vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XXXX XXXX closed the 3 accounts I have had for year with XXXXXXXX XXXX, XXXX, and XXXX. 
All accounts were in good standing, never missed a payment or was late. Paid most account balances in full on, or before due dater. 
XX/XX/XXXX I tried using XXXXXXXX XXXX card and it was declined. I checked and same with XXXX and XXXX. I talked to 3 people at XXXX. Could not tell me why, " You will get a letter ''. 
I did and all it said on all 3 was " Activity with XXXX indicative of high risk of failure to pay ''. I called back and got the same answer. The lady said I could file a dispute with Transunion that XXXX used to grant credit. I did and after 30 days I received a report that I could find nothing absolutely nothing in it for their action. The lady at Transunion stated that my credit looked good. She suggested that I reapply to XXXX I did, they issued me another card with {$8000.00} line of credit after running a credit check with Transunion. I tried to use my new card at XXXX today and it declined. It too has been canceled. 
I am attaching the report from Transunion and XXXX after my dispute. The Transunion Report never gave me a ligitimate reason for XXXX XXXX action, My credit score with XXXX is over XXXX and in high XXXX with the other two. 
I need help. I am a retired veteran and use XXXX for my military discount. I use my XXXX to Scan and get a 5 % discount. 
I have checked my credit files and can find anything indicating I am high risk I have sufficient income to handle anything I purchase on credit. My equation Outstanding amount to balances is extremely low. 
Please help me understand the closing of 3 good accounts that are excellent in payment history. .I have sense asked Transunion to file a new dispute. Have not heard anything from them. Transunion was very helpful but I never found out wny?

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 2024-10-03 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:
I AM A VICTIM OF XXXX  TRAFFICKING WHICH IS ALSO THE RESULT OF IDENTITY THEFT. AFTER BEING A VICTIM OF XXXX  TRAFFICKING THE PREDATOR USED MY INFORMATION WITHOUT MY PERMISSION AND ALSO WITHOUT MY KNOWLEDGE. I HAVE ALREADY SENT OUT A LETTER TO THE CREDIT BUREAUS IN REGARDS TO THE FRAUDULENT ACCOUNTS AND INQUIRIES DONE IN MY NAME WITHOUT MY CONSENT WHILE BEING A VICTIM.ALSO HAVE SENT IN SUPPORTING DOCUMENTATION ACCORDING TO THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the bankruptcy entry on my credit report, which I believe is inaccurate and not compliant with Metro 2 standards and guidelines. I request immediate removal of this entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified multiple inaccuracies with the reporting of this bankruptcy entry. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score and personal finances. Below, I outline the discrepancies : Metro 2 Standards Violations : Incorrect Date of Bankruptcy Filing : The bankruptcy reporting contains an incorrect or outdated filing date, which does not align with Metro 2 standards for accuracy. 
Improper Classification of Account : The bankruptcy may have been improperly coded or classified under the wrong category, making it non-compliant with the strict Metro 2 guidelines for reporting public records. 
Inconsistent Data Across Bureaus : The bankruptcy information is not uniformly reported across all major credit bureaus, which violates Metro 2 guidelines that ensure consistency and accuracy in credit reporting. 
Missing or Incomplete Public Record Data : There is insufficient documentation to support the continued listing of this bankruptcy. Under Metro 2, all public records must include verifiable information directly from court records. 
As required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report. 
Legal Basis : Under the FCRA ( 15 U.S. Code 1681i ), the credit bureau has a duty to : Investigate and remove inaccurate information within 30 days. 
Notify me of the results of the investigation. 
Since the bankruptcy entry violates Metro 2 compliance standards and fails to meet FCRA accuracy requirements, I am requesting the immediate deletion of this entry. If you are unable to verify the accuracy of the information within the 30-day window, this account must be removed.

I expect a prompt investigation into this matter, and I request that you notify me of the results within the legally mandated time frame. If the data can not be verified as accurate and compliant with Metro 2 standards, I request that you remove it from my report without delay. 

Failure to take timely action will result in further complaints to the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, legal recourse. 

Thank you for your attention to this urgent matter. I look forward to your response and the immediate correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-03 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: Village Capital & Investment LLC
State: AL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had late payments on my report. Under code 15 USC 1666b this is a clear violation of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: VA

Complaint narrative:
I checked my XXXX XXXX account to find that a payday loan for {$440.00} had been taken put in my name days after I turned XXXX I called the service associated with the charge and noticed that when they recalled the information attached to the account, everything except for my name was consistent with my adoptive mother 's work email and home address. They still refused to take the balance off of my account, and it shows that now it is owned by XXXX for collections.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-03 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: TX

Complaint narrative:
XX/XX/year> Chime Financial , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Regarding Dispute Claim Decision for Account Ending in XXXX Dear Chime Executive Team, I am writing to formally express my dissatisfaction with the handling and outcome of my dispute claim regarding an unauthorized transaction on my account ending in XXXX. The details of my claim are as follows : Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Reported : XX/XX/year> Claim Amount : {$280.00} Despite providing substantial documentation, including proof of purchase of a replacement phone, a claim confirmation from XXXX, and an approved police report detailing the theft of my wallet and phone, my claim was denied, stating no error occurred. I respectfully believe that my case was not adequately reviewed or that critical information was overlooked during your investigation. 

