vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: SC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT AND CREDIT INQUIRIES THAT I DID NOT AUTHORIZE. I HAVE NO KNOWLEDGE OF THIS ACCOUNT OR INQUIRIES. I REACHED OUT TO THE CREDIT BUREAUS INDIVUALLY BY MAIL AND PHONE REQUESTING VERIFICATION. THESE TRANSACTIONS ARE UNVERFIABLE. THIS INFORMATION BEING PLACED ON MY PROFILE ARE AFFECTING MY ABILITY TO OBTAIN CREDIT I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FUTHERMORE FURNISHING ACCOUNTS AND INQUIRIES TO MY PROFILE RESULTING FROM IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: SC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT AND CREDIT INQUIRIES THAT I DID NOT AUTHORIZE. I HAVE NO KNOWLEDGE OF THIS ACCOUNT OR INQUIRIES. I REACHED OUT TO THE CREDIT BUREAUS INDIVUALLY BY MAIL AND PHONE REQUESTING VERIFICATION. THESE TRANSACTIONS ARE UNVERFIABLE. THIS INFORMATION BEING PLACED ON MY PROFILE ARE AFFECTING MY ABILITY TO OBTAIN CREDIT I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FUTHERMORE FURNISHING ACCOUNTS AND INQUIRIES TO MY PROFILE RESULTING FROM IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

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 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX 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 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX 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 2024-03-08 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: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
CFPB Complaint Date : XX/XX/year> Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a formal complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your collection attempts on a reported debt. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the debt 's legitimacy.

2. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in debt collection activities ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ).

4. Furnishing Incomplete Information to Credit Reporting Agencies : You placed a collection on my credit report without providing the necessary disclosures required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ).

Request for Action : 1. Cease and Desist all Communication : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through certified mail.

2. Debt Validation : I demand complete validation of the alleged debt, including : * A copy of the original creditor agreement.

* Proof of assignment of the debt from the original creditor to XXXX XXXX XXXX. 
* An itemized statement of the debt, including dates of service and charges.

3. Proof of Licensure and Bonding : Please provide documentation proving your licensure and bonding to collect debts in my state.

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within 30 days, I will be forced to pursue further legal action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the Federal Trade Commission ( FTC ), and/or seeking legal counsel. 
Sincerely, XXXX XXXX XXXX Account Name : LVNV FUNDING LLC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Request for Assistance and Resolution Regarding Potential Credit Discrimination Dear XXXX XXXX  Credit Card Department, I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding recent interactions and observations related to my credit account with XXXX XXXX. I believe in the importance of fair and equal treatment for all customers, and I want to ensure that my experiences align with the principles outlined by the Equal Credit Opportunity Act.

1. **Recent Credit Requests : ** I have noticed one or more recent requests for new credit on my account, and I would appreciate clarification on the criteria and considerations applied in these instances. Transparency on the decision-making process would help alleviate any concerns regarding potential discrimination.

2. **Average Age of Accounts within Past 6 Months : ** It came to my attention that there might be a discrepancy in the average age of my accounts within the past six months. I would appreciate a thorough review of this aspect to ensure that fair and unbiased evaluations are being made.

3. **Recent Payment Information : ** Concerns have arisen regarding the treatment of recent payment information. Clear communication on how recent payments are being factored into credit assessments would provide valuable insights into the decision-making process.

4. **Limited Installment Loan Experience : ** I have noted potential disparities in the evaluation of my limited installment loan experience. I am eager to understand how this aspect is considered and how it may impact credit decisions. 

I understand the commitment XXXX XXXX has to upholding the principles of the Equal Credit Opportunity Act, and I believe that addressing these concerns will help ensure that my rights under this act are upheld to the best of your knowledge and in accordance with the law. 

I appreciate your attention to these matters and look forward to a prompt and transparent resolution. Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Request for Assistance and Resolution Regarding Potential Credit Discrimination Dear XXXX XXXX  Credit Card Department, I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding recent interactions and observations related to my credit account with XXXX XXXX. I believe in the importance of fair and equal treatment for all customers, and I want to ensure that my experiences align with the principles outlined by the Equal Credit Opportunity Act.

