vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list f accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15USC1681 XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX - {$980.00} XXXX XXXX - XXXX - {$2600.00} XXXX  - Account # XXXX {$72000.00} XXXX XXXXXXXX XXXX  Account XXXX XXXX - {$300.00} 15 U.S.C 1681 section 602A. 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.

15U.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$570.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$570.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Resident type Single family I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under XXXX XXXX guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,

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 2022-11-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$570.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$570.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX type Single family I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under XXXX XXXX guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,

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 2022-11-29 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: FL

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. 

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I recently had a collections account added my credit from I.C. systems Inc. I have no reciliation of any debt owned. I have never received a letter in the mail, email or phone call regarding this debt. The debt just appeared on my credit report. For this reason I was never given the opportunity to dispute and never given an account number to reference the debt. When trying to file a dispute on the I.C. Systems website it ask for a full account number linked to the debt. However, because I have never received notification of the debt, I do not have the full account number to dispute, only the few numbers listed on my credit report.

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 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
My debit card was stolen and I was immediately notified by the bank app and by XXXX when I found out and confronted the person who stole my card and took my money I was told to set up XXXX XXXX  and request the money back. Which I did and the thief told me she never got the money out of my account. But she did and my bank ( chime ) told me I had to wait for it to clear and then they give me back money ( XXXX ) but when I did that they then told me no cant giveback money and to file a dispute and to contact XXXX which I did. My dispute was denied by both XXXX and chime several times. Weird considering I have proof of the thief telling me she scammed me and that I am stupid and a picture on the site of XXXX XXXX  specifically states they have this known issue with fraud and scammers by doing a recoeved and failed cancelled scam. Which is 100 % what was done to me. 
. I have been asking for a refund for this fraud for many months and I keep getting blown off. They lied in their investigation for my dispute. Chime lied! They said no to things I did DO and didnt bother even asking me to answer those questions kept changing what I should do next to get the money back. I did it many times and they say ask chime for the money chime says ask XXXX for the money meanwhile I am stolen from and this XXXX XXXX thief is getting away with stealing my money. XXXX XXXX  page it says this is a common scam the request and failed scam. So what is the issue?????????? Help me please this bank never wants to refund errors or money chime should be shut down They owe me {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new checking account with Truist Bank in XX/XX/. On XX/XX/XXXX I was emailed from Truist saying my debit card was on the way. Between then and the end of XXXX, Truist advised to deposit {$25.00} into my checking in which I did, but I never had access to. This was because I was told from a Representative of Truist their Fraud Department needed me to go into a local branch so they can validate my identification. I already made the deposit at this time and the account was open, but now all of a sudden I can't access my funds. I go to the XXXX, TX Truist location off XXXX XXXX in XXXX, TX and waited an hour for the Branch Manager who was the only one who could help who then told me he had an appointment and I would need to come back at a later date. I came back a few days later on a Saturday and was told that the Branch Managers were on vacation and out sick so there weren't any there that day. 

I filed a complaint with the XXXX XXXX XXXX XXXX Truist said they would resolve that complaint # XXXX within 30 days, but now we are XX/XX/ ( 35 days later ), and the continue to withdraw from my account that I don't have access too. Also, I did receive the debit card in the mail toward the end of XXXX, I tried to activate the card but it didn't work which is what prompted me to go to the bank to resolve the matter that was never resolved. Today, I submitted another complaint through XXXX   to have this matter resolved and my money rendered back to me, as well as time and travel spent as I live 15 minutes from that location, and the time spent on the phone as well.

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 monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We have three checks from three different company accounts that were sent via Chase 's bill pay service to our accountant to pay for accounting fees. The checks were stolen from the XXXX mail and deposited into a third party 's bank account. We have subsequently paid the vendor/accountant with additional funds. 

The bank accounts where the checks were deposited/cashed did not match the payee on any of the check and the endorsements did not match either. 

Chase took money from our accounts when they mailed the checks. Chase sent the checks via XXXX mail, and Chase let the checks clear from each of the third party banks without verifying that the payee and endorsement matched. The there payments were made in XXXX of 2022. We discovered the fraud and reported it to Chase in XXXX of 2022. Chase has been 'investigating ' since that time. They have put, taken away and put back temporary credits for the amounts, but they are telling us that if the third party bank that cash/accepted the deposit of the checks doesn't respond they will take the funds back out of each of our accounts. We feel Chase should permanently restore funds to our accounts and whether or not they settle up with the third party bank is not relevant to us. Chase errored by accepting the mis-endorsed checks and is holding their customer to account for its mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been sending letters and documents to your company about the issue I'm facing right now regarding my credit, My information has gotten to the hands of the wrong person and they used it to open my account, please investigate and remove the accounts that were the result of the identity theft incident.

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 2022-11-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX 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 2022-11-29 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 — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Milestone was sold to XXXX and then to XXXX XXXX. I paid XXXX XXXX on XX/XX/2022. The account shows XXXX. They told me that if I submitted the letter to Milestone it will be shown as XXXX XXXX or something of the like. 
It doesnt. It shows Derogatory and while there is a XXXX balance it doesn't mention me paying anything in good faith which is unfair. 
Milestone reps told me because they did not get the money they will be leaving it on there but I know that is unjust and illegal because they did get money during the chargeoff. 
I spoke to XXXX XXXX on XXXX XXXX at XXXX XXXX XXXX who claims it isn't here issue either. 
I have a receipt. 
XXXX XXXX XXXX says its not them to remove it but the 3 credit bureaus have assured me it is their doing. My rights have not been abrogated. Please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXXXXXX 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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account 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 2022-11-29 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: FL

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. 

Account Name : The Bureaus Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account 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.

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