vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX saying that I had a new inquiry on my Transunion report. I checked my report and saw that the new inquiry had come from XXXX XXXX. On XX/XX/year>, I did apply for an XXXX XXXX credit card and was approved. XXXX XXXX did a pull from my XXXX report at that time but did not pull from the other XXXX bureaus. When I called XXXX XXXX to ask about the XXXX inquiry, their system showed that I had not applied for anything new with them since XXXX and they stated that the XXXX inquiry was possibly fraudulent. I called Transunion on XX/XX/year>, to let them know and have them remove the inquiry and they said they would. I was told that it would take about 30 days for the inquiry to be removed. On XXXX XXXX, I checked my report and saw that the inquiry hadn't been removed yet, so I called Transunion and explained the situation. I was told that this would be escalated for removal, and I should see the inquiry removed within XXXX hours. Today, XXXX XXXX, I called Transunion again because the inquiry still appears on my report. I explained the last XXXX calls I made to them and was asked if I was told to provide any documentation supporting my claim. I told them I wasn't asked for any documentation, which they said was part of the procedure and that the other XXXX people I spoke with should have asked for documentation. They told me to fill out the FTC form and they were going to call XXXX XXXX to get a letter for removal as confirmation that the inquiry was fraudulent.

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 2024-06-21 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:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2024-06-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OK

Complaint narrative:
Multiple attempted and made to restore my access to my gemini.com account. Despite repeated emails from their support that provided incorrect information or information that did not correct the issue, I finally was able to regain access to the account and sell the asset. However after sale of the asset the platform refuses to let me withdraw the funds to my bank. There is an undisclosed 72 hour delay that I have dozen customer support representatives failed to ever mention in the process and I can find nowhere in their verbiage. 

Furthermore, these were charged and none of the documentation available through their website the exact amount of what the fees were which would be needed to file appropriate taxes for gains made on the asset. This should be required to be disclosed after the fact as specific line items in the transaction details but it is completely hidden from me. 

It seems you can put money into their platform and perform transactions but its nearly impossible to get any money out. Thats kind of the way in which a Ponzi scheme works.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed to 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 non-monetary relief
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201. Please remit payment for violations within 10 business days and remove the following items that were reinserted without notice and validation : 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 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mortgage is with Chase Bank. 

This is the second time they have caused my home owners insurance to lapse due to late / non-payment of my annual premium from my escrow account which has sufficient funds. 

In the first instance, they showed the payment as deducted from my escrow account, cut a " group check '' to my insurance company, and then canceled the check prior to it being received/cashed by the insurance company. They did not cut a new check and therefor my policy was cancelled for non-payment. I missed the communication from my insurance company and ended up with penalty fees and a higher premium due to a lapse in coverage + a timeframe which my home was not under coverage ( we live in XXXX where hurricanes and natural disasters are not uncommon making this NOT OK EVER ). This took over a month and a minimum XXXX phone calls with Chase and the insurance provider - including XXXX way calls to resolve - time I will never get back... 

Fast forward to this week and I receive a notice from Chase saying my insurance has lapsed and to either send proof of insurance or risk being placed on mortgage backed insurance at and even more astronomical premium than I'm already paying due to their error mentioned before... I also receive a notice from my insurance provider saying the premium was DUE on the XXXX. Well, I check my escrow account and it says they paid on the XXXX. Upon inquiry, they paid by MAILING a check which means of course my premium will not be received by the due date - ensuring late payment and yet again, a lapse in my home owners coverage. 