Enclosed are the following documents that I previously submitted to support my claim : 1. Proof of Phone Purchase - Dated XX/XX/year>, from XXXX, confirming that I had to purchase another phone after my original phone was stolen. 
2. XXXX  Claim Confirmation - Dated XX/XX/year>, confirming that I created a claim with XXXX for a replacement phone. 
3. Approved Police Report - Report XXXX XXXX, dated XX/XX/year>, detailing the theft of my purse, which contained my wallet and phone. 

These documents demonstrate that I did not authorize the disputed transaction and that my cards were compromised during the theft. I kindly request that your team reassess my case with the additional evidence provided and reconsider the outcome of my claim. 

The unauthorized transaction has caused me significant inconvenience and financial hardship, and I believe that I am entitled to the protection and resolution promised by your services. If there are any other documents or details required, please do not hesitate to contact me. I am eager to resolve this matter as promptly as possible. 

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

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We received a letter in the mail of a data breech from XXXX XXXX in the name of our daughter XXXX XXXX saying that personal information which could include social security numbers, phone numbers, addresses, etc. was taken by cyber criminals. A few weeks later, my debit card was locked from the bank after a suspicious transaction had occurred on it. My husband and I went to the Huntington bank XXXX XXXX XXXX XXXX in XXXX on Thursday, XX/XX/XXXX and opened all new banks accounts. While we were at the bank, we noticed that someone had hacked into our online banking and setup their phone number as one of the numbers on our account and had listed a fake email ( XXXX ) as an email for our account. We had XXXX delete that phone number and email from our online banking. On XX/XX/XXXX, I got a text message from our bank asking if I used my card ending in XXXX at XXXX XXXX for {$1800.00}. I don't have a card number ending in that number so I said no and they stopped that transaction. I googled XXXX XXXX and it's a liquor store in XXXX, Michigan. Also, on Saturday XX/XX/XXXX we noticed that there was a pending transaction for {$9600.00} from one of our bank accounts. We called XXXX but they couldn't tell us much since it was Saturday. My husband went to the Huntington bank in XXXX, OH on Monday, XX/XX/XXXX and the banker told him that someone went to the XXXX in XXXX XXXX, Michigan and was able to make that {$9600.00} withdrawal on XX/XX/XXXX. They did not check their ID and said that they compared signatures but I don't believe that to be true. My signature and hand writing do not match the withdrawal slip. I have a picture of the withdrawal slip from the bank in Michigan that I can share as well. The bank in Michigan said they would to start an investigation, but we havent received anymore updates or a refund or our money. I feel like the bank should have done more to protect our accounts especially since it was a very large withdrawal in a whole different state that the one we live in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and its affiliate XXXX XXXX XXXX is not updating fairly or properly. My XXXX scores are drastically dropped which hinders my financial opportunities. Equifax and its affiliates is reporting that my accounts on Equifax are in good standing but score is drastically dropping ie from XXXX to XXXX on Equifax. 
According to Equifax and its third party affilate nothing has change and payment history is good then why isn't Equifax notifying XXXX XXXX  XXXX of accurate status which is all accounts are in good standing. Iam asking for this issue to be corrected as my financial opportunities are in danger and causing problems for future financial aid or assistance. 
In addition there are inquires that I did not authorize that's on Equifax and credit karma in platform. 
Lastly if there is no reason for change on report and score why is why score so drastically low. I will allow the stipulated time to have this issue corrected after that I will persue legal action starting with the credit bureaus in question and its affiliate. This issue is going on for years and i will get Washington credit representatives involved this has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
URGENT COMPLAINT Equifax 's Refusal to Remove Fraudulent Accounts Despite Identity Theft Documentation I am writing to formally lodge a complaint against Equifax for their blatant refusal to remove fraudulent accounts from my credit profile, despite overwhelming evidence that I am a victim of identity theft. These actions violate the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

Two fraudulent accounts remain on my credit profile : XXXX XXXX XXXX XXXX XXXXXXXX This account is completely unauthorized and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is fabricated and has no legitimate basis to appear on my credit report. 
I have taken all appropriate steps to address this identity theft, including providing Equifax with the FTC Identity Theft Report, an affidavit signed under penalty of perjury, and all relevant supporting documentation. Equifax has failed to act on this information and has continued to report these fraudulent accounts, jeopardizing my financial health and damaging my credit profile. 

Violations : Equifaxs refusal to remove these accounts is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 Block of Information Resulting from Identity Theft : Equifax is required by law to block fraudulent information upon receiving documentation that an account is the result of identity theft. I have complied with all requirements, yet these accounts remain on my report. 
15 U.S. Code 1681i Procedure in Case of Disputed Accuracy : Equifax has failed to conduct a proper reinvestigation of these accounts and continues to report incorrect information despite clear evidence. 
Equifaxs Negligence : Equifaxs negligence in this matter has caused severe financial and emotional distress. Their refusal to remove fraudulent accounts even after receiving the necessary documents is unacceptable. I am demanding immediate action from your office to hold Equifax accountable for their failure to comply with federal laws and to protect consumers like myself from further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

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 ( account name, account number ) 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 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. Here is the account I am asking you to verify as accurate : account name : California XXXX XXXX account 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 2024-10-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries on my credit report, which were made without my explicit consent. These inquiries violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hi- I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. 
This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 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. 

I am writing to dispute the reporting of inaccurate information on my credit report. Under 15 USC 1681i ( 5 ), you are required to remove any inaccurate or unverified information. Additionally, 15 USC 1681e ( b ) mandates that you ensure maximum possible accuracy in your reporting. 

Please conduct a thorough investigation and provide me with the results, along with my updated credit report. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief