vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to submit a formal complaint regarding unauthorized inquiries appearing on my Experian credit report. I request your assistance in addressing this matter and ensuring that these inquiries are promptly removed, as they are in violation of my rights as outlined by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX, I discovered multiple inquiries from entities with whom I have never engaged in any business or authorized to access my credit information. These unauthorized inquiries have negatively impacted my credit standing and potentially compromised my personal information. As a responsible consumer, I took immediate action to rectify this situation. 

I contacted Experian and requested the removal of these unauthorized inquiries from my credit report. However, despite my repeated efforts and the provision of supporting documentation, Experian has failed to comply with my request. Their refusal to remove these inquiries not only disregards my rights as a consumer but also undermines the integrity of the credit reporting system. 

According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports, including unauthorized inquiries. I have diligently followed the correct procedures and provided Experian with the necessary evidence to support my dispute. Nonetheless, Experian 's inaction and non-compliance have left me frustrated and concerned about the accuracy and reliability of my credit report. 

Therefore, I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I urge you to investigate Experian 's practices regarding unauthorized inquiries and ensure that they promptly remove these inquiries from my credit report. It is essential to uphold the FCRA 's provisions, protect consumer rights, and maintain the integrity of the credit reporting process. 

I would appreciate regular updates on the progress of the investigation and any actions taken to address this matter. Your commitment to consumer protection and your efforts to uphold fair practices in the credit reporting industry are crucial in resolving this issue effectively. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that safeguards my rights as a consumer and restores the accuracy and reliability of my credit report.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
I deposited my tax refund check into chime. They immediately closed my account for no reason. I received an email saying that there was a suspicious load. I have no suspicious loads I have never broken any user agreement they are stealing my money. I've tried to contact them several times with no results they keep sending me the same email asking for the same information. I have sent everything they have asked for and still no results. They are severely messing withy livelihood and credit. I just want them to reactivate my account as if it was never closed. They are also messing with my credit by closing the credit account they are providing something they are supposed to be helping me improve. Then by closing the account with no warning caused me to miss credit card payments on cards I've never missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: KS

Complaint narrative:
Collection company has been calling to collect a debt that we never owed. The loan was in my maiden name, years after I was married, to an account that had been closed 4 years prior. I contacted them back and requested information of where the loan originated. After being hung up on multiple times, we find out it was from a payday loan service XXXX We verified the email address hadn't been used since XXXX, and contacted the bank that the loan amount was deposited into. The account itself had been paid in full and closed since XXXX. This company is saying the loan was deposited into an account that had been closed 4 years on XX/XX/XXXX. We contacted back the collection company and explained how these dates didn't make sense, and that the birthday was in XXXX, I am XXXX. After raising these concerns that this was obviously fraud, the company said they would " investigate it. '' After several more calls and being hung up on multiple times, I was told they had already closed the account due to fraud. They are unwilling to help find where the loan originated from, and seem hellbent on protecting people who defraud the system and other people. Without being able to verify anything with TheNorthTrust.com, as the address is a home in Delaware, this almost seems like an internal phishing scheme, possibly on this debt collector 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed multiple accounts and have not gotten a response within 30 days. It has been over 90 days and TransUnion has not removed the items I disputed legally. They are under an obligation to remove all items that were not verified in 30 days. The accounts include : XXXX XXXX XXXX with a claimed last payment in XXXX of XXXX. With multiple errors on payment history and balance amount as well as multiple errors on the file. It was disputed in XXXX of XXXX It includes XXXX  XXXX XXXX showing a balance of {$270.00} and charged off on a secured credit card which does not carry a balance. It was disputed in XXXX of XXXX It includes a company name XXXX XXXX collections for which I have no contracts signed or any agreements with them to be able to report on my credit file. Disputed in XXXX of XXXX They did not file any response until XXXX. That is over 90 days of not investigating or removing items that are required by law. 
I disputed with transunion in multiple ways as well. I have sent multiple certified layers dating back to XX/XX/XXXX as well as XX/XX/XXXX and XX/XX/XXXX. Their failure to investigate and answer the dispute in 30 days is a violation of my rights.

