vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: WA

Complaint narrative:
I called chime to file a dispute on my account. They filed multiples and then closed my accoun5 after I asked for documentation of these disputes. I was contacted by XXXX and was told that chime disputed a charge for XXXX and wanted their payment. I told them chime already paid it back in XXXX. Since Chime closed my account without valid reason, I can't access anything to see where that money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
This complaint is regarding the debt collection agency, Hunt and Henriques. 

XXXX XXXXXXXX XXXX XXXXXXXX sent my debt to Hunt and Henriques. They already came to my house and harassed my parents a few times about " coming back to knock on my door for debt ''. Under Fair Credit Reporting Act they are not allowed to harass third-party for debt and only contact me. 

In addition, when I contact them to resolve my debt, they do not respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NJ

Complaint narrative:
The XXXX account listed on my credit report, which has been reported with a charge-off status. I have reviewed the information furnished to Experian and, based on Metro 2 reporting guidelines, request the removal or correction of this entry to ensure compliance with all reporting requirements. My account information is as follows : Account Name : XXXX Account Number : [ Account Number ] Date Opened : [ Date Opened ] Original Charge-Off Amount : [ Charge-Off Amount ] Upon review, I believe that the current reporting on my credit file may not fully adhere to the required Metro 2 reporting standards for charge-off accounts, particularly regarding Account Status Code 97, as outlined below : Metro 2 Compliance Review Points : For accurate reporting under Metro 2 guidelines, Experian is required to verify that the following fields for accounts with an Account Status Code of 97 ( Unpaid Balance Reported as a Loss Charge-Off ) meet compliance : 1.Scheduled Monthly Payment Amount : This should reflect a XXXX balance, as no ongoing payments are due on the account after the charge-off event. 

2.Account Status : It should clearly show Code 97 to indicate an unpaid balance reported as a loss. 

3.Original Charge-Off Amount : The original amount charged off must remain consistent and should not fluctuate, regardless of any changes in the accounts balance. 

4.FCRA Compliance/Date of First Delinquency : This should accurately reflect the date of the first 30-day delinquency that eventually led to the accounts charge-off status, in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines for the Date of First Delinquency ( DOFD ). 

5.Date Closed : For Revolving, Open, and Line of Credit accounts ( Portfolio Types R, O, and C ), if the account was closed to further purchases, the date the account was closed must be reported. If the account was not closed to further purchases, this field should reflect a XXXX  6. Date of Last Payment : This field should accurately represent the date the most recent payment was received on the account.substantiate Based on these guidelines, I kindly request that Experian verify and substantiate the following : Confirm and substantiate that Account Status Code 97 is correctly reflected with a XXXX Scheduled Monthly Payment Amount. 

Verify and substantiate that the Original Charge-Off Amount is accurately listed and has not been modified. 

Ensure the Date of First Delinquency ( DOFD ) is correctly reported as the first instance of 30-day delinquency, which led to the accounts charge-off status. 

Update the Date Closed field, if applicable, or confirm and verify that it is XXXX-filled if the account was not closed to further purchases.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-11 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: CORELOGIC INC
State: SC

Complaint narrative:
ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF HUMAN TRAFFICKING THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO HUMAN TRAFFICKING. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE

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 2024-11-10 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: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
I started getting phone calls from Sunrise Credit Services. I was getting 3-4 calls per day. I answered and they were asking for a credit card to pay a debt. I asked them to send a statement so I could figure out who it was. They said they already sent it and I needed to pay. I asked them 4 different days to send a statement and they said they would and never did. A lady called who was very rude. I told her to send a statement and she said they already did and this was going on my credit. I checked my Credit last month and they are reporting it to all 3 bureaus. They did not validate the debt, there is no agreement and they called me over 30 times without my written consent. I am on the Do Not Call list and have been for 12 almost 10 years. 

Again, there was no agreement. They could not produce the Bill of sale, chain of command and would not even send a statement.

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 2024-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC
State: KY

Complaint narrative:
Name : Fairway capital recovery LLC Amount : {$120.00} Date : XXXX XX/XX/year> Out of nowhere Ive seen this on my credit report since then it never goes away, I got no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IN

Complaint narrative:
Under 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX  and before XXXX oclock XXXX, local time at the consumers location ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander Consumer USA wrote off the balance of this credit sale, ( which is reporting as an installment loan ). This balance reported as late long after the property was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
CREDIT REPORTING COMPANY- EXPERIAN REOVE IMEDIATELY I am writing to formally request the immediate removal of the following inquiries on my credit report, as I have no knowledge of these inquiries and did not authorize them. These entries appear to have been made without my consent and are negatively impacting my credit score. The unauthorized inquiries are as follows : XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my report immediately.

If these inquiries are not removed promptly, I will consider further action to protect my credit profile. Thank you for your prompt attention to this matter. 

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 2024-11-10 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: MS

Complaint narrative:
Sent in Disputes for accounts reporting on my consumer report inaccurate information. I requested deletion of each account. These accounts are unverified and are a violation of the FCRA because they are still reporting on my consumer report. ( XXXX and XXXX XXXX ) are the accounts that are inaccurate in reporting and must be deleted 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Please make a thorough investigation on the following : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Former : XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX Date of Birth : XXXX Previous Address ( es ) : 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 2024-11-10 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: MS

Complaint narrative:
Sent in Disputes for accounts reporting on my consumer report inaccurate information. I requested deletion of each account. These accounts are unverified and are a violation of the FCRA because they are still reporting on my consumer report. ( XXXX XXXX XXXXXXXX XXXX ) are the accounts that are inaccurate in reporting and must be deleted 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This account continues to report on my credit reports after I have asked this company nicely to remove and delete from my credit reports due to the inaccuracy of the information. XXXX : 15 USC1681. The dates closed are different as well as additional information on this 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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, XXXX, XXXX has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file.

Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-10 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
On my credit report it states that the original credit is XXXX XXXX and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
On my credit report it states that the original credit is XXXX XXXX and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: E MORTGAGE MANAGEMENT, LLC
State: NJ

Complaint narrative:
There are XXXX late payment appearing on my credit report that are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are 3 late payment appearing on my credit report that are incorrect. 
XXXX XXXX  consumer credit 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 2024-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: GA

Complaint narrative:
My identity was stolen and fraudently used to open this account please take is off of my credit according to the Identity Theft and Assumption Deterrence Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NV

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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