vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. This account, issued by XXXX XXXX XXXX  with account number ending in XXXX, was opened on XX/XX/year>, and shows a balance of {$3800.00}. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I am requesting a thorough investigation into the accuracy and completeness of this charged-off account. If you can not verify the account details with complete supporting documentation, I am requesting the removal of this account from my credit report. 

Additionally, Section 623 of the FCRA mandates that data furnishers must ensure the accuracy of the information they report. This includes updating or removing any items that can not be fully substantiated or verified. 

Please initiate an investigation and, if XXXX XXXX can not provide adequate verification, promptly delete this charged-off account from my credit report. Enclosed with this letter are copies of my ID and any other supporting documents needed to process my dispute. 

Please inform me of the results of your investigation in writing within the required 30-day period. 

Thank you for your attention to this matter and for ensuring my credit report is accurate and up-to-date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to access my Equifax report via XXXX  I received an error page when doing so with an error code of XXXX  and a phone number to contact. When I called the number, I was told I had to mail in verification documents and that there was no online portal. 

During a routine XXXX search to attempt to find a form, as well as a cover letter template for issues related to error code XXXX I discovered a internet forum that discussed the issue ( XXXX XXXX XXXX XXXX ) which leads me to believe that mailing in my verification documents would be ultimately fruitless. 

Other links on the internet seem to support this conclusion as well, which I will link below this paragraph. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I will indeed do this as a formality, there appears to be evidence to indicate that this company does not operate in good faith and is notoriously bad at updating consumer information. The internet XXXX XXXX seems to extend as far back as XXXX and is likely a familiar issue for the CFPB. 

It is also possible that a legal name change in XXXX has caused an issue with this credit bureau, and no other. To this end, I have attached not only the requested verification documents ( XXXX XXXX XXXX ) but also a copy of the certified court order granting me my name change. Copies of my Driver 's License, last XXXX XXXXXXXX XXXX statement, Passport, and Social Security are also attached to this complaint. 

I trust this is sufficient information for the CFPB to produce a fair resolution to this issue. Thank you. Take care and be well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of several hard inquires such as : XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. These inquires have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I had a credit karma account that I closed due to fraud. I closed my XXXX XXXX account months ago however they are reporting that I made XXXX on time payments and then reported that I missed a payment that cause my score to drop XXXX points with XXXX and negatively impacted my others. I have proof that I have never made any payments to any credit builder account it was closed then credit karma fraudulently reported good and bad. I have never made a payment to credit karma for anything! I cancelled this in XXXX when I no longer had direct deposit going to credit karma. Credit karma fraudulently reported that I made on time payments that I never made. When I realized what was going on I called again to tell them on a recorded line that I have never made a payment because it was canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a credit karma account that I closed due to fraud. I closed my XXXX XXXX account months ago however they are reporting that I made XXXX on time payments and then reported that I missed a payment that cause my score to drop XXXX points with Experian and negatively impacted my others. I have proof that I have never made any payments to any credit builder account it was closed then credit karma fraudulently reported good and bad. I have never made a payment to credit karma for anything! I cancelled this in XXXX when I no longer had direct deposit going to credit karma. Credit karma fraudulently reported that I made on time payments that I never made. When I realized what was going on I called again to tell them on a recorded line that I have never made a payment because it was canceled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified the following items to be inaccurate. I disputed these items and I disagree strongly with the results. Please provide how this information was validated as required by 15 USC 1692g. Validation of Debt. 

XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXXVERIFIED AS REPORTED XXXX XXXX XXXX XXXXVERIFIED AS REPORTED XXXX XXXX XXXXDELETED XXXXXXXX XXXX XXXXDELETED XXXX-VERIFIED AS REPORTED Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
My deposits and withdrawals were frozen and and put on hold for a very long time and still havent received any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: GA

Complaint narrative:
After several attempts to dispute the accuracy of ACCOUNT- XXXX XXXX XXXXXXXX XXXX Transunion has replied that the account is verified. I requested their method of verification on ACCOUNT- XXXX  XXXX XXXX XXXX and they failed to supply any documents or information supporting the alleged verification.

