vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian Please delete the following accounts : XXXX { XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX ( XXXXXXXX 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 2024-10-26 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following accounts I have disputed on Experian ; they are still showing under dispute and we well beyond 30 days it's been in " under dispute '' status for months. I can't add any information or check the status because they have left the dispute with no resolution. these accounts are in direct violation of According to 15USC 1681EB you are supposed to assume maximum possible accuracy. This account is not accurate according to the fair credit reporting act. Delete account immediately for violating 15USC 1681EB The below accounts need to be removed due to Experian not taking care of my dispute for this long. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  Balance {$570.00} Status Collection account. {$570.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. 

XXXX XXXXXXXX XXXX Under dispute Date opened XX/XX/XXXX Balance Status NO STATUS

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 2024-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have spent an inordinate amount of time trying to get my payment records straight with Fifth Third. Although I pay a month ahead and additional principal on multiple occasions I am charged late fees. I attempted to get it corrected and am promised that it will be, but it requires continuous follow up and still is not corrected on this last go around. When I request detailed payment information they have sent a form that is unbelievably complicated. When I went to the branch to get an explanation the branch manager could not even follow the printout. I have had several mortgages and have never had the trouble and obscuration that I encounter with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Complaint Statement Regarding Fraudulent Charges with Chime Credit Card To Whom It May Concern, I am writing to formally express my dissatisfaction with Chime regarding unresolved fraudulent charges on my account. I promptly reported these unauthorized transactions in accordance with the procedures outlined under federal law, specifically the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, which mandates a thorough investigation of disputed charges and requires creditors to correct billing errors within two complete billing cycles ( but no more than 90 days ). 

Despite my compliance with Chimes investigation process and adherence to these federal guidelines, I have not received a refund or satisfactory resolution. The inadequate investigation of these fraudulent charges by Chime violates not only customer trust but may also be a breach of Regulation E ( Electronic Fund Transfers Act, 12 CFR Part 1005 ), which provides protections against unauthorized electronic transactions. These regulations require prompt and fair investigation procedures, as well as a provisional credit while the dispute is under reviewnone of which I have received. 

I respectfully request immediate action on this matter, including a full refund for the fraudulent transactions. Additionally, I ask for a detailed report of the investigation, including the specific steps taken to address my concerns. Failure to act promptly could leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

Please treat this letter as formal notice, and I look forward to a swift resolution. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I was given a deferment now they are going back on their word and requiring me to pay {$14000.00}. Ive already contacted the XXXX  about the school because they didnt provide me with the education that I was supposed to receive. Now they are being very predatory and deceiving with the loan. The school was XXXX XXXX based out of CA and I recommend nobody attend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Five Lakes Law Group PLLC
State: IL

Complaint narrative:
I spoke with a sales rep from the company, not sure of date, about debt consolidation. I let him know that I was weary of doing " debt consolidation '' again because I was previously scammed. At the time I signed up with the company I did not have any defaulted credit cards or loans. I was advised to let my credit cards go into default and that I would make payment for 6 months into a savings account that would be used to settle my debt. I was told that after 6 months of on time payments I would be eligible for a loan that would pay off my debt, and I would make one payment to Five Lakes Law Group. After more than six months, I contacted the company and said that I had past my eligibility for a payoff loan and was told " we don't offer that service anymore ''. I pleaded with the reps because I chose the company under this sales pitch, I asked if they could listen to the recorded calls and if they could set me up with someone to resolve the issue. No one was able to help me. I only just now reported to this website because I was told about it through a friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I've been using PayPal as a payment processor for a long time. I appreciate PayPal because of the security and a lot of vendors use PayPal as a secure payment processor. PayPal refuses to allow me to use their service because I disputed a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I reviewed a copy of my credit report and noticed fraudulent credit inquiries on my profile. I have been a victim of identity theft and my information has been exposed. Please remove these inquiries related to fraud. 
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 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
account # XXXX original creditor XXXX  Moreover, your compliance with the Metro 2 format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX Subject : Request for Goodwill Adjustment for Late Payment Dear XXXX XXXX XXXX Department , I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding a late payment reported on my account for XX/XX/XXXX. 

Due to [ briefly explain the situation that caused the late payment, e.g., unexpected financial hardship, medical emergencies, etc. ], I was unable to make the payment on time. This situation was an anomaly in my payment history, as I have consistently made my payments on time since opening my account in XX/XX/XXXX. 

