vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year> I called Chime to file a dispute on a series of unauthorized XXXX transactions. Prior to this I had been working with XXXX trying to get my funds back and they notified me they closed the account due to multiple fraudulent activities. On XX/XX/year> after filing the dispute Chime issued me a provisional credit at XXXX and I noticed the amount was incorrect so I reviewed the transactions, I then seen the agent who filed the dispute had forgotten multiple transactions, I immediately called customer service again explained the issue and was informed I had to file another dispute for those transactions left off. I then filed the dispute for the remaining transactions, Within 15 minutes of filing the 2nd dispute it was denied. I immediately called back to inquire how and why this could happen so fast. as clearly the investigator couldn't of contacted the merchant or anyone involved as well as I was just given provisional credit on the other transactions that were unauthorized. I questioned why it was denied and was informed they would email me within 10 days. I again explained the situation and was told a rebuttal was filed. Within minutes again the rebuttal was denied. From XX/XX/XXXX to XX/XX/XXXX there was 22 unauthorized XXXX  transactions totaling {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANKERS HEALTHCARE GROUP LLC
State: WA

Complaint narrative:
Company is refusing to understand that my devices were compromised and that I did not purposefully take out this loan. 

The actions of depositing the funds into my account and me communicating with the lender happened as a result of identity theft including access to bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : Account Name : XXXX Credit Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.

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 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Upgrade * Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: NY

Complaint narrative:
I Was a victim of identity Theft And Fraudulent activity, i was robbed of my wallet in XXXX, which contained my credit card XXXX XXXX My drivers license Id, Social Security Card, Cash, A Check, & also my 2 Bank account Cards. They used that information to use to open up a credit card ( discover. Bank ) of a credit Limit of {$200.00}. I Was Robbed of My wallet on XX/XX/XXXX & they Opened and applied and used my info to apply and get a Discover Credit Card Using my personal stolen information, on XX/XX/XXXX. I didnt Realize Until XX/XX/XXXX. The Account Was Closed on XX/XX/XXXX. Ive Tried Multiple Times to dispute, call, email, send letters contact XXXX, XXXX, XXXX XXXX, ect. To ge this issue resolved, because it has now effected my credit score, credit report, 3 credit Bureaus, and the stolen fraudulent discover card that was opened up and wiped out, has been and is still in now Collections/Derogatory. Which is effecting me from being able to moge forward with my credit and fix it. I need XXXX getting tbis removed fully off my credit report history and disputed fully & removed please. Thank you so much, my name is XXXX XXXX XXXX my DOB is XX/XX/XXXX. My number is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  Bankruptcy Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is not holding up to the law by not responding with my investigation results within a reasonable time. 

On XX/XX/year>, I wrote to XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from XXXX or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I wrote again and requested a reply within a reasonable amount of time.

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 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: OR

Complaint narrative:
XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX I used RIA to send this, however, I received a note from a XXXX XXXX that I had a red flag and I could not use ANY company to send money to XXXX XXXX She promised that she would clear my name so I COULD send money to XXXX XXXX. She gave the " duty '' to XXXX XXXX, who in turn used XXXX XXXX. They said they kept trying to send money to XXXX XXXX, and the people said we could even use a California bank account to receive the money, but the receiver never received his money after attempt after attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian on multiple occasions has stated they are reviewing files but have failed to do so. Proof of such was previous file XXXX They on multiple occasions stated they verified the file but failed to delete it until another reporting agency did the job for them. This has been a recurring issue for them even when sent files and paperwork to fix and correct file they only fix file after another company has done the work for them. Currently two accounts XXXX and XXXX XXXX hav already been removed form other companies yet Experian still updated the account without running an investigation. Even when provided the papers stating account has been deleted by other companies they still refuse to run any investigation. They have continually violated my consumer rights as I have sent over 55 disputes to them now

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 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.

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 2024-05-26 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: FL

Complaint narrative:
Down below i will list some inquiries that appear on my credit report in Transunion. This information is inaccurate and misleading and shouldn't appear on my report. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2024-05-26 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: NC

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Down below i will list some inquiries that appear on my credit report in Equifax.This information is inaccurate and misleading and shouldn't appear on my report. 

XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against [ XXXX, Equifax, XXXX ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, Equifax, and XXXX for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report.

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report.

Despite my repeated requests for the method of verification, none of the three credit agencies have complied with this requirement, thereby violating the FCRA.

Sending Stall Letters : I have received multiple stall letters from XXXX, Equifax, and XXXX. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that XXXX, Equifax, and XXXX immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance. 
Conclusion : I seek the CFPB 's intervention to ensure that XXXX, Equifax, and XXXX comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson capital system 
Account open date: XXXX XXXX
Original creditor name: XXXX XXXX
Open balance amount: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
I disputed two charges last month from a merchant that I cancelled and revoke authorization from charging me back in XX/XX/XXXX. You disputed the charges in XXXX and credited me the money back. I was told you would block them from charging me again since I revoke authorization from them to charge my account. I check my account today XX/XX/XXXX, and yet again there is another {$10.00} charge. The merchant info is below : XXXXXXXX XXXX {$10.00} I contacted you on XX/XX/XXXX and the rep in chat said he/she placed a stop payment/ticket on the debit card charge but it still went through but was told it wouldnt.

Company response to consumer: Closed with explanation