vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( 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  To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies payment history.. I have asked to have them updated to " paid on time, paid as agreed, never late.. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH DATE IN THE PAYMENT HISTORY FOR THESE ACCOUNTS LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT LISTED TO " PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY IMMEDIATELY ''. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO " PAID AS AGREED, PAID ON TIME, NEVER LATE '' OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXXXXXX 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 2024-12-01 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: NY

Complaint narrative:
I am filing this complaint regarding unauthorized charges on my debit card originating from XXXX XXXX and the inadequate resolution process by Chime Financial. The charges, totaling {$38.00}, occurred on the following dates : {$14.00} on XX/XX/XXXX {$2.00} on XX/XX/XXXX {$21.00} on XX/XX/XXXX These transactions were not authorized by me and do not appear on my XXXX XXXX  statement for XXXX. 

Upon noticing these unauthorized charges, I contacted Chime Financial and initiated a dispute on XX/XX/XXXX ( Dispute # XXXX ). Despite my timely action, I have faced significant delays and inadequate communication from Chime. Chime informed me that investigations take XXXX business days and set a resolution date as late as XX/XX/XXXX. 

XXXX. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. : Unauthorized Transactions ( 1693f ) : Under EFTA, financial institutions must investigate unauthorized transactions promptly and credit disputed amounts to the consumer 's account if resolved in their favor. Chimes delay appears unreasonable and non-compliant with the 10-business-day investigation requirement under Regulation E. 

XXXX. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Chimes inadequate response and delay in crediting my account constitute unfair practices that caused substantial injury, including financial inconvenience and the need to seek external resolution. 
The repeated delays in resolving my dispute have caused significant distress and financial inconvenience. 
Chimes lack of transparency regarding the investigation process, and failure to promptly credit my account pending dispute resolution, further complicates the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
I am filing this complaint against the Credit Reporting Agencies ( CRAs ) for the following violations : Fraudulent Reporting of Charged-Off Accounts Failure to Honor Opt-Out Rights Under FCRA ( 15 U.S.C. 6802 ) CRAs are illegally reporting charged-off accounts on my credit report. A charged-off account is classified as income when reported to the IRS on a 1099-C form. According to the Fair Credit Reporting Act ( FCRA ), income can not legally be reported as a debt on a credit report.

Violation : Reporting these charged-off accounts as debts is misleading, inaccurate, and against federal law under 15 U.S.C. 1681c ( a ), which prohibits the reporting of false information on a credit report.

Under 15 U.S.C. 6802, I have the legal right to opt out of the sharing of my non-public personal information ( NPI ) at any time. Despite this, the CRAs have failed to honor my opt-out request and continue to use and share my data without my permission.

Lawful Right to Opt-Out : According to 12 C.F.R. 1016.10, consumers can opt out of the sharing of their information with third parties at any time, regardless of any prior authorizationswritten, verbal, implied, or otherwise.

Under 15 U.S.C. 6801, it is unlawful for any financial institution or Credit Reporting Agency ( CRA ) to report transaction history without my explicit consent. Congress has made it clear that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to safeguard the security and confidentiality of their non-public personal information ( NPI ).

Violation : the CRAs have illegally reported my transaction history without my knowledge or consent. This is a clear breach of their statutory obligations under the Gramm-Leach-Bliley Act ( GLBA ) and related provisions of the FCRA.

Privacy Obligation : Under 15 U.S.C. 6801 ( b ), financial institutions are required to implement safeguards to ensure the privacy of their customers ' information. Reporting transaction history without proper authorization violates these obligations.

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 2024-12-01 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:
Equifax refused to remove fraudulent inquires from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$74.00}

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 explanation
Consumer complaint received 2024-12-01 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: OH

Complaint narrative:
XX/XX/XXXXXXXX  Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 


XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  Balance {$74.00}

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 explanation
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
On Saturday XX/XX/year> I was trying to use my XXXX  card from Amex, for the amount of XXXX with XXXX XXXX, I was told that I was restricted from using the card with XXXX XXXX for 30 days because I have made excessive amount of purchases with them. This is the second time this has happened and seems to be a normal practice with Amex Serve Account. 
A representative at Amex told me that it was XXXX XXXX that is restricting me from making a purchase which I find absurd. When I changed to a different card to make the purchase I was able to complete my purchase without any issues, which confirmed that it was Amex that restricted my card on how many purchases I am able to make with one company if they find it to be excessive. I tried to explain to the rep that what I was purchasing was for a game I am playing and I shouldn't be told how I can spend my money, how often with the same company. Nevertheless, I have been restricted for making any further purchases with XXXX XXXX which includes XXXXXXXX XXXX and XXXX XXXX  for 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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:
Collection agency : XXXX XXXX XXXX Experience and XXXX  are continuing to allow the reporting of the above account but I have told them that the collection agency has not provided the bill of sale or the assignment to prove they have the right to collect. XXXX only sent me a bill. They still have not shown me how they acquired the rights to the account. Experian and XXXX are in violation of the fair debt collection practices act.