I value my relationship with XXXX XXXX and have taken steps to ensure that my payments are made promptly moving forward. Therefore, I kindly ask for your consideration in removing this late payment from my account as a gesture of goodwill. It would greatly help me maintain a positive credit history. 

Thank you for considering my request. I look forward to your positive response. 

Sincerely, 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 2024-10-26 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to formally contest an unauthorized inquiry into my consumer report conducted by Ally Financial on XX/XX/year>. This inquiry represents a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Unauthorized Access : As stated in 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), my consumer report was obtained without my consent or any lawful purpose. I have not engaged in any transactions with Ally Financial that would justify this inquiry.

Lack of Proper Certification : Under 15 U.S.C. 1681b ( f ), the purpose for accessing a consumer report must be certified. There is no indication that you complied with this requirement when obtaining my report. 

Consumer-Initiated Transactions : According to 15 U.S.C. 1681b ( c ) ( 3 ), inquiries related to credit or insurance must be initiated by the consumer. I did not initiate any transaction with your company that would warrant such an inquiry. 

False Pretenses : As outlined in 15 U.S.C. 1681n ( a ) and 1681q, knowingly obtaining consumer information under false pretenses can result in severe penalties. This inquiry appears to fall under this provision, as it was conducted without valid grounds. 

Liability for Noncompliance : Per 15 U.S.C. 1681n ( a ), individuals or entities that willfully fail to comply with the FCRA can be held liable for damages. I am entitled to either actual damages incurred or statutory damages of {$1000.00}. 

Given these violations, I hereby request the immediate removal of the unauthorized inquiry from my consumer report : Inquiry Date : XX/XX/year> Company : Ally Financial Additionally, I am seeking a settlement of {$1000.00} for the damages associated with this violation. 

I urge you to resolve this matter promptly to avoid further action. I look forward to your timely response. 

Payment Instructions : Check, Direct Deposit or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I thought this was a scam for years. They contacted me back in XXXX claiming I owed hospital bills, which was extremely alarming since I have had health insurance my entire life ( tricare ) and the hospital they provided has all of my information. Ive never had any issues with payment to the hospital they claimed to be taking money from. The harasser calling me claimed to not have my insurance information although I provided it to the hospital and the hospital did charge my insurance for those dates. The harasser never provided anything in writing about the money they claim I owe and they've been calling for years using curse words, yelling through the phone every time I ask them to provide me something in writing that I owe anything because Ive never even heard of this company. I have never opened a line of credit with this company, Ive never signed anything issued from this company, and I dont owe this company anything. Today, I received a collection on my credit for this company and its completely fraudulent, they shouldnt be able to do this to good tax paying Americans. I still have not received anything in writing from this company proving I owe a debt, the first conversation I told them I have health insurance and the hospital already processed this but they still keep harassing me and now theyve fraudulently put this collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX Subject : Request for Goodwill Adjustment for Late Payment Dear XXXX XXXX XXXX XXXX  , I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding a late payment reported on my account for XX/XX/XXXX. 

Due to [ briefly explain the situation that caused the late payment, e.g., unexpected financial hardship, medical emergencies, etc. ], I was unable to make the payment on time. This situation was an anomaly in my payment history, as I have consistently made my payments on time since opening my account in XX/XX/XXXX. 

I value my relationship with XXXX XXXX and have taken steps to ensure that my payments are made promptly moving forward. Therefore, I kindly ask for your consideration in removing this late payment from my account as a gesture of goodwill. It would greatly help me maintain a positive credit history. 

Thank you for considering my request. I look forward to your positive response. 

Sincerely, 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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was previously a victim of ID Theft and upon periodically viewing my credit report I noticed bankruptcies being reported in my public records. I contacted the bankruptcy court and was informed that after their investigation, it found be fraudulent and was removed from their records. I am enclosing a correspondence from them stated that. 


-case # XXXX  disposition date : XX/XX/XXXXXXXX  -case # XXXX  disposition date : 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 2024-10-26 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cashapp account was compromised and someone sent XXXX dollars to an account that was created less than a week. I contacted them twice and filed 2 disputes. They denied them both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was previously a victim of ID Theft and upon periodically viewing my credit report I noticed bankruptcies being reported in my public records. I contacted the bankruptcy court and was informed that after their investigation, it found be fraudulent and was removed from their records. I am enclosing a correspondence from them stated that. 


-case # XXXX  disposition date : XX/XX/XXXXXXXX  -case # XXXX  disposition date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: PA

Complaint narrative:
My credit report is showing an unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.

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