vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I discovered that my credit report contains multiple inaccuracies and unverified entries that infringe upon my rights under the Fair Credit Reporting Act ( FCRA ). These errors include incorrect personal informationsuch as my name, addresses, employer details, and date of birthand entries related to accounts, collections, and inquiries that I believe are either inaccurate or unverified. 

Specifically : My name, previous addresses, employers, and date of birth are listed incorrectly. 
Accounts such as XXXX XXXX XXXX XXXX, and XXXX appear on my credit report but lack verifiable proof of accuracy or legitimacy. 
Collections from entities like XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX are reported, yet I have not received evidence validating their claims. 
An unauthorized inquiry from XXXX XXXX on XX/XX/XXXX, is included, but I never consented to or authorized this inquiry. 
Under 15 U.S.C. 1681i, I have the right to dispute this information and require that the credit reporting agency ( CRA ) investigate and verify each disputed item. The CRA is obligated to ensure that all information reported about me is accurate, complete, and verifiable under 15 U.S.C. 1681e ( b ). If the CRA or the furnishers of information can not provide physical evidence to substantiate these claims, the items must be corrected or removed from my credit report.

This situation raises concerns about the integrity of the data associated with my credit profile and whether the CRA and the data furnishers are complying with Metro 2 reporting standards and the guidelines outlined in the XXXX Credit Reporting Resource Guide ( CRRG ). 

I am now awaiting a response to my disputes, expecting the CRA to either verify these items with evidence or remove them entirely from my report. Failure to address these inaccuracies undermines my rights as a consumer and my ability to maintain an accurate credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: KS

Complaint narrative:
Good Afternoon, I have been a customer for nearly two years and never had an issue. On Friday XX/XX/XXXX, I tried to make a transfer of {$900.00} and the app showed a system error and closed. This can be shown as there was even a duplicate. Not knowing the transfer went through even though the app showed an error, I then broke the transfer up into one direct debit of {$500.00} and waited till Monday to finish the other portion of {$300.00}. 

I woke up Monday to notice that the error transfers had been withdrawn from my other bank. 

On XX/XX/XXXX I contacted in app chat support and reported this error and was told to resolve it with my other bank. I did exactly that. 

Once the accurate transfer deposited in my chime account of {$300.00} on XX/XX/XXXX, conveniently, my account was immediately closed after receiving my transfer for being not in compliance. 

This lack of compliance is relative to an app error and as a bank with no physical locations, the immediate closure for a common app error is unreasonable. 

I called support and after time on the phone received the email below to claim my money back and it included a request to get the error {$900.00} transaction amount I had reported to chime. 

I am requesting the following as I have no access to the app with my account closed as of XX/XX/XXXX. 

A copy of my support in app chat from XX/XX/XXXX A transcript of my phone call from XX/XX/XXXX A transcript of my call on XX/XX/XXXX. 
A copy of my actual balance in checking and saving My money returned to me from my checking and savings ( there should be XXXX in savings and approximately XXXX in checking ). 
The terms and conditions of chime state chime may not withhold funds for more than 24 hours. 
Please advise and deliver the requested documents or direct me to somebody who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: AL

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.

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 explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I discovered several inaccuracies and potential violations in my credit report, which I believe infringe upon my rights as a consumer under U.S. law, particularly the Fair Credit Reporting Act ( FCRA ). These inaccuracies include incorrect personal information, such as my name, addresses, date of birth, and employment details, as well as errors in reported accounts, collections, and unauthorized hard inquiries. 

I requested that the reporting agency verify and substantiate all the data listed in my report, in line with FCRA standards and Metro 2 guidelines. Specifically, I highlighted inaccuracies with accounts like XXXX XXXX and XXXX, collections under entities such as XXXX XXXX  and XXXX XXXX  XXXX and an unauthorized inquiry from XXXX  XXXX on XX/XX/XXXX2024. These errors undermine the integrity of the data in my credit file and could negatively impact my financial standing. 

I emphasized my right to fair and accurate reporting and demanded a thorough investigation and correction of these discrepancies. Furthermore, I reminded them that failure to comply with their obligations to verify and report accurate information, as required under the FCRA and the 2020 CRRG, poses significant legal risks. 

I expect these issues to be resolved promptly, as this situation directly affects my creditworthiness and trust in the reporting system.

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: VA

Complaint narrative:
By email, on XX/XX/year> I sent Credit Control a very detailed debt validation and cease and desist order. Today, they violated the cease and desist order by emailing me another collection email. As of today, they have not provided any information to me to validate the debt.

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 2024-11-25 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: NC

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

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 2024-11-25 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a phone call from an alleged lawyer from XXXXXXXX XXXX XXXX in XXXX XXXX. He indicated I was served which I did not receive anything and stated it is for a delinquent loan from XXXX. I am not familiar with this loan. I called XXXXXXXX XXXX XXXX And their office was closed as this was on a XXXX. I asked him to send me the documentation he stated that was already sent and he hung up on me. I tried calling him back and he hung up again saying I was a waste of his time. He said my bank account would be frozen XX/XX/XXXX. He did have my Social Security number my name and my current address. He said this was a consumer loan with city financial and I owe {$8000.00} from XXXX. This the number they called from : 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 explanation
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 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: LEXISNEXIS
State: AL

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.

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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CT

Complaint narrative:
XX/XX/year> : Received an invoice from XXXX XXXXXXXX XXXX, claiming additional charges of {$3300.00} after move-out, which I immediately disputed in writing with supporting evidence ( e.g., video of the apartment ). Requested the charges not be sent to collections until resolved. 

XXXXXXXX XXXX XXXX Multiple follow-ups to resolve the dispute with XXXX  went unanswered. My requests to avoid collections and resolve the matter professionally were ignored. 

XX/XX/year> : Received a call from XXXX XXXX ( collections agency ) regarding the disputed debt. I immediately disputed the debt verbally and requested that collection activity cease until proper validation was provided. 

XX/XX/year> : Sent Email to XXXX XXXX aasking to put all communication into email and to immediately cease debt collections. I also specifically ask that this not be reported to credit bureaus XX/XX/year> : Spoke with XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX, requesting evidence of charges ( e.g., photos ) and resolution. He refused to provide evidence and insisted on proceeding with collections. 

XX/XX/year> : After not receiving any confirmation wrote additional email to XXXX XXXX asking to respond if they received dispute XX/XX/XXXX, Noticed debt was reported to transunion- immediately emailed XXXX XXXX XX/XX/XXXX, Received an email from XXXX XXXX acknowledging that i needed to give them consent to call me and agree to the following terms : XXXX give express consent to XXXX XXXX XXXX its affiliates to contact you via XXXX XXXX, cellular telephone, text messages, e-mail, other electronic means and/or through an automated telephone dialing system, artificial voice, or prerecorded messaging system. 
Have a great day! 

XX/XX/XXXX : I respond back telling them I do not agree to these terms- and to proceed with removing my debt until all evidence is provided and properly handled. 

XX/XX/XXXX : Ask for them to respond or confirm email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I provided details of the accounts and the violations. Its been over 30 days, and I have not received a response. Copies of all dispute letters are attached.

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as 'disputed. ' Additionally, FCRA Section 605 ( c ) has been violated, as the last activity date is incorrectly reported instead of the actual payment date.

Furthermore, the company has failed to validate this collection account, violating FDCPA Section 809 ( b ) per FTC guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

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 2024-11-25 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: NC

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
Ownership : I have no knowledge of this account. 

Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
Ownership : I have no knowledge of this account. 

Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

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