vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-23 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Please excuse any typos as this is voice texting. Synchrony reduced my credit line for XXXX XXXX, and didnt give me a letter or anything. I just noticed it on the website as I went to pay a bill and just found out recently when I went to pay a bill again that my Lowes credit card was canceled and it was paid on time I owed nothing but XXXX XXXX  on my account, the reasoning was my credit worthiness and Ive had this card for a few months already proven that Im paying my bill on time. Do I have debt? I have debt like any other American I pay mortgage. I pay credit card debt. I pay condo fee. I pay hospital bills and struggle to pay bills by God am I doing it? Yes, I am doing it. I called them and they said oh yeah we just closed it today. You should be getting a letter in the mail. There has got to be something illegal about these practices. Why approve me for the credit card and then just close it after seeing that I paid it on time on youre judging me on my credit worthiness, But the bill is getting paid. Someone needs to make it make sense to me. Synchrony business practices are unethical and if you look at their XXXX page, Im not the only one that theyve done this to.

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 2024-05-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX, SC XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to RESURGENT/LVNV FUNDING. I am requesting debt validation. I am requesting the purchase agreement between RESURGENT/LVNV FUNDING and the original creditor XXXX XXXX. I am requesting proof that RESURGENT/LVNV FUNDING Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of RESURGENT/LVNV FUNDING communicating with me through email/text/calls. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Shop Your Way Credit Card, formerly a Sears/XXXX credit card except I can use anywhere now. It is considered a retail card, I can not get access to an online statement, however customer service can mail one, which takes 10-14 business days, they did mail it. Even though I have paperless statements, I still can not get access to a PDF statement, nor can they email it or fax it. Doesn't this seem odd, I need it for a closing and its urgent, frankly I did not think I would have such an issue getting my own information that I signed up for which is my own statements. Shop You Way has an non user friendly way of getting statements ( no app either ), here are the only options : Spreadsheet .XLS, CSV , Tab Delimited , TXT, and Custom Delimited, I do not know how to convert these or if there is a way. It should not be so difficult for the customer to access their own records. They can not email or fax and this is ludicris, hence why I am complaining. If you click on your statement you get a screen shot, which is not a statement, what else could the be doing that we may not know. I do not like that this information will be in the mail, especially since our mail is getting rerouted to other cities.

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 2024-05-23 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I sent a letter to Transworld system inc ( TSI ) via certified mail on XX/XX/year> to verify this account belongs to me and proof with a contract along with my signature. I have yet to receive a response. They are reporting this negatively on my credit report and haven't started an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE NEST AS WELL. THANKS REMOVED : XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report pertaining to an auto loan account that I held with XXXX XXXXXXXX XXXX XXXX. After careful review of my credit report, I have identified discrepancies involving duplicate reporting of this account. Below are the details of the disputed account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Current Status : Balance owing - {$19000.00} I am disputing this account on the following grounds : Duplicate Reporting : The account in question is being reported multiple times on my credit report. This duplication of reporting is erroneous and has the potential to adversely impact my creditworthiness. Paid in Full : I want to emphasize that the auto loan associated with this account has been paid in full XX/XX/XXXX. 
Despite fulfilling all financial obligations, it continues to be inaccurately reported as active, leading to a misrepresentation of my credit profile. FCRA Compliance : I am bringing this matter to your attention in accordance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as yours, maintain accurate and fair information on consumers ' credit reports. The duplicate reporting of this account violates these provisions. 
Request for Investigation : I hereby request a thorough investigation into this matter as per the FCRA guidelines. I expect your agency to conduct a prompt and fair investigation within the statutory timeframe of 30 days. 
I respectfully request that you take immediate action to rectify this discrepancy. Upon completion of your investigation, I anticipate a written response detailing the outcome and any corrective measures taken. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism. 
Below

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report pertaining to an auto loan account that I held with XXXX XXXXXXXX XXXX XXXX. After careful review of my credit report, I have identified discrepancies involving duplicate reporting of this account. Below are the details of the disputed account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Current Status : Balance owing - {$19000.00} I am disputing this account on the following grounds : Duplicate Reporting : The account in question is being reported multiple times on my credit report. This duplication of reporting is erroneous and has the potential to adversely impact my creditworthiness. Paid in Full : I want to emphasize that the auto loan associated with this account has been paid in full XX/XX/XXXX. 
Despite fulfilling all financial obligations, it continues to be inaccurately reported as active, leading to a misrepresentation of my credit profile. FCRA Compliance : I am bringing this matter to your attention in accordance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as yours, maintain accurate and fair information on consumers ' credit reports. The duplicate reporting of this account violates these provisions.

Request for Investigation : I hereby request a thorough investigation into this matter as per the FCRA guidelines. I expect your agency to conduct a prompt and fair investigation within the statutory timeframe of 30 days. 
I respectfully request that you take immediate action to rectify this discrepancy. Upon completion of your investigation, I anticipate a written response detailing the outcome and any corrective measures taken. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism. 
Below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-23 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
Discovered a couple weeks ago {$3.00} was not applied to XXXX as instructed on payment slip for XX/XX/XXXX. Contacted mortgage holder and have been told several times they can not fix that problem from last year. There were a couple months this year the same thing was done. They have fixed those problems. But refuse to fix XX/XX/XXXX payment misappropriation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: KY

Complaint narrative:
Unauthorized transactions of someone using my Chime account. Total charges {$1500.00}. Personal and Witness statements have been sent to Chime. ID theft reports have also been sent. Chime is aware that an arrest has been made, and yet they have failed at crediting my account my missing money that is supposedly FDIC insured up to {$250000.00}.

Company response to consumer: Closed with explanation