vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I was contacted by Williams & Fudge regarding a debt collection attempt. I immediately responded per their instruction to dispute the debt and requested copies of the original debt, a valid basis to collect the debt, information on the incurrence of this debt including prior attempts to collect it, and when it was determined to be delinquent. I also requested a copy of any charges whether interest or fees applied by the original creditor. I also requested verification they are authorized to collect debt in the two relevant states. 

The company has failed to respond to this request, and has continued to engage in telephone calls to me leaving voicemails and sometimes not. This includes a call on XX/XX/XXXX and today, XX/XX/XXXX. I called back immediately and after listening to music for 2 minutes, the call disconnected. I then called another number and the gentleman, XXXX that called me answered. I began to state that he was not acting in accordance with the FCRA at which point he hung up. I then XXXX  the company and called the main line. The woman said she knew who I was and I began to advise her of my response on XX/XX/XXXX and the fact it was not being honored. She started yelling over me " HELLOOOO '' " OH WE ARENT DOING THIS '' and hung up. I will admit I swore at the woman out of frustration as another person was refusing to listen to me state facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
On my crypto.com account I converted ada coins to US Dollars. I then attempted to withdraw the money and transfer it to my account at XXXX XXXX. The transfer failed repeatedly stating authentication is incompatible. 

I contacted crypto.com support and was told to open another account at a different bank. I opened another account at XXXX and the new transfer failed again stating another incompatiblity exists. 

It is clear crypto.com has a serious problem and they refuse to address and accept responsibility to fix it. I requested the money to be sent to me by mail and the account closed. They informed ne they are not able to return the funds thar way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Regarding previous complaint XXXX in regards to your response : An apology is accepted however I was affected by it, by ally banks employees mistakes, I was affected economically directly. 
The informantion about the type of income should have been Disclosed at the begining of the application process, it was ally mistake that didnt get done. 
1 ) What laws did ally bank broke by not disclosing that Info? 
2 ) when was this change on type of income made? And can you provide documentation about your updated policy.? 
Id like to check that I am not being discriminated so that would avoid any time of believe that I was. 
3 ) I believe and most people would that there should be a settlement from ally bank to me regarding this issue, I was affected economically and I believe it is fair. 
I rather have an agreement than having to escalate this issue to an upper authority cause that would save us both time and info that would be public due to having the issue escalated. 
I recently received a phone call from your bank indicating somebody will contact me in regards to this issue. I was contacted because I fill out a survey indicating how I felt about the bank. Thats the reason I was contacted.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: PA

Complaint narrative:
I enrolled in the program Self about two years ago because I was trying to build my credit. I do make my monthly " credit builder '' payments on time each month. I am being charged an additional XXXX $ for a Self Cred Card that I never received in the mail, never activated it or used it before, therefore I have never paid on a Credit Card that I have never received or used. It is my understanding that they reported this to the Credit Bureau in the beginning of XXXX and I am trying to dispute this off of my credit as this is not my fault and I am trying to get a Mortgage, which this caused a huge damage in my credit score. I did try calling the company and the guy seemed to not understand anything I was talking about or asking and at the end of the call told me there was nothing they could do to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I'm continuously having issues with Transunion and XXXX removing inquiries that they're inaccurately reporting. I've going back and forth with them about inaccuracies they're reporting and am fully aware of they're violation of my consumer rights. These fraudulent and predatory practices are a hinderance to my credit worthiness and outright wrong.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize any hard inquiries on XX/XX/2022 and XXXX 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
CreditKarma is showing that my loan history for my federal student loans is current/on-time. However, I applied for a vehicle lease program with XXXX of XXXXXXXX XXXX XXXX Arkansas ( and incurred an inquiry as a consequence. ) XXXX, the XXXX XXXX that assisted me advised that my XXXX report indicated that the most recent remarks for my student loans, stated 120 days late. 
CreditKarma reports the opposite. I can not be LATE on-record, because payment extensions were extended nationwide throughout the pandemic and for isolated disasters affecting borrowers of certain areas. 

