vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I received a decision in my XX/XX/XXXX XXXX late dispute, attached. CFPB XXXX XXXX XXXX XXXX XXXX concluded that the reason for being reported late is that a late fee was taken out of the regular monthly payment of {$530.00}. 

Late fees have been on my account starting in XX/XX/XXXX. And those late fees were carried over, month after month, for 2 years with no attempt to deduct them from my regular monthly payment. Then in XX/XX/XXXX you decided to take the late fee out of my payment. The XXXX XXXX monthly statements are attached showing the late fees being carried over month after month for years! 

I never received any notification that in XXXX they arbitrarily decided to collect the late fee. 

It was reasonable for me to assume that the late fees would be carried over and then collected at the end of the lease. 

Why would you carry over the late fees for 2 years and then take it out with no warning. 

I was calling XXXX XXXX every month for past 6 months to extend my lease. They told me every month that my account was fine.

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 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM has placed a collection on my credit profile with out my knowledge i called the company in the matter a they told me to file a identify thief report. i have sent them a debt validation and got no response. this collection has hurt my family from getting funding for our first home. please correct this matter ASAP. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT As you have failed to provide the aforementioned documentation to validate your claim, I hereby give you 15 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. 

Failure to address these concerns or engage in good-faith negotiations may result in legal action to protect my rights and interests as a consumer.

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 2024-10-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2024-10-30 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: GA

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-30 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: GA

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On Monday, XX/XX/XXXX I requested a check from the Chime Banking app to be sent to someone for the amount of {$6400.00}. The funds were immediately deducted from my account. The check was sent in the mail the following day on Tuesday XX/XX/XXXX. The receiving party received the check on Wednesday XX/XX/XXXX and deposited the check into their account. Their bank flagged the check as returned on Monday XX/XX/XXXX. After multiple attempts reaching out to chime about this they were not able to provide me with any information as to where the money went. I have been fighting with them on this for over 2 months now with zero progress. All they keep telling me is that the check was " cashed '' which in fact it was not. I have documentation from the receiving party 's bank showing that the check was returned on XX/XX/XXXX. I submitted this to chime and they sent me documentation showing where the check was deposited which I already knew. The check was issued from XXXX  XXXX XXXX, clearly listed on the check, through XXXX XXXX. I went to a local XXXX  branch to speak with the branch manager about tracking down this money and luckily spoke with an account executive named XXXX. She spent approx. 48 hr backtracking through the account to see where the money was. She called me back to inform me that the check was indeed returned and that either Chime or XXXX XXXX has the money. She stated that the money should have been returned to my account however it was not. I am not sure if there is some type of fraud going on with this or someone is lying to me, however, I am now being sued by the receiving party for the total amount. {$6400.00}. I have never felt so helpless in this matter because I can not seem to make any progress resolving this between the two banks and can not afford to just dish out {$6400.00} for absolutely nothing. PLEASE HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-30 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems , Inc wrote to us in XXXX of this year about a debt that they bought from a company called XXXX XXXX XXXX XXXX. We submitted a debt validation to National Credit Systems , Inc 1. asking them for their license to collect a debt in the State of Florida XXXX XXXX. Validate debt XXXX. Provide the original contract with my wet ink signature 4. Has an insurance claim been filled on this alleged debt 5. Provide the accounting ledger in accordance with XXXX XXXX Now XXXX is threatening to report fraudulent unveried alleged debts to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Tracking debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605cofthe Fair Credit Reporting Act. I am a victim XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following information : XXXX XXXX XXXX reported XX/XX/XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX, XXXX DEPARTMENT OF EDUCATION XXXX opened XXXX XXXX, XXXX, inquiry XXXX XXXX Bank inquired XX/XX/XXXX, inquiry XXXX inquired XX/XX/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 2024-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
This debt is fraudulent. I have already supplied this company with several documents of police reports, FTC reports on this debt due to identity theft. No one ever Called me back from this company from XXXX after I submitted everything they requested. The XXXX XXXX detective even called them to get this situation cleared up. They now have submitted yet another collection on my credit report and never once called me to say they needed something in addition to the 70 plus pages I sent them. 
This company is ruining my credit when I have been the victim of credit theft, and I have proven that to them in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM WRITING IN REGARDS TO THESE INACCURATE ACCOUNTS BEING REPORTED TO MY CONSUMER REPORT, ITS BEEN OVER 30 DAYS I HAVEN'T RECIEVED ANY CORRESPONDANCE FROM THE CREDIT BUREAUS IN QUESTION THIS IS A VIOLATION AND CLEARY SHOWS THE CRA 'S DOES NOT UPHOLD THE LAW THERE CLEARLY MAKING THEIR ON RULES BY KEEP FRAUDULENTLY REPORTING THESE ACCOUNTS

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 2024-10-30 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: MI

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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
Recently, I became aware that child support information has been included in my credit report and/or public records. This information was shared without my consent and is unrelated to any credit inquiries or transactions I have authorized. The disclosure of this information has had a negative impact on my credit profile and potentially exposed sensitive personal data that should have been protected. 

According to 15 U.S.C. 1681b, consumer reporting agencies are only allowed to furnish information for specific and permissible purposes, none of which apply in this situation. Additionally, under 15 U.S.C. 1681s-1, government agencies are responsible for safeguarding consumer information, and I believe this obligation has not been met in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: AL

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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

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 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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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