vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am tryuy upset at how the credit bureaus have allowed fraudulent accounts report on my consumer reports. This is not fair to me and my family as I am trying buy a house for my family and I can not do so because the negligence of the credit agencies allowing such accounts to be reported. I have wasted alot of my time with house shopping just to find out I have accounts thats not mines on my report. I take my credit very serious. So this is a defamation of my character and negatively impacting my livelihood. Please help me resolve these issues. I pay my bills on time. According to 15usc 1681 I, the credit bureaus should be in compliance and not neglecting my consumer report. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked 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 explanation
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 XXXX 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 2024-08-17 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:
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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-08-17 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: WA

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. 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-08-17 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: WA

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. 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 XXXX 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i reviewed a copy of my credit report and and i noticed a few accounts that i didn't apply for can you please look into this matter please

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i reviewed a copy of my credit report and and i noticed a few accounts that i didn't apply for can you please look into this matter please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Merrick, Costello & Walsh, LLC.
State: AR

Complaint narrative:
XXXX XXXX XXXX did not reply to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to agent is notice to principal notice to principal is notice to agent [ XXXX, XXXX, XXXX ] Put the name of the CRA you are addressing } } I sent a dispute in regarding inaccurate and incomplete information on my account { list Account here } and it has been over XXXX  days since you received my correspondence and you have not responded. 
This notice/ correspondence was sent certified mail green return receipt : { insert certified mail tracking number } it was delivered on { Put delivery date }. ( If you did not send certified mail that is okay just omit this part or you can attach your CFPB complaint number ) Information that can not be verified must be deleted. 
When disputed information can not be verified it is your responsibility to delete that information. In particular, Section XXXX outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section XXXX ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Section XXXX goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ XXXX ] it. XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Your Name _________________________________ Without Recourse XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-08-17 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: VA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) regarding a violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax, Credit Reporting Agency. 

On XX/XX/year> I obtained a copy of my consumer report and discovered that it contains inaccurate information regarding transactions that's listed on my consumer report with a XXXX check mark, and XXXX XXXX many jurisdictions, it's illegal for consumer reporting agencies to include certain types of payment transaction information in consumer reports. The Fair Credit Reporting Act ( FCRA ) in the United States, for example, regulates how consumer information can be collected and reported. It generally prohibits the reporting of information that is not relevant to creditworthiness, such as certain payment transactions. 


I have attempted to resolve this issue directly with Equifax Reporting Agency. I have been disputing for 6 straight months and Equifax refuses to cooperate with me about this matter. However, my efforts have not resulted in a satisfactory resolution. 

I am requesting that the CFPB investigate this matter, as I believe it is crucial to ensure consumer protection and compliance with the FCRA. Attached are copies of my consumer report, correspondence with the reporting agency, and any other relevant documentation that supports my complaint. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I WAS NOTIFIED BY MY ONLINE BANK CHIME BY MESSAGE AND ASKED IF I REQUESTED CODE NUMBERS. I CALLED ASAP AND THE GIRL WHO ANSWERED DIDN'T HAVE AN ANSWER TO HELP WITH THE ISSUE. WHEN I LEFT WORK I ASKED FOR A CALL BACK FROM MY CHIME APP AND I WAS CALLED BACK FROM THEIR CORRECT NUMBER. I WAS TOLD MY ACCOUNT WAS COMPROMISED AND THEY NEEDED TO TRANSFER MY SAVINGS TO A NEW CHECKING. THEY KNEW HOW MUCH WAS IN EACH ACCOUNT I HAD AND NEVER ASKED ME FOR ANY OF MY INFORTMATION. I WAS HESITANT AND LOST THE CALL BECAUSE OF SERVICE WHERE I WAS SO THEY CALLED BACK. WE WENT BACK AND FORTH SERVERAL TIMES AS CAN BE SEEN ON MY CALL LOG. THE NUMBER WAS ALWAYS THE SAME CHIME PHONE NUMBER. DURING XXXX OF THE CALL BACKS I HAD A VOICEMAIL LEFT FROM THE CHIME NUMBER STATING TO CALL THEM BECAUSE FRAUD WAS SUSPECTED AND IF I DIDN'T CALL BACK THEY WOULD PUT A HOLD ON MY ACCOUNT. I DIDN'T GET THAT RIGHT AWAY BECAUSE I WAS ON THE PHONE WITH THEM AT THE TIME... OR SO I THOUGHT. BUT SINCE I DIDN'T CALL BACK THEY SHOULD OF PUT A HOLD ON MY ACCOUNT TO PREVENT ANY FRAUD AS THEY SAID. I CALLED THEM ASAP WHEN I REALIZED WHAT HAPPENED AND THAT I WAS SCAMMED. THEY FILED A DISPUTE ALTHOUGH I KEPT TELLING THEM I WAS SCAMMED. I SENT THEM EVERYTHING I AM SENDING YOU AND THEY DENIED MY DISPUTE. I CALLED THIS MORNING AND ASKED FOR THE DISPUTE DEPARTMENT AND THEY REOPENED MY CASE. THEY TOLD ME THEY ONLY SHOWED XXXX CALLS BETWEEN ME AND THEM AND I INFORMED THEM THAT MY CALL LOG CLEARLY HAS SEVERAL CALLS TO AND FROM THEIR NUMBER AND MYSELF. MY MONEY IS SUPPOSED TO BE PROTECTED BY THE FDIC AND FROM FRAUD. IF THEY LOOK AT MY HISTORY THEY CAN SEE THAT I DON'T USE MY ACCOUNT LIKE THAT. THEY DIDN'T CALL ME OR ASK ANY QUESTIONS ABOUT ANY THING I SENT THEM. THEY TREATE IT LIKE I JUST SENT EVERYTHING I HAVE IN THE WORLD TO SOMEONE WITH THEIR COMPANY EMAIL ADDRESS. THIS WAS FRAUD AT ITS FINEST AND THEY STILL DIDN'T CLOSE MY ACCOUNT DOWN AFTER I FILED THE CLAIM. I HAD TO DO THAT. THEY DON'T SEEM TO BE CONCERNED THAT THEIR SYSTEM WAS HACKED. I LOST {$3000.00} TO THESE THESE SCAMMERS AND BY BANK IS TREATING IT LIKE I HAD A CRAZY MOMENT AND DECIDED TO GIVE MY MONEY AWAY. CHIME BANK IS BACKED BY XXXXXXXX XXXX. I HAVE NEVER HAD AN ISSUE WITH THEM UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TX

