vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: WI

Complaint narrative:
To whom it may concern, I am writing to formally dispute a debt claimed by XXXX XXXX XXXX, who allege that I owe XXXX XXXX {$680.00}. I assert that this debt is in error, as I have never utilized their services in XX/XX/year> or at any other time. 

Despite my repeated attempts to resolve this issue directly with XXXX XXXX XXXX, I have not received proper debt validation as required by law. On XXXX occasion, I was left on hold for over an hour without resolution. 

I believe this constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically : - **15 U.S. Code 1692g** - Validation of debts : This statute requires debt collectors to provide validation of the debt upon request, including the amount of the debt and the name of the creditor. 
- **15 U.S. Code 1692d** - Harassment or abuse : The excessive hold time and lack of response could be construed as harassment, which is prohibited under this section. 

Furthermore, the continued reporting of this erroneous debt on my credit report violates the Fair Credit Reporting Act ( FCRA ) : - **15 U.S. Code 1681i** - Procedure in case of disputed accuracy : This section requires credit reporting agencies to promptly investigate and correct inaccurate information on a consumer 's credit report. 
- **15 U.S. Code 1681s-2** - Responsibilities of furnishers of information to consumer reporting agencies : This mandates that companies like XXXX XXXX XXXX  ensure the accuracy of the information they report to credit bureaus. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that this fraudulent information is removed from my credit report immediately. This erroneous reporting has caused significant distress and potential harm to my creditworthiness. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: WI

Complaint narrative:
To whom it may concern, I am writing to formally dispute a debt claimed by XXXX XXXX XXXX, who allege that I owe XXXX XXXX {$680.00}. I assert that this debt is in error, as I have never utilized their services in XX/XX/year> or at any other time. 

Despite my repeated attempts to resolve this issue directly with XXXX XXXX XXXX, I have not received proper debt validation as required by law. On XXXX occasion, I was left on hold for over an hour without resolution. 

I believe this constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically : - **15 U.S. Code 1692g** - Validation of debts : This statute requires debt collectors to provide validation of the debt upon request, including the amount of the debt and the name of the creditor. 
- **15 U.S. Code 1692d** - Harassment or abuse : The excessive hold time and lack of response could be construed as harassment, which is prohibited under this section. 

Furthermore, the continued reporting of this erroneous debt on my credit report violates the Fair Credit Reporting Act ( FCRA ) : - **15 U.S. Code 1681i** - Procedure in case of disputed accuracy : This section requires credit reporting agencies to promptly investigate and correct inaccurate information on a consumer 's credit report. 
- **15 U.S. Code 1681s-2** - Responsibilities of furnishers of information to consumer reporting agencies : This mandates that companies like XXXX XXXX XXXX  ensure the accuracy of the information they report to credit bureaus. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that this fraudulent information is removed from my credit report immediately. This erroneous reporting has caused significant distress and potential harm to my creditworthiness. 

Thank you for your prompt attention to this matter.

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 2024-05-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
For account XXXX for {$2200.00} from XXXX XXXX. XXXX shows account was obtained illegally and still refusing to provide XXXX XXXX XXXX and/or Full Purchase Agreement. 
On my most recent review, it was brought to my attention the name for the owner of the account do not match my legal name. Please stop all collection and delete trademark. Litigation in process. Attached the piece of document showing the name and my blurred Driver Licensed showing name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
On XXXX i filed a complaint with CFPB company responded XX/XX/year> ( Eastern Account Systems ) Agreed to remove accounts from credit reports. Never Removed as agreement. Major Under FCRA Violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the lnaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : XXXX ) in accordance with The fair credit reporting Act, public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-18 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: PA

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the lnaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : XXXX ) in accordance with The fair credit reporting Act, public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
Transunion will not remove a duplicate from an agency I have no account with have no contract with and have no signed promise to pay with is reporting a duplicate charge from another agency as a deliberate damage to my credit I notified this agency and they say its verified and true when its a third party reporting the same thing and have no contract with them

