vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: OH

Complaint narrative:
In accordance to 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. 

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 XXXXXXXX has violated my rights. 

I looked at my experian 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 supposed to do this ( 5 ) Treatment of innacurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be innacurate 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 that investigation and ( ii ) 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 supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is innacurate.

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 2024-12-24 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, Pennsylvania XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Account To Whom It May Concern : Equifax I am writing to formally dispute the inaccurate reporting of a XXXX account that is inaccurate XXXX This account is negatively impacting my credit score and overall creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I believe that the entry related to my XXXX account number XXXX is reporting incorrect information as it reflects. 
XXXX. Equifax date opened is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX XXXX XXXX is XXXX XXXX XXXX last payment XXXX XXXX How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX states this account is opened XXXX XXXX states this account is closed.

How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account.

15 u.s code 1681 of the FCRA, credit reporting agencies must ensure the accuracy and integrity of the information they report. The continued reporting inaccuracy information is not only misleading but also detrimental to my credit profile.

I have enclosed copies of relevant documentation, including my credit report circling all inaccurate information. I kindly request that you investigate this matter and remove the inaccurate this account from my credit report.

Please confirm receipt of this letter and provide me with the results of your investigation within the 30-day timeframe stipulated by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I checked my credit report this morning, I was shocked to find inaccurate accounts listed, and I cant understand how this happened. Ive been reviewing my credit report regularly, and its always been fine, but this time there were unexpected discrepancies. Hoping it was a glitch, I refreshed my browser multiple times, but the errors were still there. Now Im left confused and worried, so Im pleading for the documents Ive provided to be carefully reviewed to ensure this doesnt happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-24 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections account. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Account in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> my son attempted to send XXXX dollars XXXX XXXX. Using my card on his XXXX account. The total was XXXX A confirmatiom number was generated for a cancelled transaction. XXXX said wait XXXX business days for refund. I called Chime on Thursday XX/XX/year> The funds went into pending status according to the Chime agent. I told the agent I am not able to see this transaction for whatever reason. The agent told me yeah only he could see it. I asked why? He eveded the question and he eventually said we had to wait on XXXX XXXX to issue the refund. I called XXXX XXXX on XX/XX/year> was told I should contact my bank, so I did. I was told by another agent the money went into a pending status on XX/XX/year>. I asked to confirm if when in pending status do the funds leave my account, was told yes. Asked to speak to a supervisor to get my funds. I was transferred had to explain the whole situation again. Was told by agent he couldn't see transaction. He told me he checked the notes the other agents left and told me they said they didn't see the funds in pending. So I asked if he was able to see that why did I have to explain everything at the beginning of the call. We went in a few circles I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
issued by us bank national association through prepaidgiftbalance.com. 

Received the card from an employer XX/XX/XXXX. Checked the balance/registered/activated the card and it was at {$50.00}. Tried making an online purchase a couple months later and was told it was invalid. Went to prepaidgiftbalance.com to check the balance and make sure card was active. The website asks you to login using the gift card information and when you enter it, website just keeps saying please try again, and still is even today. Card expires in XXXX I called the company in XX/XX/XXXX as that is the only method of contact available. They wanted purchase details ( which I didnt have because this card was a gift ) and wanted me to fax a photo of my ID and social security number to them so that they could look into it and confirm the card is mine. The card is a prepaid gift card so my name and SSN would not be associated with the card as it was not required for initial registration, therefore I asked the company how this would confirm the card was mine since they dont have my name or SSN, nor should they need it. 

They said they couldnt help me if I didnt fax them this information. I asked if there was an email option and they said no. I gave up on trying to use the card after reading the atrocious XXXX  reviews for this company. However, I recently came across a post about where I could report this issue and decided to report it to see if there is any possibility for resolution

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Re : Account # XXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
XXXX. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 
If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
XXXX ) On XXXX XXXX I opened an account with Etrade at which time I deposited a royalty check in the amount of {$4000.00} ; XXXX ) On XX/XX/year>, I attempted to navigate the account and my account was closed without reasoning ; 3 ) I contacted Etrade immediately and was told to arrange a call with my issuing bank, I did that and was then instructed to have the bank " recall '' the check.

4 ) The bank informed me that the check was already cashed and cleared and could not be recalled ; 5 ) Etrade  has continuously given me different task i.e. submitting dln, Social Security card.

6 ) I cooperated and was given improvised reasoning as to why my funds were not returned to me ; 7 ) I have been mistreated and unduly punished by Etrade for improvised reasoning ; 8 ) I am reaching out because Etrade has been unreasonable and hostile towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Pennsylvania XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Account To Whom It May Concern : XXXX I am writing to formally dispute the inaccurate reporting of a XXXX account that is inaccurate XXXX This account is negatively impacting my credit score and overall creditworthiness.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I believe that the entry related to my XXXX account number XXXX is reporting incorrect information as it reflects. 
XXXX. XXXX date opened is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX XXXX XXXX is XXXX XXXX XXXX last payment XXXX XXXX How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX states this account is opened XXXX XXXX states this account is closed.

How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account.

15 u.s code 1681 of the FCRA, credit reporting agencies must ensure the accuracy and integrity of the information they report. The continued reporting inaccuracy information is not only misleading but also detrimental to my credit profile.

I have enclosed copies of relevant documentation, including my credit report circling all inaccurate information. I kindly request that you investigate this matter and remove the inaccurate this account from my credit report.

Please confirm receipt of this letter and provide me with the results of your investigation within the 30-day timeframe stipulated by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
CFPB COMPLAINT Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against LVNV FUNDING LLC for Violating Consumer Rights Dear CFPB, I am writing to formally submit a complaint against LVNV FUNDING LLC regarding their collection practices related to a debt owed to LVNV Funding LLC XXXX I believe that my consumer rights have been violated in the handling of this debt. 

XXXX XXXX. Creditor Information : ** - Creditor Name : LVNV Funding LLC - Collection Agency : XXXX XXXX XXXX - Account Number : XXXX XXXX. Description of the Issue : ** I have received communication from XXXX XXXX services regarding a debt that is reportedly owed to LVNV Funding LLC. However, I have not been properly informed about this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated the following provisions of the FDCPA : 3a. I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt associated with my account.

I believe that this debt is not valid for the following Inaccuracies across the two credit Bureaus which I will include the proof in an attached document. Date opened on XXXX XXXX and XXXX are completely different. How can this be accurate if the XXXX bureaus are reporting different dates.

- **Section 809 ( a ) ** : The agency failed to provide me with written notice of the debt within XXXX days of their initial communication, which should include the amount of the debt, the name of the creditor, and my rights to dispute the debt. 

- **Section XXXX LVNV Funding LLC has engaged in communication practices that could be considered harassment, such as repeated calls, emails, calls at inappropriate times, etc.

15 usc 1681 b. I did not Authorize Despite my attempts to resolve this issue such as contacting LVNV Funding LLC, I have not received satisfactory communication or resolution.

**4. Request for Resolution : ** I respectfully request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for their violations of consumer rights. Additionally, I would appreciate guidance on how to further address this issue and ensure that my rights are protected. 

Enclosed are copies of relevant documents. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-24 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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