In both instances, I had to pay my home owner 's premium directly to the insurance company ( via XXXX or ACH ) IN ADDITION to the money I already paid into my escrow account to cover the expense. Luckily I'm in a position to be able to pay it twice and await a refund but most people are not and should not be placed in a position to have a lapse in home owners insurance because CHASE BANK cant seem to process escrow disbursements in a timely and efficient manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
XXXX I will make this short I have been fighting with this company SOFI which seems to be a fraud. Long story short i opened a loan through them with a cosigner i have been onetime with all my payments and In XXXX I found out my cosigner filled a bankruptcy well they made there lawyer fully aware i was NOT filling a bankruptcy and I will be finically responsible for this loan well XX/XX/XXXX I tried to make my Payment which was due XX/XX/XXXX or around there anyways I was told that my account was closed do to a bankruptcy and I said this was all in a chat by the way because you cant call them and if you do o they promise to call you back but guess what I have never received a Call from XXXX on this matter how they are going to fix there mistake but anyway I was told in a chat that THEY can not let me say that again CAN NOT take my payment because the account they have listed i filled a bankruptcy well Like I SAID I DID NOT FILE A bankruptcy. i was told in a chat that this would be escalated to management and someone will be getting back with me and NO ONE has I called back in the XXXXXXXX XXXX XXXXXXXX to try to make a payment because i figured it would be fixed Nope they still wont take my money but they send me all these emails saying you are past due and i need to make a payment asap well these morons can not figure out I am trying to give them my money and they WILL NOT TAKE it who else fights with a card company to give them money now I am XXXX some days past due my major concern is my credit score see I had a ID theft 18 years ago my credit then went to less than XXXX well now with hard work and working XXXX jobs i am up to a XXXX now and its time I start looking for a house to buy that's my mail goal but I have XXXX customer serve saying if i don't make a payment now it is going to hurt my credit because 30 days is almost here but these idiots will not take my money and if i see a bad mark on my credit because of this or XXXX more threat I WILL LET MY LAWYER XXXX XXXX TAKE OVER AND SUE for the mental stress Sofi is putting me through all the XXXX nights ALL i want do is give them a payment why the XXXX is this so hard for this company to understand I have been in contact with a news channel and i have been advised to not tell them name of the channel but its close to there office. this is what i want my account restored and all the negatives on my account be removed or i will take it to the next level because my credit means a lot to me and I will be damned if I let SOFI scam me they will be hearing from me if they do not get this fixed and I have Documation 's from Sofi and chat sessions and i have proof where i tried to make a payment and they told me they can not take it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I received an email on XX/XX/year> stating there is an account change and I would be paying monthly service fees. I called the number provided in the email and canceled the card immediately. The next day a monthly fee was charged. I waited until the end of the billing period and ultimately paid the fee as to not receive any late penalties. I then called and again closed the card on XX/XX/year> at XXXXXXXX XXXX. I was told the fee would be reversed and the account would be closed. It's not XX/XX/XXXX and neither of those events have occurred. I could call a third time but at this point, I don't think it matters how many times I contact them to close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Complaint Against Chime Regarding Unjustified Account Closure and XXXX of Funds I am writing to file a formal complaint against Chime for the arbitrary and unjustified closure of my account, which has caused significant financial distress. 

XX/XX/2024 - Account Usage : Direct deposits from my employer, payments for essential services ( XXXX, XXXX, XXXX  ), occasional grocery shopping, and food deliveries ( XXXX ). 

On XX/XX/2024, I discovered that Chime had closed my account without providing any prior notice or a valid reason. This account held my savings, and my paycheck, which was scheduled to be deposited on XX/XX/2024, is also directed to this account. 

When I contacted Chimes customer service, I was informed that the account closure violated some unspecified rule. They referred to the money in my savings as a refund and stated that I was not eligible for a refund. This response is both confusing and unacceptable, as it does not address the fact that they have effectively seized my savings and denied me access to my own funds. 

As someone who lives paycheck to paycheck, this sudden and unexplained action by Chime has put me in a dire financial situation. I have urgent insurance payments and credit card bills due this week, and without access to my funds, I am at risk of incurring additional late fees and penalties, further exacerbating my financial hardship. 

On XX/XX/2024, I called Chime again seeking a detailed explanation for the account closure and the status of my funds. After multiple purposeful disconnects on their side and extensive discussions with their customer service team, I was finally allowed to speak to a XXXX. The XXXX informed me that they couldn't see completely into the account and did not see the money I had in my savings. 

I feel that Chime has acted unethically and irresponsibly by closing my account without any warning or proper justification and by withholding my money. I am requesting the CFPB 's assistance in resolving this issue and ensuring that Chime returns the funds that rightfully belong to me. Additionally, I seek an explanation and assurance that this will not happen again in the future. 

I appreciate your prompt attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: MN

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : 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/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