vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$29000.00} does not belong to me. The company continued to ask for documents and identification to further scam me or commit fraud which i do not feel comfortable sending information to this company i have never done business with. This company doesn't have any information or documentation on me due to this being fraud. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
Today, I got an alert " new potentially negative information '' in my credit report. I found that American Profit Recovery claims I owe them {$100.00}. This may relate to an account with Unlimited Lawncare, which was opened in XXXX, XXXX. I've had no communication with American Profit Recovery. XXXX XXXX of XXXX XXXX XXXX XXXX retired and sold our account to Unlimited Lawncare. He serviced us honorably for over 25 years. I prepaid XXXX XXXX for a year, but had trouble with the service from the beginning. I made several phone calls and appointments ( all, but one, unkept by the company ). I never caught them servicing in the neighborhood, as I often did with XXXX. Moreover, they stated that they would spray ivy, which was in the rear of the property, and was the reason for the missed appointments. They apologized each time an appointment was missed and assured me that the ivy would be sprayed. They finally kept an appointment & sprayed on XX/XX/XXXX. That was the only visit that I was able to personally verify for the year of prepaid service. I've told XXXX XXXX that if any monies are owed, they're owed to me. I neither renewed nor intended to renew. If XXXX XXXX is the basis of this negative entry in my credit file, then I'd like American Profit XXXX to remove the negative entry or prove the debt. If not, I ask XXXX XXXX to both identify and prove any other debt. I pay all my just debts, many before they're due. I've earned an exceptional credit score over many years and take this matter very seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
In XXXX Chime Bank closed my check account without notice, no reason given. Ive called repeatedly and they only state someone will get back to you in 48 hours. Chime does not respond back. Chime has illegally withheld funds for months committing banking fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a call from XXXX with XXXX and XXXX from ( XXXX ) XXXX on XX/XX/XXXX. She stated Wells Fargo was suing me for XXXX  and if I paid that would be it but if I dispute it theyd add XXXX in attorneys fees and take me to court. I said I didnt want to blindly pay something I dont recall from XXXX and she said call Wells Fargo and theyll verify the charge for me. I called Well Fargo and after speak with about XXXX representatives from various departments, including the XXXX  and XXXX departments I called XXXX back to let her know Wells Fargo said I dont owe them anything and this is most likely a scam. I asked the last representative in the Wells Fargo XXXX department for an email or letter stating I did not owe anything incase this somehow goes to court and they told me they do not provide letters but she assured me they dont sell off their debt and no one should be collecting money on Wells Fargos behalf.

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 2024-04-10 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: MI

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-10 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: CO