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 2024-12-01 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: CITIBANK, N.A.
State: GA

Complaint narrative:
THERE IS A UNAUTHORIZED FRAUDULENT INQUIRY ON MY CREDIT FILE THAT HAPPENED ON XX/XX/year>. REMOVE FRAUDULENT INQUIRY FROM 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 2024-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: TX

Complaint narrative:
A line of credit for {$500.00} appeared on my credit reports in XX/XX/year>, I contacted the company via phone and email to notify them that this was identity theft. They refused to provide any information that was given to them to obtain this credit. After notifying them I would be contacting a lawyer and CFPB about them the credit showed closed & paid off within 2 days. I still have never received anything from this company in writing or via email with regard into how this online credit was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: KY

Complaint narrative:
UPDATE PAYMENT HISTORY OR DELETE ON ALL CONSUMER REPORTING AGENCIES I am disputing the inaccurate reporting payment history Account XXXX XXXX Account Number XXXX XXXX XXXX  on my credit report. The payment history for XX/XX/year> is incorrect and does not reflect accurate or truthful information. In Shaw v. Equifax Info. Solutions , Inc., the court emphasized that repeated reporting of inaccurate charge-off information is misleading and distorts a consumers credit profile. Such practices harm consumers and undermine the integrity of credit reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information you report. I am requesting that this error be corrected immediately and that you provide a detailed explanation of how the information was verified. Failure to address this matter promptly will leave me no choice but to escalate the issue through all available legal channels, including filing complaints with the CFPB, FTC, and state attorney general 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I incurred XXXX fraudulent charges each for {$1.00} from XXXX XXXX totaling {$3.00}. 

On XX/XX/year> I incurred a fraudulent charge from XXXX XXXX XXXX XXXX XXXX for {$3.00}. 

None of the charges were authorized by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
THERE IS A UNAUTHORIZED FRAUDULENT INQUIRY ON MY CREDIT FILE THAT HAPPENED ON XXXX REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an account reported on my credit report by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the specific issues : XXXX. Improper Reporting of Disputed Status : The report states, Account information disputed by consumer, meets FCRA requirements. If you did not agree to this dispute resolution or if the dispute was not properly investigated, this statement might be misleading. 
XXXX. Unauthorized Transfer or Assignment of Debt : If you did not agree to any payments or the transfer of this account to a third party ( XXXXXXXX XXXX ), it could be a violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Potential Obsolete Information : The accounts Date Opened is listed as XX/XX/XXXX, with the Last Reported date as XX/XX/XXXX. If the original delinquency occurred in XXXX, this account may soon exceed the seven-year reporting limit for negative items under the FCRA. 
XXXX. Lack of Supporting Payment History : The report does not provide a detailed payment history or verification of how the debt reached Collection/Chargeoff status. This lack of transparency raises concerns about the accuracy and verifiability of the report. 
XXXX. Incorrect Reporting of Collection Activity : If XXXXXXXX XXXX is reporting this account as Collection/Chargeoff without proper documentation or consent, this could constitute a violation of the FCRA and FDCPA. 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure the information they report is accurate and verifiable. Inconsistent and unclear reporting violates this standard. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported for more than seven years from the date of the first delinquency. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed this account and it remains unresolved or improperly updated, this indicates a failure to conduct a proper investigation. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting incorrect or unverifiable information. 
XXXX. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : If XXXX XXXX reported this debt without your consent or misrepresented its authority to collect, this could violate FDCPA provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tn XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Copy of 1099-C for Charged-Off Account Dear Experian, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account information is as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I request that you verify this debt in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with all supporting documentation, including a copy of IRS Form 1099-C. If the debt has been forgiven or written off by the creditor, as indicated by the charge-off status, the creditor is required to issue a 1099-C for the amount canceled. 

Please note that failure to verify or provide the requested documentation within 30 days may result in my request to have this item removed from my credit report. 

I have attached a copy of my drivers license/state ID to verify my identity. Additionally, I have enclosed a copy of my credit report highlighting the disputed account. 

Thank you for your attention to this matter. I look forward to your prompt response. If you need any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, 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 explanation
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
On XX/XX/year>, I submitted my initial dispute of a tradeline being inaccurate/ incomplete via U.S.P.S . certified mail to Experian information solutions , inc., which included copies of my driver 's license, proof of address, and Social Security number to verify my identity. Experian has failed to investigate the dispute in violation of the Fair credit reporting specifically 15 U.S.C. 1681i.

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