vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BOGMAN, INC
State: MD

Complaint narrative:
I'm not sure if it's too late due to the Statute of Limitations in the State of Maryland. I was going through a divorce and I went through so many different processes to get my mortgage modified. I went through the Bankruptcy court with one attorney who was arrested for some unknown charge and I was told I needed an attorney to represent me in court. I hired another attorney who represented me at the beginning. At one of my hearings my attorney no longer fought for me and told me to give up. I was greatly concerned because there appeared to be fraudulent activities in the documents. There was information on the notarized documents that were altered and whited out above my signature. There were investors names as the lenders as opposed to a bank. There were so many things I believe was wrong. I believe during that time there were kickbacks, fraudulent taking of homes. I was giving I believe {$2500.00} to move out of my home. I had no idea who these individuals were that took my home. I felt bullied and scared because I had no one I could trust to represent me. I believe until this day that the process of my home taken was fraudulent and illegal. I know I can't get the house back but if I could I would like to be compensated if possible by the crooked individuals who stole my home due to my ignorance of the law when it came to real estate.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> - I made one purchase at XXXX using my XXXX XXXX  that debits my chime account - temporary Auth was done for {$110.00} on chime account -the total of transaction was {$110.00} XXXX I contacted chime as they fully processed 3 debits from my account in the amount of {$110.00} ( hold that should of fallen off ) + {$110.00} + {$110.00}. They stated filed a dispute. 
- Dispute denied -I filed a dispute with XXXX as directed by chime. Dispute denied as provided in writing my account statement from purchase history showing one transaction on {$110.00}. Also sent me an email they only debited 1 time - bank is the problem. 
-Filed another Dispute with chime including XXXX statement & screenshot of email from XXXX 
-Dispute denied. 
-called chime to escalate further and was told XXXXXXXX was the problem. Directed me to complain to XXXX 
-filed a dispute with XXXX as directed by chime. Dispute denied & provided in writing my account statement from purchase history showing one transaction of {$110.00}. Called on 3way calling with me & chime to attest they only debited 1 time - bank is the problem. Chime needed to refund the other 2 unauthorized duplicate charges. Chime put in a rebuttal again. I asked for a copy of this recorded call- they refused and insisted part of recorded call. 
-Received letter from chime that investigating & put a provisional credit of {$230.00} in my account. 
- I withdrew the money & ending my affiliation with them due to this nightmare -Received a letter stating they did nothing wrong based on their investigation & will be taking the {$230.00} back which has overdrawn the account. They are demanding I pay them the {$230.00} they stole from me in the 1st place & never should have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2024-11-30 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: NC

Complaint narrative:
I am victim of identity theft and there are some inquiries on my credit reports that were not authorized

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 2024-11-30 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: WA

Complaint narrative:
In early XXXX several Dept of EdXXXX student loans began appearing on my credit report. I do not have, never have had, and have never applied for any student loans through any lender. I disputed the improper accounts with the Transunion credit bureau on XX/XX/year> and in early XXXX the credit bureau ruled in my favor and removed the fraudulent accounts from my credit report. In XX/XX/year>, the fraudulent accounts reappeared on 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 2024-11-30 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: WA

Complaint narrative:
In early XXXX  several Dept of EdXXXX student loans began appearing on my credit report. I do not have, never have had, and have never applied for any student loans through any lender. I disputed the improper accounts with the XXXX credit bureau on XX/XX/2024 and in early XXXX the credit bureau ruled in my favor and removed the fraudulent accounts from my credit report. In XX/XX/2024, the fraudulent accounts reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCF Intermediate Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX Is NowSent A Notice Of Legal Proceeding. They Sent This By Email On XX/XX/year>. Time They Sent It Is XXXXXXXX XXXX. I? Didn't Apply For A Loan With Speedy Cash USA. And! I Never Got The Money From Speedy Cash USA. I Never Went Online To Apply At Speedy Cash USA. Amount That XXXX XXXX XXXX, XXXX Wants Back Is {$6300.00} Dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX my credit card has been stolen, and checks were deposited into my account. My bank told me they dismissed & closed all my claims/cases

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has engaged in unfair and deceptive practices by relying on inaccurate information to deny my credit application, violating my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). This denial appears to be based on a prohibited basis, as it lacked proper notice and transparency. I am formally requesting a copy of the consumer report used to make this decision. Citibank has five ( 5 ) days to provide the requested report and rectify this matter. If this issue is not resolved promptly, I will take legal action to protect my rights.

