vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you immediately block and remove the following negative items from my credit report : Account Name : XXXX XXXX XXXX XXXX Potentially negative months Account Number : XXXX  Account Type : Secured Card Date of Account : XX/XX/XXXXXXXX  Open/Closed : Closed Status Account charged off. {$420.00} written off. {$120.00} past due as of XX/XX/XXXXXXXX  Status Updated : XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Type : Debt Buyer Date of Account : XX/XX/XXXX Status : Collection account. {$2200.00} past due as of XX/XX/XXXX Status updated : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account type : Collection Date of Account : XX/XX/XXXX Open/closed : Closed Status : Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX  The fraudulent items listed above are not authorized by me, and I have never had any association with these accounts. In accordance with the Fair Credit Reporting Act, I am entitled to have this information blocked and removed immediately from my credit report. Enclosed, I have provided the following documentation to verify the identity theft : A copy of my government-issued ID ( e.g., driver 's license or passport ). 
A copy of an identity theft affidavit. 
Proof of residence, such as a utility bill or bank statement. 

A copy of the relevant sections of my credit report, highlighting the fraudulent items. As stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), you are required to block the reporting of these items within four business days of receiving this notification, and I expect that my credit report will reflect these changes promptly. Please send me written confirmation once these items have been blocked and removed from my credit report. I look forward to your prompt resolution of this matter. 
Thank you for your attention to this urgent request. 
Sincerely, 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you immediately block and remove the following negative items from my credit report : Account Name : XXXX XXXX XXXX XXXX Potentially negative months Account Number : XXXX  Account Type : XXXX XXXX Date of Account : XX/XX/XXXXXXXX  Open/Closed : Closed Status Account charged off. {$420.00} written off. {$120.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Type : Debt Buyer Date of Account : XX/XX/XXXX Status : Collection account. {$2200.00} past due as of XX/XX/XXXX Status updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account type : Collection Date of Account : XX/XX/XXXX Open/closed : Closed Status : Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX  The fraudulent items listed above are not authorized by me, and I have never had any association with these accounts. In accordance with the Fair Credit Reporting Act, I am entitled to have this information blocked and removed immediately from my credit report. Enclosed, I have provided the following documentation to verify the identity theft : A copy of my government-issued ID ( e.g., driver 's license or passport ). 
A copy of an identity theft affidavit. 
Proof of residence, such as a utility bill or bank statement. 

A copy of the relevant sections of my credit report, highlighting the fraudulent items. As stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), you are required to block the reporting of these items within four business days of receiving this notification, and I expect that my credit report will reflect these changes promptly. Please send me written confirmation once these items have been blocked and removed from my credit report. I look forward to your prompt resolution of this matter. 
Thank you for your attention to this urgent request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accord Business Funding, LLC
State: MS

Complaint narrative:
AMA Recovery Group has placed an UCC lien on my XXXX  account. An action that has caused me, my family, and my business a great and extreme inconvenience. Inabling me from being able to handle daily activities, providing for my family, and also paying bills on time. Which in turn has created a great deal of damage to my consumer report. Keeping me from being able make business moves to provide so financial relief for family and business. A cease and desist letter and dispute letter was sent XX/XX/year>. A compliance letter was sent XX/XX/year>. Both requesting a written response within 15-30 day period that I never received. Instead AMA Recovery Group chose to violate my consumer rights by starting to contact me via multiple telephone calls. This has become very annoying and an inconvenience in my daily life. A final notice letter has been sent XX/XX/year>XXXX  demanding that they lift this lien on my account and cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TD BANK US HOLDING COMPANY
State: ND

Complaint narrative:
Fraudulent opening of account at Nordstrom. I called card was supposed to be canceled. Then reported to XXXX  as Fraudulent. 
Nordstrom didn't cancel card. XXXX said information accurate. 
Both failed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-15 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: MS

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-11-15 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: MS

Complaint narrative:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-11-15 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report i want the fraudulent account to be removed from my credit report immediately because they hurt 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 2024-11-15 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 respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-15 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 respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
So my mom passed away and I was asking for donations on go fund me had some people make donations and I had those donations deposited in my chime checking account and I also have a credit builder account with them and yes the credit builder was in the negative so I shut off the easy pay and the automatic transfer so none of that money would be taken for that negative balance so I could put the money to where it was ment to be used but yet when that money came in they took from my checking to pay my negative balance and when I contacted them they stated it was taken because the easy pay was turned on and when I proved them wrong with a screen shot showing it was off they said it was showing off because I just turned it off so they couldn't do nothing for me but I ended my promission they previously had to take the money to pay a negative balance from my other accounts before that money was deposited into my account so they stole money from my moms funeral cost

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification, I want a real human being to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but TRANSUNION has not yet compensated me for federal consumer violations and damages caused. I will have proof of my claims attached and I will have my Pre-Arbitration attached. Also, an invoice will be attached below. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration.

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 2024-11-15 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: ND

Complaint narrative:
Fraudulent opening of account at XXXX. I called card was supposed to be canceled. Then reported to experian as Fraudulent. 
XXXX didn't cancel card. Experian said information accurate. 
Both failed

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AK

Complaint narrative:
XX/XX/XXXX : A consumer complaint was filed for Case Number XXXX with the State of Alaska against XXXX XXXX regarding an outstanding balance on my account. 

XX/XX/XXXX : XXXX XXXX submitted this outstanding balance to a collection agency without my knowledge or consent. 

XX/XX/XXXX : The collection agency reported this debt to all three major credit reporting agencies ( XXXX, XXXX, XXXX ) without providing any validation of the debt. 

XX/XX/XXXX : I sent a written request to the collection agency for debt validation, as I believed the debt was in dispute. 

XX/XX/XXXX : In response to my request on XX/XX/XXXX, the collection agency sent me a bill instead of a proper validation of the debt as required by law. 

XX/XX/XXXX : I sent a second notice to the collection agency requesting proper validation of the debt. 

XX/XX/XXXX : The collection agency sent a notice stating that the collection account had been removed. 

XX/XX/XXXX : I notified the collection agency that requesting debt validation by reporting it to a credit bureau is not a lawful way of seeking validation from the consumer. I indicated that, by doing so, the collection agency had reported false information to my credit report, and legal action may be necessary to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting myself under the Fair Credit Reporting Act ( FCRA ). For two years they reported other deceptive accounts to me and I made the different complaints and they removed them but the points that I lost for those accounts were not returned. For example, before those complaints I had the score over XXXX and they lowered it to XXXX and something but they never returned the lost points to me. I have called them several times to make that claim and they tell me that they are going to return them to the score and they do not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
Recently Ive checked my credit report and noticed incorrect and inaccurate information involving theft causing tremendous damage to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase bank opened a business account for me and as soon as I deposit my business checks they closed my account with over XXXX dollars in it and its been almost two months and they still havent send my money that was deposited in my account what do I do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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