vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
They call literally every single day, many times after XXXX XXXX, sometimes even after XXXXXXXX XXXX and occasionally before XXXXXXXX XXXX. It's always a robo call, too. This has been going on for about a year now, every single day, including Saturdays and Sundays as well. I have their number blocked but they still leave robo voicemails every single time.

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 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX online purchase totaling {$98.00} @ XXXX one hour later receive email item was unavailable and refund was issued @ XXXX My bank was CHIME I called chime and was told the money was refunded and would show up on my balance in 3 business days I called chime again after 7 business days and was told the money was put back but it never was this is my second incident On XX/XX/year> I made an online purchase from XXXX and later was refunded XXXX XXXXXXXXand the same time happened my money was never refunded I was send confirmation number from XXXX and I gave those number to chime and they said it was already back on my card but the money never came

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
Equifax , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files.

Account Name : XXXX XXXX XXXX/ Balance : XXXX XXXXXXXX Opened : XXXX. XXXX, XXXX Identity Theft Account Name : XXXX XXXX/ Balance : XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Identity Theft Account Name : XXXX XXXX Balance : XXXX XXXX Opened : XX/XX/XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX Balance : {$840.00} /Opened : XXXX XXXXXXXX XXXX XXXX / Identity Theft It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
Hi, my name is XXXX XXXX. I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. There are also inquiries that were not authorized by me. With that being said, that also makes me avictim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. **Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. **You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. **Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

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 2024-12-22 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: Eagle Financial Services, Inc.
State: KY

Complaint narrative:
I have unauthorized inquiries on my credit report. I do not have accounts with these inquiries that are on my credit report please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Cascade CISS Holdings, LLC
State: KY

Complaint narrative:
I have unauthorized inquiries on my credit report. I do not have accounts with these inquiries that are on my credit report please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received by USPS and deposited the first Equifax Data Breach Settlement paper check for XXXX XXXX XXXX XXXX XXXX the Equifax Settlement Administrator emailed me a notification with extensive and confusing directions for an Additional Settlement Payment of {$17.00} to be paid by ONLY Redeeming by Virtual Card. The extensive conditions and cautions advise me to be aware that there are fraudulent websites that can be followed when entering the Equifax redemption site online. 
The Equifax data breach of my personal and confidential information is what started this entire Court case and I, for one, dont want to have to go through another data breach.

Since the first payment was made by paper check, why didnt they make that check out for the combined amount of {$35.00}? Moreover, why are they refusing ( by phone call on XX/XX/scrub>XXXX  ) to make the {$17.00} second payment by paper check? 
The virtual payment hoops they are asking us to jump through are forcing many of to forgo this payment thus leaving more money for them which, I believe is their intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-12-22 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: DE

Complaint narrative:
XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX Prior Cfpb Complaint Subject : Second Dispute Regarding Unauthorized Inquiry by XXXX Dear Equifax Dispute Department , I am writing to formally dispute an unauthorized inquiry appearing on my credit report related to " XXXX. '' This letter serves as a follow-up to my previous dispute, as Equifax 's prior investigation failed to adequately address or correct this matter. 

Details of the Dispute : Inquiry Name : XXXX Reason for Dispute : No written authorization was given for this inquiry. 
Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries made with my explicit consent may be included in my credit file. I never provided written authorization for XXXX to access my credit information, and as such, this inquiry is unauthorized and should be removed immediately. 

The inclusion of this inquiry on my report is a violation of my rights under the FCRA. I demand that Equifax : Conduct a thorough reinvestigation into this matter.

Provide me with a detailed explanation of your findings and the steps taken to resolve the issue.

Remove the unauthorized inquiry from my credit report immediately.

Please find attached copies of the following supporting documents for your review : A copy of my credit report highlighting the disputed inquiry.

A copy of my previous dispute letter for reference.

Failure to resolve this matter satisfactorily may leave me no choice but to escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights.

I expect a written response within the legally mandated time frame of 30 days. If additional information is required to complete the reinvestigation, please notify me promptly in writing.

Thank you for your attention to this matter. I trust you will handle it with the seriousness it deserves. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MI

Complaint narrative:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with therf to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) ) XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 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 I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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:
I was reviewing my TransUnion credit report and noticed that there are 6 accounts reporting on my credit report illegally and in violation of the FCRA, 15USC1681B ( A ) ( 2 ), and Regulation F. The information in these accounts is reported illegally as stated by not being verified, by reporting without permission of any and all late and missed payments, and by the failure of any debt collectors associated herein to file notice of reporting of said late and or missed payments amounting to " without consent ''. 
The accounts in question are : 1.XXXX  XXXX XXXX {$470.00} 2. XXXX XXXX {$910.00} 3.XXXX/ {$5000.00} 4. XXXX XXXX XXXX {$670.00} 5XXXX. XXXX/ {$580.00} 6. 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 2024-12-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As part of the process of applying for a loan, I found an item on my Experian credit report that I did not recognize. On XX/XX/year>, I sent a letter by Certified Mail asking for Experian to remove the item as it was incomplete ( original creditor and account number missing ). 

I received no response to that letter, but when my credit report was updated the following month, the name and address of the creditor had been added. I wrote by Certified Mail on XX/XX/year> to the creditor, XXXX XXXX XXXX, for validation. '' Specifically, evidence showing that I have ( or ever had ) some contractual obligation to pay. I also requested that XXXX provide the record that reflects the process by which my signature was generated/executed. 

More than 30 days passed without receiving the information I requested. However, the item was ( and is ) still appearing on my credit report. On XX/XX/year>, I again wrote to Experian to request a re-investigation into the inaccurate record in my credit report. I asked that they respond with the procedure used to determine the accuracy and completeness of the information ; the name, address, and telephone number of each person contacted regarding the alleged account ( NOT e-OSCAR or other electronic means of authentication ) ; and any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay the exact amount claimed. That letter to Experian was delivered by Certified Mail on XX/XX/year>. To date ( XX/XX/year> ) I have received to response, and the item remains on my credit report. 

I believe this to be a violation of the FDCPA and FCRA, respectively, as neither entity can demonstrate that I am responsible for this alleged debt.

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 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I received a call and letter on XX/XX/year> from the Law Office of Brett M. Borland , P.C . 
About a collection I am currently disputing ( XXXX XXXX XXXX ) Account # XXXX I replayed asking for a debt validation request dated XXXX XXXX, XXXX. After reviewing the documentation they provided, I have identified inaccuracies and insufficiencies in their response. 
Specifically, the resident charge/payment ledger they provided contains discrepancies that do not accurately reflect the alleged debt 's history. I was requesting that the firm address the following : 1. Inaccuracies in the Ledger : Please provide a detailed and accurate explanation of the discrepancies identified in the ledger. Include all supporting documentation that verifies the accuracy of the charges and payments, such as invoices, receipts, and transaction histories.

2. Full Disclosure of Purchase Agreements : As part of your obligation to validate this debt, I formally request full disclosure of all purchase agreements or assignments related to this alleged debt. This includes but is not limited to : A copy of the original agreement with the creditor. 
The chain of title and all transfer/assignment documents showing ownership of the debt. Any terms and conditions outlining the agreement 's enforceability. 
Please note that under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide this information to validate the debt. Without such documentation, your claim to collect this debt is not substantiated. 
The law office did not reply.

Company response to consumer: Closed with explanation