1. **Recent Credit Requests : ** I have noticed one or more recent requests for new credit on my account, and I would appreciate clarification on the criteria and considerations applied in these instances. Transparency on the decision-making process would help alleviate any concerns regarding potential discrimination.

2. **Average Age of Accounts within Past 6 Months : ** It came to my attention that there might be a discrepancy in the average age of my accounts within the past six months. I would appreciate a thorough review of this aspect to ensure that fair and unbiased evaluations are being made.

3. **Recent Payment Information : ** Concerns have arisen regarding the treatment of recent payment information. Clear communication on how recent payments are being factored into credit assessments would provide valuable insights into the decision-making process.

4. **Limited Installment Loan Experience : ** I have noted potential disparities in the evaluation of my limited installment loan experience. I am eager to understand how this aspect is considered and how it may impact credit decisions. 

I understand the commitment XXXX XXXX  has to upholding the principles of the Equal Credit Opportunity Act, and I believe that addressing these concerns will help ensure that my rights under this act are upheld to the best of your knowledge and in accordance with the law. 

I appreciate your attention to these matters and look forward to a prompt and transparent resolution. Thank you for your time and assistance in this matter. 

Sincerely, 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 2024-03-08 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: GA

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-08 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-08 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had a lot of charges from a sportsbook that were unauthorized. Totaling in more than XXXX dollars. They denied my claim saying it was me. I didnt make these payments and they are all unauthorized. No help or updates at all, they said they called and left me a message. However I have no record of this, no help whatsoever

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 2024-03-08 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: IL

Complaint narrative:
I am listed as being 30 days late on my XXXX credit card for however after requesting my statements be emailed to my the branch manager because XXXXXXXX XXXX has REFUSED to mail my statements to me and has instead keep me on paperless statements despite me telling them countless times I do not have access to online statements. This is a violation of the E-Sign act and due to this inaccurate reporting I will be filing a lawsuit against XXXXXXXX XXXX. However at present I am providing proof that my account can not be 30 days late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement emailed DIRECTLY from the branch manager. Showing both XXXX and XXXX paid on time. This inaccurate reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me personally and financially and I will be seeking legal action against all parties not just XXXX XXXX  if it is not corrected expeditiously. 

I have attached a copy of my ID for identity verification

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am listed as being 30 days late on my XXXX credit card for however after requesting my statements be emailed to my the branch manager because XXXXXXXX XXXX has REFUSED to mail my statements to me and has instead keep me on paperless statements despite me telling them countless times I do not have access to online statements. This is a violation of the E-Sign act and due to this inaccurate reporting I will be filing a lawsuit against XXXXXXXX XXXX However at present I am providing proof that my account can not be 30 days late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement emailed DIRECTLY from the branch manager. Showing both XXXX and XXXX paid on time. This inaccurate reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me personally and financially and I will be seeking legal action against all parties not just XXXX XXXX if it is not corrected expeditiously. 

I have attached a copy of my ID for identity verification

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 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
My phone was stolen with my debit and credit card in the back of it on the XXXX XXXXf XXXX at a Diner around XXXX. 

I tried finding it but ended up just going home, next thing I know my email starts lighting up on my old phone. About payments made to a XXXX XXXX through the app Chime. 
The payments go as follows {$200.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX {$250.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX I ended up finding my phone by a XXXX in my area abandoned somewhere hidden away. 
And immediately went back home and called chime support to dispute those 6 transactions, they filed the dispute and told me I would have to wait up to 45 Business Days, but didnt give me an exact timeline or course of action. They did mention a provisional credit but I have yet to see that. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

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 2024-03-08 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: WI

Complaint narrative:
I am writing to follow up on my previous complaints regarding the unverified and inaccurate items on my credit report, which I have brought to your attention. Despite my request for an investigation, these items remain on my credit report, causing significant distress and frustration.

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 2024-03-08 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: UT

Complaint narrative:
XXXX has not reporting my XXXX loan balance. My XXXX loans were cancelled recently, however, XXXX has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. XXXX did not report it since XX/XX/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 explanation
Consumer complaint received 2024-03-08 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: UT

Complaint narrative:
XXXX has not reporting my XXXX loan balance. My XXXX  loans were cancelled recently, however, XXXX has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. XXXX did not report it since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CORELOGIC INC
State: GA

Complaint narrative:
am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

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