Complaint narrative:
Im not sure, it seems as though someone is using my personal information maliciously and without my knowledge. Perhaps a form of cyber harassment.

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 2024-08-17 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: ND

Complaint narrative:
Went on cash app after having someone send me money for a motel room since my car and belongings were stolen the night before. Bought, {$70.00} in bitcoin and all of a sudden my cash app was locked and I couldn't even transfer the bitcoin to my cash balance to get it out. They want me to vefiey with my id card but it was in my wallet in my car when it was stolen, they refuse to offer any other alternatives. That's all the money I have right now I need it. I have verified my identity several times already with my id it should be on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Cease and Desist Letter Regarding Alleged Debt To Whom It May Concern, I am writing in response to your attempts to collect a debt that you allege I owe to JEFFERSON CAPITAL SYSTEMS. After reviewing the information provided by your company, I have found that you were unable to furnish documentation of the Date of First Delinquency ( DOD ) for this account. Additionally, no agreement exists between myself and your company that would establish a legal obligation for me to pay this debt. 

In light of these issues, I am hereby requesting that you cease all communication with me regarding this alleged debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, under 15 U.S. Code 1692c ( c ), you are required to stop contacting me unless it is to notify me that further efforts to collect the debt are being terminated, or to inform me of specific legal remedies your company intends to pursue. 

Please be advised that if you continue to attempt to collect this debt without providing the necessary documentation, I will not hesitate to take legal action to protect my rights. 

This letter also serves as formal notice that any further communication from your company should be in writing and should be limited to legal notices as outlined above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed that this account is fraudulent. I would like to have this account removed due to is hurting my credit

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2024-08-17 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: MD

Complaint narrative:
I am disputing the inaccuracies reported on my credit report, asserting that your agency, as a nonaffiliated third party, has violated several federal statutes. 

Nonaffiliated Third Party Violations : XXXX. Your agency, as a nonaffiliated third party, failed to notify me of your information-sharing practices and did not provide an opportunity to opt out before sharing my nonpublic personal information ( XXXX  ). This is a violation of 15 USC 6802. 

XXXX. Financial institutions are required to protect the confidentiality and security of consumers ' XXXX. This is a violation of 15 USC 6801 ( b ). 

Reporting and Accuracy Violations : XXXX. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy of the information reported. This is a violation of 15 USC 1681e ( b ).

4. You are required to conduct a reasonable reinvestigation of disputed information. This is a violation of 15 USC 1681i. 

XXXX. Furnishers of information are required to provide accurate data. Your agencys failure to ensure the accuracy of reported information breaches this obligation. This is a violation of 15 USC 1681s-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: MD

Complaint narrative:
I am disputing the inaccuracies reported on my credit report, asserting that your agency, as a nonaffiliated third party, has violated several federal statutes. 

Nonaffiliated Third Party Violations : XXXX. Your agency, as a nonaffiliated third party, failed to notify me of your information-sharing practices and did not provide an opportunity to opt out before sharing my nonpublic personal information ( XXXX  ). This is a violation of 15 USC 6802. 

XXXX. Financial institutions are required to protect the confidentiality and security of consumers ' XXXX. This is a violation of 15 USC 6801 ( b ).

Reporting and Accuracy Violations : 3. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy of the information reported. This is a violation of 15 USC 1681e ( b ). 

XXXX. You are required to conduct a reasonable reinvestigation of disputed information. This is a violation of 15 USC 1681i. 

XXXX. Furnishers of information are required to provide accurate data. Your agencys failure to ensure the accuracy of reported information breaches this obligation. This is a violation of 15 USC 1681s-2 ( a ).

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