vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
For past few months, all XXXX credit bureaus have been subtracting points and give no reason, other than a generic message for all. I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. I pay off loans, leases and CC balances and lose points. Points have just randomly been taken. My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and screwing people over.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 

The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account EXXXXXXXX XXXXXXXX XXXX Collection Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX A XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX Off Account XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 

Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 

I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 

Thank you for your immediate attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 

The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX A XXXX XXXX Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX Charge Off AccounXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 

Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 

I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 

Thank you for your immediate attention to this matter. 

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also I will like to state that I did not open or apply for these accounts. I have reached out to these companies to take these accounts off my credit reports. I never used my SSN to apply for these 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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Cedar Business Services reported me to The Credit Reporting Agencies that I owed XXXX XXXX the sum of {$660.00}. I called Cedar Business and I informed them that I have never done business with XXXX. I requested proof of my debt such as delivery receipt / invoice / proof of delivery. I have not gotten a reply to date.

My credit score has dropped by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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 complaint is with Experian Credit Buearu and XXXX XXXX. I have disputed this issue more than once with both companies and not received as response as to why my information is not valid. 

There is an account that recently reappeared on my credit report. 
It is listed as XXXX XXXX  XXXX The account shows as : Charge-off status update - XX/XX/XXXX Charge Off Amount - {$580.00} This account was charged-off to the company XXXX XXXX XXXX. 
My problem is that I settled this account in XXXX of XXXX. 
I paid a settlement amount of {$370.00}. This information does not reflect on the credit report. 
Another problem is that the credit report status has not been updated since XXXX of XXXX. 
Another problem is the charge-off company ( XXXX XXXX XXXX XXXX XXXX not even listed on the credit report. 

I have submitted 5 different disputes with Experian and 2 separate disputes with the XXXX XXXX XXXX. I have provided documentation and when all of these disputes were closed I never received an explanation as to why my information was not adequate.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with XXXX XXXX. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with XXXX XXXX. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I chose Chime Bank because they don't charge monthly fees and it's been ages since I've had to walk into a bank anyway. That's basically their only selling point. I don't think we are advanced enough as a society to get rid of brick-and-mortar banks just yet, sadly. 

Basic bank features provided by other banks are like pulling teeth with Chime. My main issue is a simple mobile check deposit. This has been going on for years actually. They turned it off sometime in XXXX and they always give me the same answer, they turned it off due to " certain risk factors. '' They never tell me what exactly the risk is or how to fix it, I basically just have to deal with it and use a check cashing service even though I have a valid checking and savings account and credit card with them. There's nothing they can do and they refuse to do anything. I spoke with a representative again today and he gave the same answer ( XX/XX/XXXX ). 

In response to that, I'm forced to use a check cashing app, XXXX XXXX, which isn't helpful either but it's basically my last resort. I am a XXXX  XXXX and XXXX XXXX  and both of my main employers still pay by check. My employer, XXXX XXXX XXXX XXXX XXXX uses XXXX XXXX XXXXXXXX to process my check stubs. He offered to send my money through another service, XXXX but they aren't compatible with Chime. He refuses to use XXXX XXXX, XXXX, or XXXX, which I have all of because of scams and risks to the company 's accounts. He's old school and it's a small business. 

XXXX XXXX unfortunately charges a fee to get my money immediately which is why I need Chime to turn on the mobile check deposit ASAP. They don't charge small amounts in cents, they take a pretty big percentage, up to {$25.00} worth for each check. I'm not exactly rolling in dough so I need every cent I earn. If I wanted to pay fees I wouldn't bother with Chime at all. If I don't want to pay a fee, I have to wait 10 days. Lately, XXXX XXXX has been giving me issues where checks I try to deposit decline or an error in the system makes me have to resubmit checks. This is making me nervous and delays my checks. 

On XX/XX/XXXX, I tried to deposit a check and it came back as declined. XXXX XXXX told me to try again. It declined again on XX/XX/XXXX. My employer called XXXX and they said that the check was paid out on the XXXX ... so where is it going!? This is too many ropes and hoops to jump through to do a simple thing. XXXX is still working on the issue as we speak and Chime refuses to do anything. If they could just turn on this important and basic bank feature I wouldn't have to go through this and I can get my money in time. 

Chime is owned by XXXX XXXX  I have made a complaint to them as well. I also contacted the Federal Reserve Consumer Help Center and they referred me to you and I hope this will be the last time I have to tell this story.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave XXXX many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave XXXX many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave XXXX many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by 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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX I called IC Systems to set up a payment. I settled the debt of XXXX to XXXX. I made a payment on XX/XX/2023. The XXXX payment which was removed on XX/XX/2023 out of my checking account. They said they would email me a copy statement of my transaction and the agreement to my email : XXXX within XXXX hrs. I have received anything from them. 
XXXX I called IC Systems again to follow up with email that i have not received that was to show i paid the XXXX and the agreement to pay the other half of my debt. When I called the manager said they did not have the correct address on file, therefore i need to update my current address before I can get the email notification. Then the manager said i could not get the email immediately despite the fact I have waited the 24-48 hours. She said i will have to wait another 24-48 hrs because my physical address was not updated. This is not my fault. 
XXXX 3rd party Representative called with 3rd party on the line to verify information and the representative said they could not verify the payment made because they did not have access to see the information. 
XXXX-I then called IC systems back with no one on the line but myself and IC systems representative whom said that a payment was made of XXXX and the other payment was. 
XXXX called again got a representative who finally found my account with a 3rd party on the line and finally verified my information.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed my bankruptcy with Experian and it came back verified. I spoke with a representative and ask her what information did Experian receive and what reporting agency did they use to determine this public record was verified. The representative couldn't give me any pertinent information about what agency was used to verify the information. I asked her how can it be verified by Experian and XXXX was unable to verify my bankruptcy and was removed from my file. Then she tried to say the court verified it which is untrue because the courts don't report to the credit bureaus which was very misleading

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT. 
DATE OPENED : XX/XX/2020 ORIGINAL BALANCE : {$6600.00} Collection This account is unauthorized and wasn't authorized by me. NO consent.

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