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 2023-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: CA

Complaint narrative:
I have auto debt from XXXX XXXX XXXX in AZ. I was not able to pay for the car note so they came to repossess the vehicle. After they repoed the car a company named BHK Financial in AZ started contacting me about the debt and repaying the amount. At first, I started paying what I could which was about {$100.00}. After the pandemic hit I was not working ( BHK was notified ) and I couldn't pay for a few months. 5-6 months went by and they contacted me asking if I was able to find employment. I let them know that I did find a job and that I was willing to continue payments. However, after a month or so, the representative called and told me that they needed more money to close the file and that their " client '' ( XXXX XXXX XXXX ) will not accept my small payments. He told me I needed to start paying {$1000.00} a month to close my file. After I told him I was not able to pay that much he let me know that their client will take legal action to get all the money from me ( and the lawyer fees ). After that conversation, I decided to stop sending payments and find help ( found CFPB ). Since that time I have contacted BHK to make another payment on that account. They let me know that their client may not accept my payment as they are looking to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
XXXX ( Bank ) : XX/XX/XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX XXXX  XXXX ( Bank ) : XXXX XXXX, XXXX XXXX XXXX ( Finance ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX XXXX XXXX  ( Finance XXXX : XX/XX/XXXX XXXX XXXX ( Miscellaneous ) : XX/XX/XXXX XXXX XXXX ( Bank ) : XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) : XXXX XXXX, XXXX I sent certified letters to TransUnion multiple times even called in to verify. TransUnion still hasnt removed the inaccurate information from my report this includes mostly hard inquiries and one collection. 

XXXX XXXX XXXX for {$220.00} must be removed with all unauthorized hard inquiries. 

Instead of removing the inaccurate data. TransUnion made an excise that I was not the individual mailing in certified letters and that they needed to verify me. This is unacceptable update my report.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX  XXXX  and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
On XX/XX/XXXX a credit card was opened in my name, With XXXX XXXX.That I had no idea that it was on my credit report, this account was opened for 2 years until the payment stopped until I went to purchase a home and was required to go to credit counseling for unresolved issues.This is when the matter comes up in XXXX of XXXX, advised by the credit counselor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told us to get a copy of the judgement that went to court in XXXX of XXXX! upon getting the info and contacting Jacob Law Group, I filed a police report and faxed it over to them and they are going to proceed with the garnishment back as stated from XX/XX/XXXX!! My credit advisor advised me that the statue of limitations is 3 years in Mississippi and that they could not garnish his wages.and I was advised to contact to you for solutions.I tried to pay the debt as well, so that I can proceed in my home purchase and try to retain a lawyer later if wrong doings or involve, but Jacob Law Representative said they could not provide proof of the payment until 30 after being paid.Balance of credit card statement is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

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.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for not allowing me to dispute unauthorized hard inquiries on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure TransUnion upholds its obligations as a consumer reporting agency. 

I discovered unauthorized hard inquiries on my credit report on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX, These inquiries were made by entities with whom I have never done business or authorized to access my credit information. In accordance with the FCRA, I promptly contacted TransUnion to dispute these unauthorized inquiries and have them investigated and removed from my credit report. 

However, TransUnion denied my request to dispute these unauthorized hard inquiries, stating that they were ineligible for investigation. This denial contradicts the provisions of the FCRA, which grant consumers the right to dispute inaccurate or unauthorized information on their credit reports. As per Section 611 of the FCRA, I am entitled to have these inquiries investigated and, if found to be inaccurate or unauthorized, removed from my credit report. 

Despite my attempts to resolve this matter with TransUnion 's customer service representatives, providing evidence of the unauthorized inquiries and emphasizing my rights under the FCRA, they have remained dismissive and non-compliant with the law. This disregard for consumer rights raises concerns about the integrity of TransUnion 's practices. 

Therefore, I kindly request the Consumer Financial Protection Bureau to investigate TransUnion 's practices regarding unauthorized hard inquiries. Their refusal to comply with the FCRA not only infringes upon my rights but also sets a troubling precedent for other consumers in similar situations. 

I appreciate your attention to this matter and request regular updates on the progress of the investigation. I have confidence in the Consumer Financial Protection Bureau 's commitment to consumer protection and ensuring fair practices within the credit reporting industry. 

Thank you for addressing this complaint promptly and protecting consumer rights.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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