Complaint narrative:
I recently purchased a vehicle through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX on XX/XX/XXXX I had gone in with a pre approval with XXXX XXXX XXXX looking to purchase a XXXX XXXX XXXX and signed a credit application that was to be sent back to XXXX XXXX XXXX to allow XXXX  XXXX  and XXXX XXXX XXXX underwriting to connect on the same system but the credit application was used incorrectly and was sent out to XXXX  XXXX  unions  and XXXX  companies. I only authorized the credit application for XXXX XXXX XXXX but Im seeing the application got sent out the XXXX  unions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX I want to have the hard inquiries removed from my credit report as they were not authorized to be pulled. Ive spoken with the XXXX  unions and they have come back to me saying they would not have pulled my credit if I did not sign a credit application. I understand that is true but I did not authorize the dealership to send out my credit application to be sent out to those XXXX establishments, only XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to get help updating my personal information with XXXX, Transunion, and XXXX I have been trying for XXXX  to get my address, birth date, and correct spelling of my name my only employer with XXXX, Transunion, and XXXX and they will not update my XXXX  information I have mailed in proof of my Residence and my XXXX  XXXX  XXXX  bills, XXXX 's and still no change I started disputing in 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to get help updating my personal information with XXXX, XXXX, and Equifax I have been trying for XXXX to get my address, birth date, and correct spelling of my name my only employer with XXXX, XXXX, and Equifax and they will not update my XXXX  information I have mailed in proof of my Residence and my XXXX  XXXX  XXXX  bills, XXXX 's and still no change I started disputing in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I requested XXXX loan that I would pay back in XXXX weeks, which would be paid back on XX/XX/year>. On XX/XX/XXXX I was checking my bank account and found that MoneyLion was charging me the XXXX dollars and another XXXX I than looked at my MoneyLion account and found that someone hacked my account took out another XXXX and another XXXX loan that I didn't authorize and put XXXX other XXXX  cards on my account that were not mine. When you want money faster MoneyLion will charge you extra to receive the money within XXXX, thus the fee of XXXX that was added to the XXXX which equals the charge of XXXX that I didn't authorize on XXXX. 
I usually wait the XXXX  to receive it, so I don't get charge extra for borrowing the money. 
I called MoneyLion to tell them that someone hacked my account and made fraudulelnt charges or loans that I didn't authorize and to stop anyone else from charging me and for them to investigate the matter. They said they would and I thought it would be resolved since they had access to see who did this and get the money back. But I was wrong. 
I got my XXXX XXXX involved and asked them to give me a new XXXX  card and to help me. 
They looked into the matter and after XXXX  days told me since MoneyLion has my name, phone number, and address they they can't help me with this fraud case, and I have to fight MoneyLion. 
MoneyLion told me last XXXX  that they were sending me the money but today they said it wasn't fraudulent, I ASKED THEM THAN WHERES THE XXXX that I never received? 
After getting upset with them they told me that they can't help me and its not their fault. 

So I'm out XXXX  because someone hacked my account on MoneyLion and MoneyLion can't look to see how all this took place within XXXX and I didnt even do any of the transactions that XXXX  on XXXX XXXX, XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase XXXX continues to drag their feet regarding a fraudulent credit inquiry. They acknowledge the fraud but have elected to play games with my account. 

This inquiry is causing myself financial harm which Chase has elected to ignore. 

Chase insists action has been taken yet ALL credit agencies deny this. Chase claims it can take XXXX days which all of the reporting agencies deny. 

When Chase wants to report XXXX  information to the agencies miraculously it only takes a XXXX but for this fix it takes forever. 

Chase should be punished for the financial harm they are causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

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 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-11 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: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

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 2024-04-10 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: OR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-10 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: OR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX spoke to a representative from XXXX to confirm that a Bankruptcy XXXX that was reporting my credit report has been removed from their data base. They said that XX/XX/24 # XXXX was removed from Equifax and XXXX XXXXXXXX was removed from XXXX. These bureaus are still reporting a Bankruptcy!! This is a FCRA violation and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
I am missing XXXX payment in XX/XX/2023 and XXXX payment in XX/XX/2023. These are payments for the XXXX  of XXXX and XXXX. My employer has been paying XXXX directly to " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ''. I called and spoke XXXX  times to my XXXX XXXX XXXX XXXX services ( XXXX XXXX ) and they told me every time that on their end all payments have gone through including the missing payments of ( XXXX and XXXX ). XXXX had a XXXX change in their website where all my loan and payments disappeared for XXXX  months. And some of the payments are still missing after the new website and the transfer. I have reached out to the XXXX XXXX  XXXX a XXXX  times as well and they told me they can not help me and that I needto speak with XXXX. XXXX has refused over and over to send me payment receipts. XXXX had asked for the receipt as well to show proof that they hadn't received payment, but they did not comply. Everytime I call XXXX, none of the representatives can assist me. I have tried escalating my case to a supervisor, but they did not reach back out to me like they said they would. I am missing XXXX. This is a big chunk of my XXXX  contribution. XXXX won't comply and help me out. It has been now over a XXXX  since my XXXX payment ( supposed to post in XXXX ) and XXXX payment ( suppose to post in XXXX ) have been amiss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
A citi double cash card was opened on XX/XX/24. After I received it in the mail I called to have the account closed on XX/XX/24. My previous last name was used to create the account. Citi closed the account.

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