vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I opened up a chime account and decided last week with a representative helping me to move my direct deposit over to chime. My decision was based on the knowledge that the representing told me I would be able to access the XXXX XXXX  feature as soon as my debit card arrived in the mail and I activated it because the representative helped me setup my direct deposit and my check was set to go into chime on Thursday night maybe earlier depending on if chime got it earlier I don't know. Well I got my card on XXXX XXXX XXXX  I activated it but come to find out the representative lied and I have proof he lied I guess I can't access the XXXX XXXX  feature until my first paycheck hits which really hurts me because I was relying on the XXXX XXXX feature since my next check is a week away almost. Not only that I have a couple of small checks but can't dp.mobile deposit. I also asked about the Spot Me feature of overdraft coverage don't qualify for those. I mean what do you qualify for with chime and why their representatives have to lie in order to get your paycheck transfered. I then talked to a supervisor by the name XXXX and she was rude I told her if I don't qualify for anything why should I keep my chime account open. And she was rude and just said then I'll close it and closed down my chime account. Really XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
Idont believe this debt is valid and status was open. This should be deleted in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I asked XXXX XXXX to remove the paid and closed account from my credit report. This account is keeping me from getting other credit cards because it shows as potentially negative and charged off. Please remove the paid account!!!!!

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 2025-01-11 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: TX

Complaint narrative:
I asked XXXX XXXX to remove the paid and closed account from my credit report. This account is keeping me from getting other credit cards because it shows as potentially negative and charged off. Please remove the paid account!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked XXXX XXXX to remove the paid and closed account from my credit report. This account is keeping me from getting other credit cards because it shows as potentially negative and charged off. Please remove the paid account!!!!!

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Dear XXXX, TransUnion and XXXX, I am writing to dispute and request the immediate blocking of all fraudulent and collection accounts that have been reported on my credit report. These accounts were opened and used without my authorization and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent accounts and Collections accounts from my credit report : [ XXXX XXXX XXXXXXXX {$210.00} ; XXXX XXXX XXXXXXXX {$440.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX ] Collections [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ] I also do not recognize the following HARD inquiries : XXXX : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX. TransUnion : XXXX XXXX, XXXX, XXXX, XXXX. XXXX : XXXX XXXX, XXXX XXXX and XXXX XXXX 

To support my claim, I have enclosed the following Documentation : 1 ) A copy of my Goverment -issued ID. 2 ) A copy of a recent utility bill. 3 ) A completed Identity Theft report filed with the FTC.

As required by law, please block these fraudulent accounts and refrain from firnishing them to any third parties.

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 2025-01-11 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: NH

Complaint narrative:
Dear XXXX, XXXX and Equifax, I am writing to dispute and request the immediate blocking of all fraudulent and collection accounts that have been reported on my credit report. These accounts were opened and used without my authorization and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent accounts and Collections accounts from my credit report : [ XXXX XXXX XXXXXXXX {$210.00} ; XXXX XXXX XXXXXXXX {$440.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX ] Collections [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] I also do not recognize the following HARD inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To support my claim, I have enclosed the following Documentation : 1 ) A copy of my Goverment -issued ID. 2 ) A copy of a recent utility bill. 3 ) A completed Identity Theft report filed with the FTC.

As required by law, please block these fraudulent accounts and refrain from firnishing them to any third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I am writing to formally request the removal of medical debt from my credit report. 

According to the recent federal regulations and guidelines from the Consumer Financial Protection Bureau, paid medical debts should not negatively impact consumers ' credit reports. As this debt has been settled, I respectfully request that it be removed from my credit history. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an AMEX gift card as a gift. I can not use my American Express gift card anywhere, it is declined by any website or company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I had a loan with XXXX XXXX XXXX in XX/XX/year>XXXX  with an interest rate of 25.98 %. In XX/XX/year>, I obtained a loan through XXXX XXXX XXXX XXXX for a much lower interest rate of 7.75 %. Founders paid the loan off with XXXX. XXXX has now placed a derogatory/negative remark " Settled-less than full balance '' on my account with has greatly impacted my ability to obtain future credit. This remark would insinuate that I had to make a settlement with XXXX because I failed to make timely payments which is not the case. 
I have a credit denial letter which indicated the reason for denial was a delinquency on an account in last 24 months. None of my accounts have been delinquent ; which is reflected on my credit reports. 
I was told upon loan origination with XXXX that there would be no prepayment penalties however, this does not appear to be the case in that XXXX is reporting a negative remark on my credit profile. 
I'm sure that I am not the first client to have been subjected to these unfair and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: FL

Complaint narrative:
Good evening, I filing a complaint against Sezzle. My Sezzle account went to collections to a third party collector named XXXX XXXX. I called and paid off my Sezzle account with True accord with a payment posted date of the XXXX day of XX/XX/year>. I called XXXX XXXX a few times after to get a letter stating the debt had been paid off. The second attempt was successful. I also asked XXXX XXXX when the collection/ charge off would be removed from my credit report. I was told I varies and that Sezzle would have to do so. After multiple attempts to call into the company Sezzle to talk to someone I was unsuccessful. I need this removed from my credit report as I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and now XXXX in XXXXXXXX XXXX XXXX to continue serving my country as well as a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in which on all titles require a minimum of a secret security clearance, as well my wife and I are trying to buy our first home and plant roots for our family we have built. Please help us get this off my credit report this is the only item standing between us and our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
- I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-11 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: OK

Complaint narrative:
A {$2400.00} debt from XXXX company was paid in full on XX/XX/XXXXXXXX  through the XXXX XXXX website. Shortly after another account appeared on the website stating an amount due of {$2300.00} starting XX/XX/XXXX. On XX/XX/XXXX I received a notification from Experian stating I had a collection from XXXX XXXX reflecting on my credit report. The original debtor for the collection showed XXXX which was already showing paid in full. I filed a dispute on Experian and the results came back stating the information my report was accurate and the debt was valid. 

This is incorrect and affecting my credit. I filed a dispute with Experian for XXXX for having a credit card opened in my name and it was also found to be accurate and valid.

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided. I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and 3. An FTC Identity Theft Report. Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. Under California law, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state 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 non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. Being inaccurately reported to multiple bureaus

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 2025-01-11 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: GA

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. Being inaccurately reported to multiple bureaus

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