vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
This is another attempt for XXXX XXXX XXXX  and several collection companies without any legal or signed documents. 

Previous complaints for the same NOT OWED DEBT ( that were previously removed from credit reports ) Previous complaint ID XXXX, XXXX, ( resolved ) Current complaint ID. XXXX XXXX ( current ) XXXX collection agencies involved with filing false reporting to all major credit agencies. 

( XXXX ) XX/XX/24 Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NY

Complaint narrative:
The first page of lease agreement provided by IQ DATA INTERNATIONAL INC in XX/XX/2022 to my home in XX/XX/XXXX does not even contain my NAME or address ( Attached ). Additionally, the lease agreement contains no monetary amount. The documents sent to me does not validate this debt therefore This debt has not been validated and must be removed immediately. 
I have been disputing an unauthorized debt collection on my credit report from IQ DATA INTERNATIONAL , INC account # XXXX for the past two years. Despite my efforts to dispute the validity of the alleged debt IQ DATA INTERNATIONAL, INC has continued to pursue collection activities and has placed the collection on my credit report. 
I did not authorize the account and provided evidence supporting my claim. The evidence included documentation of identity theft, a police report and proof that the NAME and address listed on the lease agreement provided by IQ DATA INTERNATIONAL , INC does not correspond to me and my residence. Additionally, the first and last page of the lease agreement provided by IQ DATA INTERNATIONAL INC does not state or contain any monetary amount as part of the alleged agreement. Nor do the email addresses associated with the electronic signature on the lease agreement coincide with my address and has the name of persons unbeknownst to me. I believe that IQ DATA INTERNATIONAL , INC has violated my rights under the FDCPA and FCRA and has engaged in unfair and deceptive practices by continuing to pursue collection activities without providing adequate proof of the debt 's validity and authenticity. I seek the removal of the collection from my credit report and cessation of all collection activities and reporting related to the disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying to remove the lates on these accounts as I've said that there has never been late on these payments with the accounts and the balances are reporting differently on bureaus they're not investigating it very well. They can not give me a fully accurate reporting might as well just remove the accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been trying to remove the lates on these accounts as I've said that there has never been late on these payments with the accounts and the balances are reporting differently on bureaus they're not investigating it very well. They can not give me a fully accurate reporting might as well just remove the accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently went over my credit report and i noticed fraudulent accounts on my credit report. Please remove this account as it is hurting my ability to obtain 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 explanation
Consumer complaint received 2024-06-16 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: LA

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY Experian has also refused remove an inaccurate address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not associated with me and because of the inaccurate information listed on my credit report it has left me vulnerable and has caused fraud inquires and accounts to appear on my credit report 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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXXExperian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian 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  In according with the Fair Credit Reporting act XXXX the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602 A. States I have rights 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.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I XXXX XXXX submitted a dispute with chime once a again for the XXXX time in a row XXXX unauthorized charges. Ive told them on countless occasions that I was a victim of fraud and they denied my dispute of {$2000.00}, for the pay to anyone on their app.they said they denied me based on history of transfers with the person but it was only that XXXX time that money was sent to that person. The location is different and I Ive never sent any money to that individual. Please help. Chime needs to be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to a XX/XX/year> visit to XXXX XXXX, an auto sealership, seeking financing for a vehicle. I completed an application for the vehicle with the understanding my credit file was to be pulled XXXX time for review, only to find out my personal information was shared with XXXX other financial institutions without my permissible authorization, that has equated to XXXX different inquiries reflected on my credit. My personal information was forwarded to the following institutions : 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 explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/year>, I discovered fraudlent charges on my Capital One account. I contacted Capital One, provided the necessary proof of residence documentation they requested. 

I filed a dispute, and in XXXX received a letter stating that my dispute was denied for the following reasons : " We received signed documents, dated prior to the date of my fraud claim, acknowledging this account is valid. '' " Information we discovered leads us to believe yuou or another account user benefitted from the transactions. '' " Activity on the account indicates you opened and interacted with the account. '' I asked for copies of the documentation used to fraudlently change my address, but they refused to supply it. 

I refuted the charges again in XXXX, however received no reply. 

I filed a report with my XXXX Police Department. 

Capital One has now reported my account as 30 days delinquent. Capital One not sent me any bill for this account since before the original dispute. 

I filed another dispute to this, but never received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently filed a dispute with Experian credit reporting agency about a discrepancy in my address that their company has on my credit file. The address is listed as XXXX XXXX XXXX XXXX XXXX, WI XXXX. This address does not belong to me and I sent in my identification to Experian several times already. Proving to them that my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. But Experian is neglecting their duties and are refusing to comply when it comes to correcting my credit report information. Which is a major violation of my consumer rights under the Fair Credit Reporting Act Section 623. I also attached my previous CFPB complaint results that I received from Experian on XX/XX/year>.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Pentagon Federal Credit Union shows up on my credit report as a revolving account. I have never opened any accounts with them and would like it removed from my credit report. 

Date opened : XX/XX/XXXX XXXX reported : 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 non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am the author of this complaint. I checked my credit report and noticed some inaccurate and fraudulent reporting that is limiting me from accessing credit. 

Title15 USC 6802 Opt-Out Letter According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given you whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 .

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as : XXXX Transunion XXXX Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the creditors to stop reporting and to delete the following account : 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 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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am the author of this complaint. I checked my credit report and noticed some inaccurate and fraudulent reporting that is limiting me from accessing credit. 

Title15 USC 6802 Opt-Out Letter According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given you whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 .

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as : XXXX XXXX Equifax Pursuant to XXXX XXXX XXXX I am officially exercising my right to opt out, effective immediately, and hereby instruct the creditors to stop reporting and to delete the following account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED )

Company response to consumer: Closed with non-monetary relief