vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed 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 2024-02-16 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2024-02-16 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FIRST PROGRESS CARD XXXX XXXX XXXX XXXX XXXX TN XXXX Dear FIRST PROGESS CARD, I am writing to address your [ letter or phone call ], as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ).

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation. 
Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery. 
Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention. 

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX 

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2.

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness.

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
A company named XXXX  is apparently hired byXXXX may also be XXXX, XXXX. I received a credit report from XXXX, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to XXXX, and they said that what XXXXXXXX XXXX is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that XXXXXXXX XXXX is reporting against me. As for dates, the first report from XXXX XXXX XXXX, was on XXXX, then there was one today, when I applied through the XXXX app, for a XXXX loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.

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 2024-02-16 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: FL

Complaint narrative:
A company named XXXX is apparently hired byExperian, may also be XXXX, XXXX. I received a credit report from XXXX, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to Experian, and they said that what XXXXXXXX XXXX is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that XXXXXXXX XXXX  is reporting against me. As for dates, the first report from XXXX XXXX XXXX, was on XXXX, then there was one today, when I applied through the XXXX app, for a XXXX  loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.

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 2024-02-16 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: LA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My credit was submitted to many banks without my consent. The dealership said they would review my credit internally but sent it to multiple banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: AZ

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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 XXXXXX/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 2024-02-16 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-02-16 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: PA

Complaint narrative:
In accordance with the fair credit act this creditors have violated my rights. Under 15usc1681 section 602 states I have the right to privacy 15usc 1681 section604 section 2 states a consumer reporting agencies can not furnish an account with out my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account Under a open in consumer credit plan as late for any purpose.

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 2024-02-16 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: NY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
My dispute is against the chime Bank I have a credit account and a debit account I had a party at my house Somebody went upstairs and went into my bedroom and stole my wallet and they also stole a small briefcase which had a tablet in it and a laptop in that briefcase had my PIN numbers and my banking information and credit card information from every company that I deal with the PIN numbers was not stored in my wallet if they only took my wallet they wouldn't have this information I filed a police report because on XXXX the XXXX at XXXXXXXX XXXX. {$500.00} was deducted from my debit card and from my credit account at a XXXX XXXX  I did not authorize anyone my wallet and briefcase was stolen I filed several disputes with chime Bank they returned the money from my credit card and said that the transaction was illegal however they refused to return the money from my debit card how can you say that one transaction is the illegal other one isn't when they were done at the exact same location at the same time by the same person who stole my wallet and briefcase I am a XXXX veteran I live on XXXX I have no other income I have bills that I can not pay because this money was stolen and my money is not being returned I asked for what information they use to deny my dispute and the only thing they have is the police report that I filed there's no documentation from the bank where this money was taken from at their ATM how come there's no photo of whoever did this I need my money returned they are refusing to return the money from the debit card but yet they return the money from the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: MN

Complaint narrative:
On the XXXX of this month, I went shopping at a supermarket and I used my Wise debit card to make the payment. However, just after I tapped my card on the XXXX machine there I found my card was charged {$47.00} but I was told by the cashier that the transaction was rejected and they showed me some written evidences about that. I contacted Wise immediately to ask them help solve that problem but they just told me they could do nothing about that. And at around XXXX yesterday I was informed by Wise that that {$47.00} was returned to my Wise account while the transaction was REALLY canceled 7 days ago ( on the XXXX of this month )! Its totally unreasonable and unfair to hold the money thats should have been returned to the customer once the relevant transactions was canceled. And till now Wise has never given me any reasonable explanation for that. 

The second problem is about my using my XXXX checking account offered by Wise to receive ACH transfer. On the XXXX of this month ( at about XXXX XXXX  ), I initiated a ACH transfer of {$500.00} to send money from my XXXX brokerage account to my Wise checking account operated by XXXX XXXX XXXX XXXX  and my broker sent that money out immediately after that, however till now I still havent received any money on my Wise account. And I have used such way to transfer money several times before but I always got the money from my Wise account no later than XXXX XXXX  on the next business day after the day when initiated such money transfer from my XXXX brokerage 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
Has not validated debt after being requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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