vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My card was used without my permission. It was stolen from the hotel I was at. I reported the charges and cancelled my card. They refused to reverse the charges... I have never had this issue with Chime since being with them 11 years... now there is a problem. 
I, also, chose to use their 16 % cashback deal at XXXX. It states it was expired when used. This is a lie. I was right in the parking lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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 the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MO

Complaint narrative:
This CFPB complaint serves as direct notification to the collection agency XXXX Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is apparent that the collection agencies in the above complaint were unable to follow the law as stipulated by FCRA and FDCPA has sold this debt AGAIN to the current debt collector, Credit Control , LLC XXXX 
Again, this complaint is serving as an official notification to Credit Control LLC has 30 calendar days from the date the company opens this complaint or 30 calendar days from the XXXX XX/XX/year> ; whichever comes first ; to send a VALIDATION of the debt, a copy of the ORIGINAL contract with my signature, proof that Credit Control LLC has been assigned by the creditor to collect this debt, NOT assigned by another collector, per FCRA and FDCPA guidelines. 
Credit Control LLC also agrees NOT to resell this debt to another debt collector for the illegal attempt to capitalize off the Federal OPM Data Breach, or by doing so they agree to pay me, the undisputed amount, ten times the amount they are reporting, which is the sum of XXXX XXXX plus an additional amount of XXXXXXXX XXXX for pain and suffering. 

Both XXXX XXXX and XXXX XXXX XXXX were aware and notified of the OPM Data Breach and as such it was their responsibility to pass that information on to Credit Control , LLC as they should have received it upon purchasing this debt. I will not yet AGAIN, provide this information. 

I will NOT accept " verification '' as owing this debt per law as stipulated by FCRA and FDCPA guidelines.

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 2024-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
FAXED IN MODIFICATIONS ON 1ST AND 2ND SAME TIME!!!!!!!!!! 2ND APPROVED NEVER ANYTHING ON 1ST WAS SENT AND SPS LOST A PAYMENT ON THE 1ST. AND HOMEOWNERS INSURANCE THEY DIDNT PAY, ILLEGAL TO FORCE PLACE INSURANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
In accordance with the fair credit act, this creditor Transunion Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.

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 2024-10-13 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 recently reviewed my credit profile and noticed inaccuracies, incomplete information and also accounts that are UNVERIFIED OR ARE NOT PROPERLY VERIFIED on my credit report. According to the credit report act, section 611 ( 5 ) ( A ) of the FCRA those credit bureau are required to promptly DELETE all information that is inaccurate, incomplete and which can not be verified. They also violated 15 US code 1681 section 602 ( A ) section 2, and 15 US code 1681i5. I disputed several times those inaccuracies with those 3 credits bureau, and requested an update of my credit report. NOTHING HAD BEEN DONE. 
THOSE 3 CREDIT BUREAUS KEEP VIOLATING THE FCRA and FDCPA LAWS By failing to do proper investigation during a dispute, and also always refused to provide the steps of their investigation. 
IT'S SEEMS LIKE KEEPING NEGATIVE UNVERIFIED CREDIT INFORMATION ON THE CONSUMER REPORT IS THE WAY FOR XXXX, EXPERIAN, XXXX TO MAKE MONEY. 
THIS IS A VIOLATION.

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 2024-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I am writing to report a fraudulent XXXXXXXX XXXX  account that has been opened in my name, without my authorization or knowledge. I have recently discovered a cable bill associated with this account, which details services I did not sign up for at my address. 

Please contact me at XXXX to discuss this issue further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: MI

Complaint narrative:
XXXX XXXX is being reported as closed on one report but not the other. I only have XXXX XXXX XXXX account. There was fraud on my account so they sent me a new card and closed the other card under the same account. The funds were also refunded and the account was not late. This reflects on the new billing cycle. This is inaccurate. My credit also still shows that XXXX was not removed from XXXX and Experian. As well as the XXXX XXXX account that should be deleted. This was never my account. I never had a credit card from XXXX XXXX This is also inaccurate and must be removed. The reports that I have attached shows this. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. Attachments

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 2024-10-13 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: MI

Complaint narrative:
XXXX XXXX is being reported as closed on one report but not the other. I only have XXXX XXXX XXXX account. There was fraud on my account so they sent me a new card and closed the other card under the same account. The funds were also refunded and the account was not late. This reflects on the new billing cycle. This is inaccurate. My credit also still shows that XXXX was not removed from XXXX and Experian. As well as the XXXXXXXX XXXX XXXX that should be deleted. This was never my account. I never had a credit card from XXXX XXXX This is also inaccurate and must be removed. The reports that I have attached shows this. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. Attachments

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I ordered a treadmill through XXXXXXXX XXXX which is financed by TD Bank in XXXX XXXX I cancelled the order because XXXX would not honor a price drop. After I cancelled the order the copy reduced the treadmill by {$50.00}. I received an email stating the treadmill had been shipped so instead charging me a $ 15 % restocking fee, they charged my account {$910.00}. I filed a complaint with the XXXX XXXX Consumer Protection agency in XXXX XXXX. The XXXXnvestigator informed me see below : XXXX XXXX, " In our last conversation I explained that TD Bank isnt part of this complaint, and I still tried to contact Proform by email and by phone with no avail. Since XXXX  has its Corporate Headquarters in XXXX  I cant continue to investigate this complaint, what I suggest is, you contact Consumer Affairs in XXXX. I will send all your information to Consumer Affairs. '' Attention : XXXX XXXX XXXX Phone : XXXX Email : XXXX. 

My information was then sent to XXXX XXXX XXXX XXXX and assigned to a XXXX XXXX. XXXX XXXX 's investigation into XXXX produced no results. Subsequently, TD bank sent the account to a collection agency, and they returned to TD Bank for itemized information and closed their collection of it. Since XXXX, they have added it to my Credit report as a charge off and it has affected my credit. I have disputed but because I went to XXXX XXXX  agencies, they have retaliatorily keep it on my report. I have spoken with TD Bank, and they said I owe {$400.00} balance on a treadmill that was never delivered. I have applied for numerous loans, and it has stated I have a delinquent account. I applied for a debt consolidation loan and decline the loan because the company wanted to pay the charge off. This should have been dropped from my credit report after five years in XXXX and six years statute in XXXX XXXX and it seems very year they are adding another year to continue to damage my report. I am able to provide any information you may need to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have file an FTC Complaint, Report XXXX XXXXXXXX against Capital One for fraud. This company continues to place erroneous credit files on my credit file. I have had no business with Capital One or benefited from the use of a Capital One credit card. 

The account XXXX does not belong to me. This company only changed the remarks on this account and does not verify the account. I have been provided no proof that I have entered into any contract with this consumer. Stated that you have an address on file for me is not validation. Per the FCRA, this account should be removed immediately. 

Also this account is listed as a charge off account. I have not received a XXXX for the amount charged off if this is indeed attached to my credit file. Remove the account or failure to remove account entitles me to compensation per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-10-13 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-10-13 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-10-13 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: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security NumberXXXXXXXX XXXX XXXX XXXX XXXXXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-10-13 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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