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Im VERY disappointed in Chime. After waiting over XXXX months to basically get told that their investigation is done and that they found no error when I literally spoke to a representative on the phone back in XXXX about my money being deposited into a fraudulent XXXX site, and was told that they will escalate this matter so that it could be solved urgently due to it being a high amount of money. So now Im out of {$500.00}? 

I was recommended this XXXX site ( which I didnt know was fraudulent at the time ). I had to deposit a specific amount of XXXX into the account for verification they claimed.. once I did that I noticed that I wasnt verified yet after doing so and spoke to a chat representative. They told me that it had to be the exact amount or it wont work so I had to deposit another amountexactly this time. At the time I thought nothing of it because my thoughts were Im going to withdraw everything anyway once verified. Finally, I received a pop-up claiming that Ive been notified. I went to withdraw everything from my account which was only {$500.00} worth or bitcoin and they added $ XXXX and at that point I knew it was fraudulent. I had to purchase the bitcoin vis Mercury.io so when I went to report fraud, they told me to contact my bank HENCE me contacting chimeXXXX XXXX 
The fraudulent XXXX site is called XXXX. Im sure theyve l changed their name by now..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have been currently using PayPal for family and friends, sending and receiving funds when hurrricanes were hitting in different states. Some use the PayPal on tap pay due to the banks being closed. However, PayPal has limited my account basically restricted to were I can not receive funds, nor I can withdraw them. They are telling me that I cant do anything until XXXX  days, which is XXXX months. I really need the funds off of my PayPal due to reasoning with friends. They are saying that I can not refund the friends. I do not want to pull from my own account when I have it on PayPal. I want to get the money off there, and they are saying theres no way around it. Is there anyway you guys can handle my claim, and I can withdraw my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: MI

Complaint narrative:
I had XXXX  back in XXXX, I just got this ghost debt notice from cbamacon.com trying to collect debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2024-11-30 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: AL

Complaint narrative:
in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-30 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Back on the night of XX/XX/XXXX, I was out with friends and my XXXX and wallet were stolen from me. Over the next few days, over {$7000.00} in charges were rung top on my Apple Card because the passcode to bypass the XXXX feature on the XXXX was my birthday, which was on my driver 's license. My license was in my stolen wallet, so any savvy thief could have easily deduced how to access Apple Pay on the phone regardless of the XXXX protection. For nearly 18 months now I have had to call the Apple Card/Goldman Sachs fraud line every 90 days to have these charges removed. They repeatedly make me go through the process of sending the police report and statements from my other credit card provider ( XXXX XXXX  ) showing that THEY removed the fraud charges incurred on that card. I also had to replace my driver 's license and create a new checking account with my bank, but Goldman has repeatedly investigated and told me that it was ME who spent this money. I have also told them that the businesses that the money was spent at were far outside the normal spending habits I had built ups on the card. As an Apple Card, it was primarily used to finance Apple products, with the rare purchase at XXXX, where I was employed at the time, or a rare fast food purchase. Today, XX/XX/XXXX, I received another round of emails telling me my fraud disputes were denied once again. I am attaching the police report, the email initiating my closing of the first checking account, and the XXXX statement for your reference. Please contact me if you have any questions and I am more than happy to speak to you about this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : XXXX. Proof that I owe the debt and that the amount is accurate. XXXX. The name and contact information of the original creditor. XXXX. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm. a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : XXXX. Proof that I owe the debt and that the amount is accurate. XXXX. The name and contact information of the original creditor. XXXX. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

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 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : XXXX. Proof that I owe the debt and that the amount is accurate. XXXX. The name and contact information of the original creditor. XXXX. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm. a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : XXXX. Proof that I owe the debt and that the amount is accurate. XXXX. The name and contact information of the original creditor. XXXX. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

Company response to consumer: Closed with explanation