vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-25 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: TN

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. 
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 I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate, And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, After any reinvestigation under paragraph ( 1 ) if 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 notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My son asked me to sign up for Chime checking account on Chime.com so he can send me {$400.00}, his rent payment to me. I created an account on Chime.com and he sent me {$400.00} from his Chime account to mine. I needed to transfer this {$400.00} from Chime to my XXXX checking account so I can pay the mortgage and other bills on XXXX I logged into my Chime account and linked my XXXX  account using my XXXX creds. Once my XXXX account was linked to my Chime account I tried to transfer the {$400.00} from Chime to XXXX. I received a message that I had to activate my physical debit card before I could complete the transaction. I contact a Chime support rep through the Chime app. I was told that I could not transfer any funds from my Chime account to any linked external accounts until I received my Chime debit card and activated it. I was told I would receive it in 7 to 10 days. I was told this is because it's a security risk and this is their policy. Their whole business model is a security risk. I was told that I could use my Chime virtual card to shop online and online bills. I have XXXX to send my mortgage payment on the first of every month. The virtual card is useless to me. How are they allowed to hold my money hostage until I receive a physical card? I don't remember Chime stating anywhere in writing that you can't transfer any funds to external accounts until you receive your card and activate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the incorrect details from my credit report.

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 2024-10-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$7500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. 

On the XX/XX/XXXX Statement, the billing cycle closed on XX/XX/XXXX with payment due on XXXX.On the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate. 

On the XX/XX/XXXX Statement, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This Late Fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate and needs to be removed from my credit report immediately. 

Additionally, TransUnion is reporting that the Payment Status of the Account is 60 Days late. XXXX is reporting the account as 30 Days Late. Neither of these are accurate. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-10-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-10-25 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To TransUnion : Subject : Dispute of Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute the collection account listed under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681s-2, it is required that all information provided to credit reporting agencies be accurate. I believe this account has not been validated properly and may be inaccurate or incomplete. I request that TransUnion conduct a thorough investigation and update my credit report accordingly. 
A collection account can not be reported as open. This is a major FCRA violation. I want this removed from my credit report immediately. 

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 2024-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: FL

Complaint narrative:
Dear property receivables corp I am writing to formally dispute the debt referenced above, which appears on my credit report under your company 's name. I do not recognize this debt and have no knowledge of any contract or financial agreement that would result in this balance. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. I kindly request that you provide me with the following information to substantiate your claim : 1. Proof that I owe the debt, including any signed contracts or agreements.

2. A detailed account of how the balance was calculated, including any interest or fees applied.

3. Verification of your legal right to collect on this debt, including documentation that you have been authorized to collect on behalf of the original creditor.

If you can not provide the required documentation, I request that you cease any collection efforts and remove this item from my credit report. Please be advised that until proper validation is provided, I consider this debt to be in dispute.

I expect your response within the time frame required by law ( 30 days ), and I request that all further communication regarding this matter be in writing. 

Thank you for your attention to this request. I look forward to resolving this matter promptly. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
I am writing to formally lodge a complaint against XXXX  XXXX XXXX XXXX XXXX regarding their blatant disregard for consumer protection laws, specifically concerning my recent dispute ( Account Number : XXXX ). My initial dispute letter, dated XX/XX/year>, has gone completely unanswered, despite the clear legal requirement for a response within 30 days. 

This is not just an oversight ; it is a violation of my rights as a consumer under the Fair Credit Billing Act ( 15 U.S. Code 1666b ). I have never received the mandatory notice 21 days prior to the payment due date, which is essential for managing my payments effectively. This failure to notify me has resulted in unjust late payment entries that are severely damaging my credit score and overall financial health.

The lack of communication and failure to address my concerns reflects a systemic disregard for consumer rights. I am left with no choice but to escalate this matter. I hereby demand the immediate removal of all inaccurate late payment entries on my credit report and a formal acknowledgment of this complaint. 

Let me be clear : if I do not receive a satisfactory resolution within the next 7 days, I will initiate legal action in small claims court. I expect XXXX  XXXX XXXX XXXX XXXX to take this matter with the seriousness it deserves. Failure to comply will result in further actions to protect my rights and financial well-being. 

Sincerely,

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 2024-10-25 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: VA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-25 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: IN

Complaint narrative:
please be advised this is the third written request and final warning that I fully intend to pursue litigation in accordance with the fcra to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued willful negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the fcra to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly but have not provided a reasonable method of verification? I m requesting for the third time that you provide the method of verification you used. Your response should provide. The name of the individual business, address, and telephone number of the person or business contacted during your investigation. The name of the person who verified the dispute with the original creator. The documentation that used to verify dispute. To date, you have not provided me with a copy of any documentation ( hard evidence that goes all the way to the original creditor, not verification from a third party database ) furthermore, you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). In fact, under section 611 ( a ) ( 7 ) you required to provide a description of the reinvestigation procedure by no later than 15 days that included information as described in section 611 ( a ) ( 6 ) ( b ) ( iii ). please be advised that under section 611 ( 5 ) ( a ) of the fcra you are required to promptly delete all information which caint be verified. The law is very clear as to the civil liability and the remedy available to the ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend in this matter to enforce my rights under the fcra. I demand the following accounts be verified or deleted immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all hard inquiries.

Company response to consumer: Closed with non-monetary relief