CreditKarma also reported that my XXXX score was XXXX and yet, I was still denied credit at the dealership. 

I would like very much for creditkarma to FIX any inconsistencies in their reporting, and for XXXX to correct its errors,

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX TXXXX Account Number : XXXX Please remove it 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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DigniFi
State: TX

Complaint narrative:
An account was opened fraudulently onXX/XX/XXXX with my information. I became aware of this in XX/XX/XXXX and informed Dignifi, I then received a packet to send them materials to dispute fraud. I did this in XX/XX/XXXX, I also hired a fraud protection company that also sent those same documents in XXXX XXXX 
The credit bureaus concluded after their investigation that this account was fraudulent and removed it from their records. 
However, even after nearly 60 days Dignifi continues to refuse to close this fraudulent account in my name. 
Everytime I call they appear to have no knowledge of the case, and there is no way to contact a fraud department, even though they had stated previously they received my documents. ( including in a previous complaint lodged here ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/ around XXXX XXXX I received three text messages that stated someone was trying to attempt to XXXX themselves {$800.00}. I received these text what I thought was from Navy Federal Credit Union. I gave up personal information over a what was an hour phone call because their end kept hanging up. The phone number that called me was XXXX and when I looked up that number it said it was NFCUs Fraud/Scam line so it gave me more reason to believe it was legit. I gave my social security, icloud login, name, and much more but I kept receiving texts that there was suspicious activities still going on with my account. I called NFCU two times before I went into the bank because they told me I would have to come in. From there I learned that my account was highly compromised and they took out a {$13000.00} loan in my name and pocket about {$8000.00}. I believe a XXXX XXXX XXXX from XXXX, GA was the one who scammed me because after my XXXX was compromised, his pictures was saved to my phone. I did a little research and I seen that he has been scamming since he got out of high school or even during high school. I have built up the evidence to help me support the idea that it was him. He went to XXXX  for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I'm continuously having issues with XXXX and Equifax removing inquiries that they're inaccurately reporting. I've going back and forth with them about inaccuracies they're reporting and am fully aware of they're violation of my consumer rights. These fraudulent and predatory practices are a hinderance to my credit worthiness and outright wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/ at about XXXX XXXX EST, my bank account with Chime was compromised. My phone number was changed to ( XXXX ) XXXX XXXX and I was no longer able to access it. After the change in phone number, I was notified through email that {$1000.00} had been sent to another Chime member XXXX XXXX, whom I don't know. Spoke to Chime regarding the issue of someone trying to gain access to my account about 2 weeks ago because I was getting random security code texts. Was told by Chime not to worry and my money was secure. What a joke! I tried to warn them and they allowed my account to be compromised anyway! Now I have to wait 60 days before money that is MINE is returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX- Is not reporting on this account XXXX - Account Name - XXXX XXXX - XXXX Transunion - Account Name - XXXX XXXX - XXXX XXXX is reporting the account name as XXXX XXXX. Transunion is reporting the account name as XXXX. XXXX is reporting the Agency name as XXXX XXXX XXXX Transunion is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXXs reporting the status of the account 120 Days late twice, XXXX is reporting the status of the account as 180 Days late, and Transunion does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. XXXX is reporting the last date of activity as XX/XX/XXXX, XXXX is not reporting the last date of activity, and Transunion is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

XXXX, XXXX and Transunion reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX- Is not reporting on this account Experian - Account Name - XXXX XXXX - XXXX XXXX - Account Name - XXXX XXXX - XXXX Experian is reporting the account name as XXXX XXXX. XXXX is reporting the account name as XXXX. Experian is reporting the Agency name as XXXX XXXX XXXX XXXX is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

XXXX - XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the status of the account 120 Days late twice, Experian is reporting the status of the account as 180 Days late, and XXXX does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. XXXX is reporting the last date of activity as XX/XX/XXXX, Experian is not reporting the last date of activity, and XXXX is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

XXXX, Experian and XXXX reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Experian - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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