vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I opened an account got my card went put money on it at a store. Got home but could not use cars I thought maybe it wasn't activated so I called to see the agent didn't speak good XXXX thought I was saying it was fraudulent card. I did not say they I tired to tell her I had card in my hand it was not fraudulent they closed account I ask to speak to someone else he XXXX they something would not give me access to my money. Chime finally email me back told me to send in documents to identity me. I did that but they still will not give me access to my money. I get the same message when I call the same message when I email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Ford Motor Company is still reporting a balance {$560.00} as of XX/XX/year> on my XXXX credit report. The account was paid in full XX/XX/year>. XXXX is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : XXXX XXXX XXXX To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-15 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Various accounts were opened in the year 2023 XXXX I was unaware of credit because it has been bad for years due to bad school loan.. so credit was never really an option for me ..come to find out I was attached to various accounts including XXXX, XXXX, XXXX XXXXXXXX XXXX.. There has been various notifications from our post office of stolen mail. And I have received numerous alerts and letters stating accounts being attempted to open. Police report was made as well with XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


( XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
After taking the time to review my credit report I realized I have several months of late payments that are incorrect. On XX/XX/XXXX, I paid in full on my XXXX XXXX XXXX. On XX/XX/XXXX I received a letter stating that I had paid off my vehicle, followed by the mailing of my title. 

In XXXX at some time my husband at the time realized that his card was used fraudulently, XXXX XXXX made the action to reverse number of charges on his account to review them. Once I realized this, I called TD Auto Fin to make sure no payments were affected. I was informed on XX/XX/XXXX, that {$1000.00} in total was reversed which I paid that day Transaction ID : XXXX. 

Instead of TD notifying me immediately of the reversal of a bunch of late payments for previous months including XXXX was submitted. In return XXXX XXXX fixed my husband at the times account and I was issued multiple checks because there was a {$1000.00} overage on the account. 

I take my credit very seriously and I am not going to stop contacting TD or the XXXX credit bureaus until the incorrect information is removed. Due to this inaccurate information, I am having issues moving forward with home ownership at a better rate. If this can be done swiftly, I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Hi Lvnv Funding, Resurgent Capital Services ; XXXX ; I was going through my credit report over the weekend and noticed 3 fraudulent accounts with alleged balances of {$1600.00}? {$1300.00}? {$2600.00}? I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information.

Legal basis for your collection of this alleged debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including any contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: IL

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MA

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within XXXX days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

Experian XXXX XXXX Amount - {$2300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX {$1300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX  Amount - {$280.00} Account number - XXXX Dated Opened - XX/XX/XXXX XXXX XXXX Amount - {$6000.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$14000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$720.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$180.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX Amount - {$19000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX  Amount - {$200.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX XXXX Amount - {$700.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$340.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$710.00} Account Number - XXXX Date opened- XX/XX/XXXX Sprint Amount XXXX {$730.00} Account Number - XXXX Date Opened 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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: PR

Complaint narrative:
The Experian credit report is showing an bankruptcy account that is not mine.

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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the fraudulent accounts immediately. 

XXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/2017 XXXX XXXX account # XXXX date opened XX/XX/2017 XXXX XXXXXXXX XXXX account XXXX XXXX date opened XX/XX/2017 2017

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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that I have a debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shortly after that, I received another letter stating that I must appear in court discussing this debt on XX/XX/XXXX. After I found out about this, I asked where I should go to report that I had not opened any account and had no debts. 

I went to the police and requested a police report to confirm this transaction and credit as fraud. After that I called the bank to report that it was fraud since that I had not taken any loans. I also requested information regarding the loan and they responded with an address that belongs to my ex-husband, as well as the residential address of his parents. and that the loan was sold on XX/XX/XXXX to creditor LVNV FUNDING LLC. 
At the time of the creation of the loan I was living at a different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
My account is frequently restricted and support is extremely difficult to contact. They don't answer their phone. They don't give much help over email or chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My cryptocurrency brokerage accounts were hacked and my checking account was charged for {$11000.00} on 4 different ACH transactions. The thief stole the crypto out of my brokerages accounts XXXX XXXX XXXX XXXX XXXX  and into his own wallet. My bank refused to refund me ( chase bank ) also XXXXXXXX refused to refund me. I provided screenshots of the IP address and device of the thief that stole my money and everyone is still saying it was me that authorized the charges. I do not know what to do that was my life savings, I gave everyone perfect proof.

Company response to consumer: Closed with explanation