vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received a copy of my consumer report and noticed inaccurate information reported. I requested a reinvestigation and that these items be deleted from my credit report on XX/XX/year>. I see that the items are still showing on my credit report. Pursuant to 15 USC 1681 ( a ) Accuracy and Fairness of Credit Reporting, according to the law, before any information is inserted into my consumer report, it MUST be accurate and fair information reporting. I am aware of my rights and know, according to the Fair Credit Reporting Act. That I have a right to challenge anything and everything, that I am unsure of. 

My demands are : For you to provide me the XXXX XXXX and this is what I need included in the XXXX XXXX : Account file Ledger ALL accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY! 
If you fail to communicate to the Consumer Reporting Agencies that this debt is in DISPUTE, that would be a violation pursuant 15 USC 1692e8-False or Misleading Representation. 
The law is very clear as to the civil liability and the remedy available to me, according to 15 USC 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend or pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account is not an update to my consumer report. 

I am demanding that you reinvestigate this account immediately and respond within XXXX business days with update. If you can not provide proof of the reinvestigation, these accounts MUST be deleted, according to 15 USC 1681 Treatment of Inaccurate or Unverifiable information. In general, if 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 promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. 
Thank you for giving this you prompt attention, 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 2024-06-07 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: DE

Complaint narrative:
To Whom it May Concern This complaint is regarding account : XXXX # 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 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit report including XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2024-06-07 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: NY

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.

has violated my rights. Or a list of inquiries : 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 2024-06-07 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: NY

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.

has violated my rights. Or a list of inquiries : 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 2024-06-07 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: 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.

has violated my rights. Or a list of inquiries : 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 2024-06-07 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: 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.

has violated my rights. Or a list of inquiries : 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 2024-06-07 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NV

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
These accounts information are wrong and hurting my credit profile and score financially and get me in hardship with these false statements moving my information other debts buyers and messing my reputation XXXX XXXX XXXX XXXX Last reported XX/XX/year> {$1000.00}. 
Open XXXX XXXX XXXX XXXX XXXX Original creditor CAINE & WEINER Last reported XX/XX/year> {$2300.00} Open balance CAINE & WEINER Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 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. 
Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: PA

Complaint narrative:
I am writing you regarding my chime account which was drained by my XXXX mother she took over XXXX from me just from one account which I also filed a dispute for the bank said they where investigating but denied my claim the same day as dispute filed I have given documents and proof of the accused she is now in XXXX for fraud please help me because the bank is just giving me the run around when money is supposed to be protected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Extremely rude, poor people skills and tried to act like the authority. She told me my social security number over the phone and asked if it was mine, I asked if they reported to credit agencies and she kept telling me to answer her questions and ignoring my only question. Look the up on XXXX and look at the reviews.

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 2024-06-07 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: NV

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been adversely affected and have had my rights breached and violated. I HAVENOT received a schedule tender offer, nor was I disclosed to XXXX, among other things. I have made multiple attempts, during my administrative process, to contact the servicer ( XXXX XXXX XXXX , National Association ), the issuing entity ( XXXX XXXX  Trust ), and the Indenture Trustee ( XXXX XXXX XXXX XXXX XXXX XXXX ), regarding a Notice of Default for Outstanding Notes, a written notice specifying such default and breaches, and requesting it to be remedied. Also stating, that the interests as a Noteholder are being materially and adversely affected and continue to be materially and adversely affected. I have had my documents returned to me saying " Not XXXX XXXX 's Mail '' or have had to fax it to serval different departments just for them to say " they can't help ''. Section 3.9 of the Indenture Agreement states that they are to deliver to the Indenture Trustee. Also, Section 6.11 says the Holder of any Note will have the unconditional right, to receive payment of the principal of and interest on such Note, and to institute suit for the enforcement of any such payment. 

They have Breached/Violated ..... 
Representations and Warranties 17 CFR 230.425, 17 CFR 240.14a-12 17 CFR 240.14d-2 17 CFR 240.13e-4 ( c ) Regulation AB Items 1103 ( a ) ( 1 ) Regulation AB Items 1109 ( a ) Regulation AB Items 1109 ( b ) Regulation AB 1117 Regulation AB 1118 Regulation AB 1119 Regulation AB 1122

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX I was leaving for a vacation out of the XXXX XXXX and XXXX reps were trying to sell credit cards based on benefits when you fly. I never do this but they kept trying so I said yes. They went through the high points and I didnt know it was an XXXX XXXX that it had fees til much later. I received the card weeks later but I never used it til over a year later XX/XX/XXXX and BOOM they hit me with a {$XXXX} annual fee. I politely called them and said let me pay my balance in full now because I dont use credit cards with fees. They took my payment then told me I was still liable for the fee. I told them I wasnt going to be hijacked by a major credit card. I tried several times to get them to change their tune but they wouldnt. Its XXXX XXXX of the matter with me, I was unaware of the fee, I paid my balance and said I dont use cards with fees and lets part ways. I closed the account. Is this how a major company should be treating people? This is the lengths they are going to now and theyre hurting consumers. I have had a pretty decent XXXX XXXX for years by being careful. My score has been XXXX for years, now XXXX down to XXXX because they are sending me a bill every month with interest which is now up to {$XXXX}. This scandalous company comes along and wants to take me down over {$XXXX}. Im holding my ground!! They are ruining my credit and I want it to stop. They are making it look like Im delinquent on my bills on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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 would like to follow up and express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late account openings not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late account openings. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$250.00}.

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 2024-06-07 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:
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