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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has committed identity theft, I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX XXXX thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and XXXX XXXX  is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX  in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX  who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called your department after I purchased a credit report with XXXX  dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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:
Hello, After disputing XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, After disputing XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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: World Acceptance Corporation
State: GA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1660B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chime regarding their handling of my fraudulent transaction disputes. Despite providing the necessary information, Chime has declined my disputes without valid proofs or reasonings for doing so. 

The fraudulent transactions in question occurred on my account on XX/XX/23 at a XXXX XXXX XXXX XXXXXXXX XXXX for {$45.00}. I reported this transaction to Chime and filed a dispute. Chime has declined my dispute without any valid explanation or evidence to support their decision. Their resolution has been to issue me a new debit card when I reported the fraud and then decline my dispute. Theyre evidence consistent of a receipt from the merchant along with the merchant clarifying that SOMEONE grabbed merchandise there but no proof of it being me. The merchant ( XXXX XXXX XXXX XXXX ) claimed to have checked video footage however if they did then it would be clear that I wasnt the one who purchased it. Furthermore, they provided no proof of me ( XXXX XXXX XXXX ) scanning my ID for the alcohol beverages that were bought with my card unauthorized. 

I have provided Chime with all the necessary details to support my disputes, including transaction details, and other relevant information that they needed for the dispute. I have also explained that I did not authorize this transaction and have no knowledge of it multiple times to them. 

Despite my efforts, Chime has failed to provide me with a favorable resolution regarding my disputes. This has caused me significant financial and emotional stress, as I am unable to retrieve my funds or resolve this matter. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Chime accountable for their failure to handle my disputes appropriately. I am also requesting that Chime refund the disputed amount IMMEDIATELY and take necessary measures to prevent any future unauthorized transactions on my account. 

Thank you for your attention to this matter. Below Ive attached pictures of chimes proof/ supporting documents for declining my claim as well as a screen capture of the charge Im referring to. 

Sincerely, [ XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It may concern, On XX/XX/XXXX  I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my credit score accurate for me and my family. I will attach documents from transunion, XXXX and XXXX  so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.

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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions. 

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION. 

They are also in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by Congress?? XXXX These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!

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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Why do they report my name wrong in this report. They have the wrong person in these accounts please use my correct name as my drivers license and social sec XXXX XXXX XXXX the other person is not me. Please REMOVE NOW *** Violation of My Rights under the FCRA and Failure to Provide Method of Procedure in Adverse Action*** I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Employer is not ; SSI Address is not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ 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 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: AZ

Complaint narrative:
See document attached

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 — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
This company didn't make an attempt to enable a timely dispute regarding the debt. As their phone number doesn't connect and there is no email address given, it is clear to me that this company wants to force a payment, regardless of if this debt is actually owed or not.

Company response to consumer: Closed with explanation