davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
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 (OK)

On XX/XX/XXXX, I sent {$10.00} to someone named XXXX XXXX through XXXX, He did not receive it, I searched for XXXX Customer Service phone number on XXXX. The following number popped up as XXXX XXXX customer service : XXXX XXXX XXXX. I called that number and believed I was talking to XXXX. I asked about the {$10.00} I sent to XXXX XXXX and the person on the line said, he needs to first confirm my identity. He asked me about Chime, XXXX and XXXX. I told him I have Chime and XXXX. He then proceeded to install a software called XXXX on my cell phone, He did a lot of transactions remotely controlling my phone quite fast without my knowledge, Later I found out he was buying XXXX  under XXXX XXXX XXXX, etc. I had {$700.00} in my Chime account and removed {$450.00} and $ XXXX under a name XXXX XXXX XXXX He also used a debit card I had at XXXX and withdrew {$480.00} and {$10.00} form XXXX XXXX  in XXXX ( XXXX XXXX XXXX ), even though I only had {$25.00} credit there. He called me from XXXX XXXX XXXX a total of 6 times. I answered to one or two calls. After this conversation, I realized that the person on the other line was a scammer. 
All along, I thought I was talking to XXXX. The person even asked to take a picture of my drivers license ( front and back ) and profiles of me ( left and right ). After I hung up, I realized that he was not part of XXXX. I immediately called Chime and told them about the problem of the {$700.00} he removed from my Chime account leaving me with a {$0.00} balance. I talked to their fraud department and asked for their help. They told me they can not do anything for me. I then went to our local XXXX Police Department and filed a report in person with XXXX XXXX XXXX ( XXXX XXXX XXXX ) She assigned a case number XXXX XXXX XXXX  to my case and recommended that I get new drivers license, report the incident to my banks, and take my phone to XXXX to wipe it clean from any XXXX. I followed her recommendations. I now have new checking and debit card numbers and froze my XXXX, XXXX and Chime accounts I would very much appreciate your help in resolving this issue.
Consumer complaint received 2023-10-22
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-22
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. (NJ)

In accordance with the FCRA this creditor, XXXX XXXX XXXX, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-10-22
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. (NJ)

In accordance with the FCRA this creditor, XXXX XXXX XXXX, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2024-03-15
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. (GA)

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. 
Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXAccount # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX-Account # XXXXXXXX Account Name : XXXX XXXX-Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and 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 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.
Consumer complaint received 2023-10-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im a victim of identity theft and I have been going back and forth with this company to resolve my claims, I have provided them with police report and identity theft report and other items that prove my roommate did these transactions.
Consumer complaint received 2023-04-12
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. (MI)

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account Number XXXX ( 2 XXXX XXXX XXXX XXXX XXXX account number XXXX ( 3 ) XXXX  Funding Account number XXXX ( 4 ) Online information service Account number XXXX
Consumer complaint received 2023-10-22
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. (OK)

According to 15USC1681A2AI- All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used.

Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be removed.
Consumer complaint received 2023-10-22
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXXXXXX XXXX is reporting the account XXXX as a debt.its not an account.Its is builded on a paid account paid to XXXX   account # XXXX paid {$750.00} on XX/XX/2015.Do XXXX XXXX have a court paper showing that when account was purchased and taken out of charge off.No its a paid charge off because I paid it XX/XX/2015.and XXXX XXXX need to move on off my credit reports.If you remain you have already broken the law by putting your name on my credit report and my paid debt as a open account.The F.T.C. fair reporting Act is beening broken by you reporting this account.because the information you reported is not true.and I give the C.F.P.B. permission to take a look at all my credit reports.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I transferred XXXX $ on XX/XX/XXXX at XXXX from Venmo to my XXXX debit card. I paid XXXX $ for those funds to be transferred instantly, and Venmo says the max time to transfer those funds would be 30 minutes. It is now XXXX on XX/XX/2033 so it has been over four hours now and I have not received the funds. The money is gone from my Venmo balance and it says the transaction has been completed, yet the money is not in my XXXX debit where I sent it. Venmo said the only way to get my money back is to file a dispute in my XXXX debit, but I cant file a complaint with them because the money never got sent there so theres no way I can dispute. I have sent money to this account before and I checked multiple times that I sent it to the correct account. I want to know where my money is and if like to be reimbursed for the XXXX $ I spent for an instant funds transfer that has take six times longer then Venmo says an instant transfer takes at its longest time.
Consumer complaint received 2023-10-22
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. (OK)

According to XXXX All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used. 
Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be removed.
Consumer complaint received 2023-10-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Sent letter asking for validation of debt. Proof of claim Request. Pursuant 12 CFR 1024.35, 12 CFR 1024.36, 24 CFR 3500, and 12 USC 2605 and many other things. I have sent it through register mail/ certified mail. XX/XX/2023 They never sent any information or proof and validation of debt. We have no contract with this company. Yet they have publicize our information and now countless people continue to harass us non stop. They have fraudulently reach out to the credit bureaus and damaged my credit because of it. I had to change my phone number because realtors did not stop reaching out about our property. They continue to falsely state that our property belongs to them. Because they loan us money. 
We have never contacted with them and do not know who they are.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Loan Services, Inc. (NJ)

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-07-09
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. (NY)

Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : 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 Account XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report.

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness.

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-22
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. (MI)

I have mailed letters to The Department Of Education Default Resolutions Center as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX XXXX XXXX in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I was traveling in XXXX in XX/XX/2023 and the XXXX  XXXX XXXX took a copy of my credit report without my authorization.
Consumer complaint received 2023-10-22
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-09-06
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. (NV)

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-10-22
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-10-22
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. (GA)

Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XXXX XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.