vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX representing both XXXX and XXXX XXXX is reporting on both experian and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting these accounts incorrectly despite several dispute requests.

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 2023-06-22 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: NY

Complaint narrative:
On XX/XX/XXXX around XXXX, an unauthorized charge of {$50.00} was taken from my Chime account for XXXX XXXX. I have never used XXXX XXXX. 
I called the bank asap advised that this was not me. They canceled the card and sent a new one. 
After a few days I received and email stating " no error was found ''. I called again advising this was not a charge I made. I challenged their decision. 
I received the new card, did not use it at all. Put it away, on XX/XX/XXXX three more charges were attempted for XXXX, {$25.00} each. 
I called Chime. At which point they blocked XXXX. And resubmitted the claim for an unauthorized charge. As I advised I have switched banks, as I do not trust Chime with my money and the fact that someone was still attempting to access my account t was odd. It sounded to me as if it was internal. As the card I had never left my home. 
I received another email advising that " no error was found ''. Then received another email advising they were ending the relationship with me. 
I feel this was a retaliation as I have had the account t for years and never had an issue. It seems they not only do not want to help their customers, they get mad and close accounts when challenged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I am having a problem with One specific employee named XXXX who is the branch manager. I fell behind in XX/XX/2023. I went online and made a payment date for my payment to come out. I was contacted by XXXX who deleted my payment due to her wanting to put it in the system herself. I ended up needing to change the payment date, XXXX informed me, I was not able to cancel my payment. The payment was still in time to be cancelled per the email. I challenged her and told her to cancel my payment because I wasnt going to be able to make the payment. The conversation didnt go well. She said I was hostile and that I should come into the office. I called back to discuss help with the account and she told me, I didnt qualify. I felt as if she was preventing me from help. I contacted other stores to get help and they transferred me back to XXXX. XXXX is doing things like deleting payments when the money is in the account, blocking my online account. I spoke with another employee XXXX, who was supposed to have regional manager contact me about my complaints. I have tried from XXXX to now to get help and Im always told No. I asked for this account to be transferred to another store so I can have professional services and assistance. This is my 3rd attempt for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I bought some clothes off a fake website off of XXXX. So I disputed the transaction the day of, sent screen shots that the website does t exist anymore and they still wont give me my money. I also bought XXXX tickets ended up with XXXX and they still wont give me my money. It has been 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I never received any information from this company and upon checking my credit report I noticed this collection and I sent a validation of debt and I never received any information from them stating that I owed anything. This is effecting my credit negatively and needs to be handled.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account ending in # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
I have disputed the accounts to the bureaus but they are still showing on my report. According to 15 U.S.C 1681 Law there should not be any damages on my report, it is a deformation to my character.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention unauthorized inquiries that are listed on my credit report, which are not associated with any active accounts. I kindly request that you investigate these inquiries and take immediate action to remove them from my credit report. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX FOR XXXX XXXX date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX - XXXX date : XX/XX/2023 XXXX. XXXX OF XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - XXXX date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. TEXAS XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX CO - Inquiry date : XX/XX/2023 I would like to emphasize that I have never given permission to any individual or entity to list these unauthorized inquiries on my consumer report. These inquiries have appeared without my knowledge or consent, and they are falsely representing my credit history. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation promptly. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. I kindly request that you promptly investigate these unauthorized inquiries and remove them from my credit report, as they are inaccurately reflecting on my creditworthiness. 

Please provide me with written confirmation once these unauthorized inquiries have been removed from my credit report. Additionally, I request that you furnish me with an updated copy of my credit report to verify the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate action in resolving this issue. I look forward to a favorable resolution. 

Yours sincerely, 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention unauthorized inquiries that are listed on my credit report, which are not associated with any active accounts. I kindly request that you investigate these inquiries and take immediate action to remove them from my credit report. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX FOR XXXX XXXX date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX - XXXX date : XX/XX/2023 XXXX. XXXX OF XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - XXXX date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. TEXAS XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX CO - Inquiry date : XX/XX/2023 I would like to emphasize that I have never given permission to any individual or entity to list these unauthorized inquiries on my consumer report. These inquiries have appeared without my knowledge or consent, and they are falsely representing my credit history. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation promptly. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. I kindly request that you promptly investigate these unauthorized inquiries and remove them from my credit report, as they are inaccurately reflecting on my creditworthiness. 

Please provide me with written confirmation once these unauthorized inquiries have been removed from my credit report. Additionally, I request that you furnish me with an updated copy of my credit report to verify the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate action in resolving this issue. I look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did a balance transfer with XXXXcomenity bank for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need ou need to get a hold of comenity bank NOT XXXX XXXXXXXX again the bank is comenity bank phone number is XXXX address is XXXX XXXX XXXX XXXX OH XXXX comenity bank has the account information XXXX XXXX does not comenity is the only bank that can help you they have the information you need it was b4 they switched over please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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 am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to Credit Systems which is another violation along with HIPAA violations. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation