ Creditor/Company Name ] on [ Date of Inquiry ]. I did not authorize this inquiry, and I believe someone may have fraudulently attempted to apply for an RV in my name without my knowledge or consent.

As I have no knowledge of this inquiry and did not initiate or approve any request for credit or financing with this company, I request that you investigate this matter and have the inquiry immediately removed from my credit file. 

To assist with the investigation, I have attached a copy of my credit report with the unauthorized inquiry clearly marked. Please advise me of the steps I need to take to ensure this issue is fully resolved and to prevent further fraudulent activity on my credit. 

I would appreciate your prompt attention to this matter and request that you keep me informed of the progress and outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: SC

Complaint narrative:
I AM A VICTIM OF XXXX TRAFFICKING THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO HUMAN TRAFFICKING. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: OH

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> I was at work and decided to use the ATM before I clocked out so I wont forget. I tried to withdraw {$400.00}, while waiting for transaction to complete I decided to fix the drinks next to the ATM Im at work. The money came out before I grabbed it and it got redacted and I was told to reach out to my financial institution. Reach out to chime we i tell them what happen we do a dispute, and for my documentation I was going to send in the video footage of me not grabbing the money, but they only accept pictures. Yesterday they denied my dispute, I called them to see why and what steps and documentation did they take to come up with this resolution and they couldnt tell me anything. They reopened the dispute. I was told that Im eligible for the {$400.00} credit each time that I opened the dispute Im not understanding why they wont give it to me expeditiously. Not only that why the dispute got denied in the first place. You cant just take my money because I didnt grab it quick enough and claim it as yours!!! Luckily I had enough money and transferred it from my credit builder to my checking at XXXX XXXX  technically I withdrew {$800.00} but only received {$400.00}. My account was then overdrawn and was sitting at $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TriVerity, Inc.
State: IL

Complaint narrative:
I am filing this complaint against TriVerity , Inc., regarding their handling of a debt they claim I owe to XXXX XXXX XXXX. Despite my previous requests for complete debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, TriVerity , Inc. has failed to provide the required documentation to substantiate the legitimacy and accuracy of the debt. This debt has been reported to the credit bureaus without proper validation, thereby negatively impacting my credit report. 
Summary of My Requests and TriVerity, Inc.s Response : Debt Validation Request Sent and Received : On XX/XX/year>, I sent a certified debt validation request to TriVerity , Inc. , which they received. I requested complete validation of the debt, including essential information such as the original creditors name and address, details regarding the debt transfer, dates of delinquency and default, a detailed breakdown of charges, verification of the applicable statute of limitations, and proof of TriVerity , Inc.s authorization to collect debts in Illinois . TriVerity , Inc.s response to this request has been insufficient, providing only a bill from XXXX XXXX XXXX with no further supporting documentation. 
Lack of Adequate Response and Documentation : As of this complaint date, TriVerity , Inc. has not provided the documentation required to validate this debts legitimacy as per 15 U.S.C. 1692g. This lack of response does not comply with FDCPA requirements, which mandate that collectors cease collection activities until adequate debt validation has been provided. 
Debt Reporting to Credit Bureaus in Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Despite failing to validate the debt, TriVerity , Inc. has reported it to credit bureaus, resulting in negative entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, reporting a debt without adequate validation constitutes a potential violation, as it could result in the transmission of inaccurate or unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I dont remember the exact dates but it was a few years ago that I was constantly having transactions held for days before being taken action upon, once I was paid the transactions would come through a few days later and I would check my account and see that I am over draft!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX  XXXX XXXX, XXXX  XXXX XXXX & XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
On my credit report it states that the original credit is The Receivables Management and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.

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 2024-11-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This creditor previously reported this debt on my credit file. I disputed the debt, but they were unable to verify it with the credit bureaus and failed to provide me with documents validating the debt, leading to its removal from my credit files. Now, almost two years later, they are attempting to collect once again. This time, I did not receive any notification or communication regarding this debt from either the original creditor or the debt collector before its reporting to the credit bureaus, as required by law. Consequently, this debt collector has violated my rights and the law by failing to notify me of the debt, send me a debt validation letter, inform me of their intent to collect the debt, or notify me of my right to validate or dispute the debt before reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I reached out to their customer service dept XXXX in reference to order XXXX. I never received the order, the carrier just left it outside my apartment complex. I checked with the complex manager, they didn't take it, so I told them that it was stolen. I have been emailing them since then, you can't speak to anyone over the phone about it and they have been ignoring me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Around XXXX 2023 my buisness and personal account was closed with navy federal XXXX intially it was just my buisness account but speaking with a represenatative they said that my personal account would have to be closed as well, All while I still had a little over XXXX in my personal checking account and I never received my funds from this account. I tried reaching out to representatives daily and they could not give me an answer to why my account was closed or where my money had went. I couldnt log in nor could anyone disclose why this had happened. I still recieve emails saying that mail address needs to be updated and emails stating that my services are suspended but it doesnt even let me log in due to accounts being closed. This is very unfortunate because they literally just closed my accounts and took my money without reaching out or sending me a check of my funds that remained in the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been trying to correct my credit report but keep getting stall letters from the company. The company sent me dispute results on XXXX 2024 and XXXX XX/XX/year>. I have attached the letters and certified receipts of correspondence since XX/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 explanation
Consumer complaint received 2024-11-11 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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