vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: R.A.Rogers, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, at XXXX XXXX Central Time, I received a call at my XXXXXXXX XXXXXXXX residence from R.A. Rogers Inc. ( XXXX ). The timing of this call violates the FDCPA, as it occurred before the legally permitted time of XXXX AM in my time zone. The caller, identifying herself as 'XXXX XXXX XXXX ' left a voicemail that failed to include several legally required disclosures. 

The voicemail message stated : 'This is XXXX XXXX calling with our Rogers . Please give me a call back at area code XXXX. XXXX I'm on extension XXXX. ' This message notably failed to : Identify herself as a debt collector Disclose that this was an attempt to collect a debt Provide the required mini-Miranda warning Moreover, I have never received written validation of the debt they are attempting to collect. I have no documentation explaining what this debt is for, who the original creditor might be, or when it was allegedly incurred. My phone system has identified this number as 'SpamRa Rogers Inc ' with multiple spam reports, suggesting a pattern of problematic contact attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate of unverifiable information ( A ) general if, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 file of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX  | XXXX  XXXX | {$10000.00} -This account is being reported inaccurately, please remove this from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX  XXXX for XXXX XXXX XXXX and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their failure to resolve a fraud dispute and return {$3800.00} that was unlawfully withdrawn from my account. Despite filing XXXX separate disputes, Chime has not refunded my money, causing significant financial distress. 

Details of the Incident : Account Holder : XXXX XXXX Account Number : XXXX Date ( XXXX ) of Fraudulent Transactions : [ Dates of Unauthorized Transactions ] XX/XX/year> Total Amount in Dispute : {$3800.00} Number of Disputes Filed : XXXX Summary : On XX/XX/XXXX I noticed unauthorized transactions totaling {$3800.00} from my Chime account. I immediately contacted XXXX customer service and filed a dispute to report the fraud and request a refund. Over the following weeks, I filed XXXX additional disputes due to lack of response and resolution from Chime. 

Despite my persistent efforts, Chime has failed to return my funds or provide a satisfactory explanation for the delay. This inaction has caused me considerable financial hardship, as I rely on these funds for essential living expenses. 

Request for Resolution : I respectfully request the Consumer Financial Protection Bureau to investigate this matter and assist in securing the prompt return of my {$3800.00}. Additionally, I urge the CFPB to ensure that Chime reviews and improves its dispute resolution processes to prevent similar issues for other consumers. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I signed up for an online account with Experian to freeze my credit. After signing up for this account, Experian continues to send me unsolicited marketing messages with no opt-out mechanisms. 

A sampling of these emails include : " Your monthly account statement is here, [ name ] '' - XX/XX/XXXX, XX/XX/XXXX, and previous months " [ name ], check out XXXX update to your credit report '' - XX/XX/XXXX I have attached copies of some of the relevant messages. 

These messages contain the footer " This email contains important updates related to your account '' and do not offer an unsubscribe link or similar method to manage future notifications. On my Experian online account, I have opted out of all marketing communications that I have control over, but have continued to receive these emails. 

Per a XXXXXXXX XXXX order XXXX Experian is expected to provide an opt-out mechanism for marketing messages. As noted by the XXXX, " The stipulated order enjoins Experian from sending commercial emails that do not provide notice that the recipient may opt-out of receiving such emails in the future or an opt-out mechanism. '' However, as of XX/XX/XXXX, it appears Experian has not complied with this order and I continue to receive unwanted emails.

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 2024-12-19 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Between the month of XX/XX/year> to XX/XX/year> Citibank decided to lower my available credit on XXXX of my credit cards from a total amount of {$1400.00} in available credit to {$0.00}. This therefore raised my percent of my credit card utilization from 78 % and 83 % to 97 % and 100 % relatively. Therefore affecting my overall credit score with XXXX and XXXX. When I contacted them I spoke to a manager to inform her of this happening and she had never heard of this happening to multiple accounts for XXXX person. Now the irony is they lowered my available credit due to my balances on my revolving accounts are too high in relation to those credit lines. Which they have lowered each of those accounts before but not at the same time. Plus they lowered another account by {$3600.00}. ( It went from credit of {$7000.00} to {$3300.00} ). All my payments have been on time and I have paid over the amount of my month payments too.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax data breach caused my personal information to be exposed unlawfully and as a result my identity was stolen and resulted in fraudulent accounts be opened in my name and as a result i have suffered financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: IL

Complaint narrative:
Ive identified unapproved hard inquiries on my credit report that harm my score. Please remove these errors in accordance with 15 USC 16c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-19 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-12-19 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: OH

Complaint narrative:
In reviewing my credit report, I came across errors, especially regarding late payments, which do not match my usual payment pattern. Please revise these inaccuracies.

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 2024-12-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are accounts on my credit report that I did not authorize, which may be linked to identity fraud. I request that these accounts be blocked and removed.

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 2024-12-19 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: Security Credit Services, LLC
State: LA

Complaint narrative:
In response to CFPB complaint - XXXX - XXXX My name is XXXX XXXX XXXX, a federally protected consumer, and Iam making this complaint against XXXX XXXX XXXX XXXX for violating a cease and desist notice they received and for continuing to invade my individual privacy by committing abusive deceptive and unfair debt collection practices. 
I have attached a debt validation letter, a cease and desist notice. Exhibit A which is a copy of the reporting on my XXXX XXXX report, Exhibit B which is copy of their response to CFPB complaint - XXXX - XXXX ) and a pdf of an FTC report that will be labeled as exhibit C when filing for litigation in XXXX XXXX to this complaint. XXXX XXXX XXXX XXXX Stated Enclosed are the documents validating the account But I never contracted with them and they have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c ). I have not validated any alleged debt with XXXX XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. XXXX XXXX XXXX XXXX Stated XXXX XXXX purchased the account from XXXX FED on XX/XX/year> As of XX/XX/year>, I have not received any documentary evidence, such a trilateral contract, XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt. Its is my belief that XXXX XXXX XXXX XXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. XXXX XXXX XXXX XXXX XXXX, Stated This account was originally opened with XXXX Fed XXXX for a Visa Credit Card, Please see attached statements showing purchases on account I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX, before they committed multiple violations Under the FCRA and FDCPA by furnishing this alleged debt to my consumer report. If XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please remove those inquiries from my credit report since it affects my score. I have not consulted anything. I owe you any information. Call me first. My name is XXXX XXXX. My phone number is already XXXX I denounce that they are making inquiries with my document. I have a police report. I lost some documents and I think they are trying to get credit with my information.

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