vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Inc.
State: MO

Complaint narrative:
I send money to XXXX XXXX with a XXXX  number XXXX using XXXX  amounting {$85.00} or XXXX pesos in XXXX peso last XX/XX/XXXX. And it was a successful delivery to their account according to XXXX  because it showing delivered but then when i transfer the funds its not showing any sendwave transaction to my recipient statement of account there is a XXXX pesos deposit but from XXXX XXXX. She needs a confirmation if this is the money i send her because she doesn't acknowledge as my transfer because its not showing sendwave. Because of this i want my money back. I file a dispute to my bank but it didn't go thru. Im asking to dispute the transaction thru XXXX  but then im having a hard time filing that with them. I need my money back if my recipient do not acknowledge my transfer. Thank you. 

I attach my receipt from XXXX  and i attached my recipient screenshot showing a XXXX  XXXX  deposited XXXX. I need and she needs confirmation if that XXXX is my transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Marcadis Singer PA
State: FL

Complaint narrative:
MARCADIS SINGER PA, On XX/XX/XXXX, in CFPB complaint ID XXXX, you stated : " We sent validation with a bill of sale to the consumer on or around XX/XX/XXXX, and again on or around XX/XX/XXXX. We will mail these documents again to the debtor 's address listed. '' This statement is false and misleading. 

The documents you provided fail to prove ownership of the alleged debt. I specifically requested the " chain of title '' and proof that the debt was assigned to Marcadis, but you failed to provide it. A proper chain of title is required to establish admissible documentation that shows the debt buyer owns the specific debt in question, with no breaks in the chain. 

On XX/XX/XXXX, I received the same documents you claimed to have previously sent. These documents still do not include the requested chain of title, which proves your inability to substantiate your claim. It is clear that Marcadis Singer PA and XXXX XXXX are running a scheme to mislead and deceive me. 

Your failure to prove ownership of the debt, your invasion of my privacy, and your failure to cease and desist pursuant to 15 U.S.C. 1692g ( b ) and 1692c ( c ), among other violations, constitute violations of the FDCPA and FCCPA under Florida Statutes 559.72 ( 6 ), Florida Statutes 559.72 ( 7 ), Florida Statutes 559.72 ( 9 ).

Through this notice, I revoke my consent to any agreements or obligations to pay this alleged debt. Your actions have been unfair and deceptive, and you lack standing to sue me. I refuse to pay this debt.

Let the record reflect that neither Marcadis Singer P.A. nor XXXX XXXX has ever produced a valid chain of title. This is your opportunity to act in good faith and with clean hands. I demand that you : 1. Dismiss all claims against me.

2. Waive the remaining balance of the alleged debt.

3. Return the {$800.00} you unlawfully collected from me through your unfair and deceptive practices. 

Failure to comply will leave me with no choice but to pursue legal action against all parties involved, including agents, representatives, and lawyers, to recover damages caused by your negligent and deceptive actions. 

This is a communication from a consumer disputing this debt for settlement purposes only. Any statements or documents you provide as proof of ownership will be used for that purpose. 

Thank you for addressing the seriousness of this matter. Your continued failure to provide ownership proof or resolve this issue appropriately will result in further action in Federal Court. 

Sincerely, XXXX XXXX XXXX rights reserved without prejudice UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX 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 2024-11-25 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX 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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - Please verify the manner in which you are reporting this account. I have contacted the Attorney General 's office, XXXX, XXXX XXXX, and PACER, and they have stated that they did NOT report to any credit agencies. - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

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  That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - Please verify the manner in which you are reporting this account. I have contacted the Attorney General 's office, XXXX, XXXX XXXX, and PACER, and they have stated that they did NOT report to any credit agencies. - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

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  That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.

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 2024-11-25 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: SC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. 
Fraudulent accounts have been added to my credit report without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be immediately blocked and deleted from my credit file : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach, Credit Acceptance on XX/XX/XXXX under the account number ( XXXX ), an inquiry for XXXX XXXX XXXX on XX/XX/XXXX, an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX, an inquiry for XXXX XXXX XXXX XXXX XX/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 monetary relief
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I was denied an apartment because of my incorrect information on my credit report at equifax. I was not provided an adverse action notice from the rental office until my attorney made a call to find out why denied, I was just told I had committed fraud. I was not provided any time to correct the inaccuracies on my report. Equifaxs records have my ssn attached to someone else who is now deceased. Please let me know if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN****** Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX UNIT XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Open Balance {$140.00} DEPT OF ED/XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2000.00} DEPT OF ED/XXXX  Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Open Balance {$1200.00} DEPT OF ED/XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$1200.00} DEPT OF ED/XXXX  Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Open Balance {$2000.00}

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
XXXX Sent Company letter requesting Validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX, XXXX & XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: MI

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
Consumer complaint received 2024-11-25 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: MI

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 explanation
Consumer complaint received 2024-11-25 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: MA

Complaint narrative:
I was reviewing my credit report recently and noticed an account that wasnt reported accurately. Have 2 late payments on an account that was paid on time at the time that was supposed to be paid. Consumer reporting agencies need to report information with complete accuracy. 
This account never been late on payments. Account is currently closed at my request. But the late payments still remains on my credit report. Im nowrequesting that you investigate and provide verifiable proof with records showing i had these late payments. If this information cant be verified i demand theses payments be updated to paid on time inmediately. Thank you for your understanding and promp action.

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