ACCOUNT- XXXX XXXX XXXX XXXX is reporting inconsistent open dates across all three bureaus ( XXXX, XXXX, and Transunion ) so how was this information properly investigated and 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 an 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I want the CFPB to publish this description on consumerfinance.gov so that others can learn from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was charged multiple fees for a payment that was never returned. 

I attempted to pay CitiBank early in the amount of {$100.00}. 

When I checked my account, they processed my payment for {$100.00}, but then charged me {$100.00} for a returned check and also a {$30.00} late fee. 

Also, I was charged interest in the amount of XXXX for transactions that have since been removed from my account so this needs to be rolled back as well.

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 2024-11-10 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there 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 shall-i ) 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 modifed or deleted from the file of the consumer. I Please remove the following items from my credit report, immediately : 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there 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 shall-i ) 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 modifed or deleted from the file of the consumer. I Please remove the following items from my credit report, immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I do not recall this account. This is identity theft. Where is the detailed purchases? Please provide the following : Re : Account Number : XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt associated with the account number referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate the debt and provide the following information to confirm its accuracy : 1. The name and address of the original creditor.

I request clear identification of the original creditor and the full legal name under which the debt originated.

2. A full itemized statement of the debt, including the total amount and how it was calculated.

This should include any interest, fees, or other charges that have been added since the original balance, along with a breakdown of these amounts.

3. A full detailed list of the payment history on this account.

Provide all payments made, including the dates of payments and how each payment was applied ( i.e., principal, interest, fees, etc. ).

4. A copy of the original signature that I agreed to on the contract for this creditor.

I request a copy of the signed agreement or contract that establishes the original debt.

5. Proof that you have the legal right to collect this debt ( Chain of Title ).

Please provide the complete chain of title for this debt, including any and all transfers of ownership or assignment to your agency, demonstrating that you have the right to collect this debt.

6. Has any insurance claim been filed related to this debt?

Please inform me if there has been an insurance claim filed on this debt, and if so, provide details regarding any payments or settlements received by the original creditor or other entities related to this claim.

7. Verification that the statute of limitations for this debt has not expired.

I request confirmation of the date this debt was incurred and assurance that the statute of limitations has not expired. 
In accordance with the FDCPA, you must cease all collection efforts until this debt is fully validated. If you are unable to validate the debt, I request that you correct your records accordingly and cease any further communication regarding this account. 
This letter is not a refusal to pay, but a request for proper validation of the debt. I will need at least 30 days from receipt of your response to review and investigate the information provided. 
Please send your response to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My former property manager XXXX XXXX XXXX attempted to illegally evict me, but I won the original eviction case. They violated additional laws, including the North Carolina Residential Rental Agreements Act, the North Carolina Security Deposit Act, and the North Carolina Unfair and Deceptive Trade Practices Act, by failing to provide a statement at the end of my lease and mishandling the return of my deposit. During the proceedings, I paid the alleged debt amount to the court in the form of rent bonds. Despite this, a year later, they continue to harass me with this alleged debt. After requesting validation of the debt, my credit has suffered due to their deceptive business practices. My legal representation throughout this predatory process was the Legal Aid of North Carolina, and there is public record of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM IN DISAGREEMENT WITH THE ACCOUNTS LISTED BELOW WHICH STILL APPEAR ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. THESE ACCOUNTS APPEAR TO BE OPENED WITH INACCUATE PERSONAL INFORMATION AND NOT MINES. 

TRANSUNION : XXXX : ACCOUNT NUMBER XXXX TRANSUNION : XXXX XXXX : ACCOUNT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611. PLEASE PROVIED THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED ABOVE SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR INVESTIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello! I have been getting charged every month from an unknown fraudulent company. The charges state that they are XXXX Autopay Credit Card fees. I do have a XXXX  credit card, but they did not come from my account. The charges are mostly {$35.00}, which is the minimum amount required for autopay. I have verified with XXXX that they did not charge me. Now, my account keeps getting charged despite not having anymore money in the account. This is how I was made aware of the scam and keep getting notifications in the mail for overdraft fees that I can not stop.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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