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 2024-05-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX  - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name XXXX XXXX  - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I reviewed the consumer report as stated in 15 U.S CODE B '' whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. ' All but XXXX was representing the correct amount. The malrepresentation of incorrect credit information can be serious I would never leave a card with a balance of XXXX dollars the account has been closed for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
I am a chime member and I had there secured credit builder card.. I've been a member for 3 or 4 years... They started depositing my paycheck ( XXXX dollars ) direct deposit into my credit builder account instead of my direct deposit. Which I didn't authorize. Threw the app I transfered it back to my checking account. I thought everything was fine. Then about a month later they closed my credit builder account. At first they said in was for inactivity. But I kept digging then they said it was because I had a outstanding balance of XXXX when I transfered the money back to my checking from credit builder. In there system they had me negative XXXX in my credit builder.. .. so to get this resolved it took me about a month of calling 2 times a week. So they finally fixed it and had my checking account right and my credit builder account with a XXXX balance. But they wouldn't let me reopen the account or open it themselves.I thought that was shady. So what I'm going threw now they won't report a updated balance of XXXX and closed account to transunion. They lasted report on XX/XX/XXXX. And today is XX/XX/XXXX. An I've been calling every other day. They gave me a account statement paper with a updated XXXX balance and closed account. But they won't report the updated balance to transunion. And it's hurting my credit score by XXXX points. They said they won't be reporting it because the account is closed. Well TransUnion thinks it's open and carrying a balance. That's not fair reporting.. and they won't respond to any of disputes

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XXXX of XXXX I began inquiring into why I cant pull my transunion score or get a free credit report. They stated I had fraud reported on my account 10 years ago, and they couldn't unlock it they had to send in a ticket to get it unlocked and would send me a paper report. I have called no less then XXXX times to get this fixed.. and I still cant pull my own report online anywhere, nor have I ever received a paper copy! This is discrimination and is in violation of the fair credit act. I need this corrected immediately.

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 2024-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I had an account with them for awhile they closed of my access due to potential fraud when I sent in the information to verify my identity they permanently closed it and refused to release any funds associated with the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle are trademarks of Early Warning Services , LLC for which I'm complaining about both companies to the Consumer Protection agency, the State Attorneys, the FTC, and every governmental institution out there can read my case/complaint. 

As part of account opening and services provided to the client, a Credit Union/Bank offer customers, Zelle services . These Service come within the agreement to be gargantee for the customer as part of the transfer money services and free of charge. On my most recent account opening experience and enrollment in Zelle I've noticed the company ( Zelle ) had flagged my emails ( Use within Zelle ) preventing me from even using Zelle or even changing them so I can enjoy my account services to its fullest. It was brought to my attention my account was not getting unrestricted despite severals attempts from my Bank to request the removal of the restriction to Zelle services. My Bank had told me Zelle is not un-restricting my account due to Fraud being reported on previous account ( that used those emails ) which rises so many questions. 

What does fraud report for specific transactions ( not involving Zelle ) has to do with my ability to use Zelle on a new Bank account? 

Why is Zelle acting as a Bank when the actual Bank is requesting the un-restricting status to my emails? 

Why is Zelle ( a paid service by the Bank ) restricting customers to use it Services when they getting paid by the Bank as a XXXX party and their services are free for the customer? 

All in all, my meals address XXXX XXXX are restricted because Zelle decided to use filters that reads consumer reports from Early Warning to weather or not decide the transaction goes through or not, a direct violation the the Bank policy, acting as a sole Bank and restricting services. 

All this information was provided by my Bank and they claiming Zelle for not allowing me to use its services within my Credit Union account DESPITE THE FACT I have Zelle in XXXX other Bank accounts I won't be disclosing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Chime Financial Inc
State: PA

Complaint narrative:
I am a chime member and I had there secured credit builder card.. I've been a member for 3 or 4 years... They started depositing my paycheck ( XXXX dollars ) direct deposit into my credit builder account instead of my direct deposit. Which I didn't authorize. Threw the app I transfered it back to my checking account. I thought everything was fine. Then about a month later they closed my credit builder account. At first they said in was for inactivity. But I kept digging then they said it was because I had a outstanding balance of XXXX when I transfered the money back to my checking from credit builder. In there system they had me negative XXXX in my credit builder.. .. so to get this resolved it took me about a month of calling 2 times a week. So they finally fixed it and had my checking account right and my credit builder account with a XXXX balance. But they wouldn't let me reopen the account or open it themselves.I thought that was shady. So what I'm going threw now they won't report a updated balance of XXXX and closed account to transunion. They lasted report on XX/XX/XXXX. And today is XX/XX/XXXX. An I've been calling every other day. They gave me a account statement paper with a updated XXXX balance and closed account. But they won't report the updated balance to transunion. And it's hurting my credit score by XXXX points. They said they won't be reporting it because the account is closed. Well XXXX thinks it's open and carrying a balance. That's not fair reporting.. and they won't respond to any of disputes

Company response to consumer: Closed with non-monetary relief