vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I am a victim of identity theft and did not make the charge. I request that the items be deleted to amend my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
Hi XXXX, We noticed some suspicious login activity relating to your Chime account. A hold has been placed on your account ( s ) until we can verify this activity. 

Please see below for further details and instructions on how to submit an appeal to lift this hold. 

What Happened During routine monitoring of accounts on Chimes platform, we noticed suspicious login activity on your Chime account. 

What We Did A hold has been placed on your account in order to safeguard your funds. 

How This Affects You This hold will remain in place until your identity can be verified. Unfortunately, you will be unable to use your Chime XXXX XXXX XXXX or sign in to your account on the Chime website or mobile app during this time. 

What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : A copy of both the front and the back of your primary government-issued photo ID ( such as a Drivers License or State ID card ). 
A photo of yourself ( selfie ) holding your photo ID and a piece of paper with your name and todays date written on it. 
Proof of the social security number on file. 
Confirm the email address that should be on file. 
XXXX XXXX for Appeal Review of your appeal will typically be completed within XXXX business day of receiving all verification items. 

Please note : Additional items may be requested after initial review if your documents do not sufficiently verify your identity. The timeline is typically extended by XXXX to XXXX business days for each additional submission. 

How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in XXXX, XXXX, or PDF format ( we do not accept XXXX or other document formats ). 

If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. 

Sincerely, The Chime Team What do I do when I haven't gotten a new ID yet? Would my work badge work that has a picture on it? Please let me knpw. 

don't have a copy of my social security card it is being mailed to me. If you have any questions please let me know. 


It just keeps going on like this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 I took a check to deposit into my checking account for the amount of {$4600.00}. The check was from someone who bought a snow plow from me off XXXX marketplace and overnighted the funds to me. The teller named XXXX in The XXXX NJ bank branch cashed the check with no issues and said the money will clear in a few days. On XX/XX/2021 money in the amount of {$4600.00} cleared in my account, at which point I was able to withdraw {$600.00} with the same teller as well as move {$2000.00} into my savings account. On XX/XX/2021 I went back into the bank with the same teller to remove money from my checking account, at which point the teller named XXXX who has helped me through this entire transaction process tells me my account is overdrawn {$2600.00} for a returned check. I asked how is that possible when the funds were made available to me? She said the check was a fraudulent check and was sent back. I asked the teller why she didnt put a hold on my check until the funds were properly checked by the other bank, which in this case is XXXX XXXX The teller had no answers for me. She apologized about not putting a hold on the check, which she should have because that is to protect me and my account. I have been a member of this bank in good standing for 15 years and I was treated terribly. I had to file a police report for the snow plow I was out and now for the money XXXX XXXX refuses to help me get back. I have tried talking to the highest person in charge, I get the run around.. no call back nothing. I am so disappointed in this situation. The bank froze my account to try and see what they can do to rectify this problem. Ive had my account frozen for three weeks now! This is so unacceptable.

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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
Reliable Credit is reporting a charge off on all my credit reports after selling the account to XXXX XXXX agency. 

They are continuing to report inaccurate and false erroneous information to XXXX, XXXX XXXX XXXX. 

Balances that they reported are inaccurate after selling the debt, dates that supposed information they alleged are all different amongst all XXXX Credit bureaus. 

So much inaccurate reporting that is against the law and the guidelines with the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
An unauthorized wire practices with the intention of collecting on a debt the business with not otherwise authorized to collect. 

( SEE ATTACHMENT ; DETAILS, EXHIBITS )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
on XXXX-I spoke with SW Credit Systems in XXXX TX and agreed to pay the reduced amount of {$80.00} for the so-called money I owed to XXXX for {$120.00}. My XXXX XXXX has dropped to XXXX. I have never had XXXX XXXX. I appreciate any assistance that you can assist with. The collection is still on my account for all 3 Credit Bueraus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
A few months the ago I had tried to resolve unexplained charges to my relia card for the XXXX time. I had not received any answers or any contact at all I never got statements as well and getting online to check my account was a night mare. Sadly I'm still trying to resolve charges that go back as early as XX/XX/2021.

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 2022-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: GA

Complaint narrative:
On XX/XX/XXXX flagship called me on off the dialed system XXXX times. I picked up every time and it connected and the call hung up. The XXXX and XXXX call a rep answer i told both reps that they keep calling I have a payment already pending on file and to stop calling. This morning at XXXX am. Flagship called again. I explained to them i will be filing a complaint with I also informed the rep yesterday. Be a this is a fdcoa violations. They already spoke to me XXXX yesterday I asked not to call me again and I have a payment on file. I asked to speak with a manager and the rep said she was too busy.

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 2022-01-14 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: IN

Complaint narrative:
After submitting numerous documents and disputes, Transunion continues to report bad information. These disputes are not being looked into. They are not removing them despite the evidence submitted.

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 2022-01-14 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: AES/PHEAA
State: VA

Complaint narrative:
I was just told by AES, my student loan processor, that none of my loans are subject to Biden 's executive precluding interest due to a " loophole, '' and that no letter, e-mail, or communication to borrowers was sent out regarding this. 

The loophole is that even though my loans are Stafford loans ( they are identified as so on the AES website ), they are not " held by the Dept of Education '' and therefore not subject to the XXXX. All information I can find suggests that Stafford loans are held by Dept of Education ( even XXXX defines them as loans " offered from the United States Department of Education to eligible students enrolled in accredited American institutions of higher education to help finance their education '' ). 

This is a deceptive business practice for which no notice was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I am a victim of identity theft and did not make the charge. I request that the items be deleted to amend my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma
State: NJ

Complaint narrative:
See attached package including a XXXX XXXX, received by company as verified by USPS XXXX of Mailing Form XXXX with a postmark date of XX/XX/2021. 

SARMA received the instrument and responded ( see last page of packet attached ) by saying they were ceasing and desisting all collections and have returned the account to their client.HOWEVERThey, along with their client, XXXX have kept the instrumentwhich facilitates discharge according to UCC 3-603 Tender of Payment. They did not send back anything other than the correspondence attached. 

Not only have they and XXXX violated numerous 15 USC laws such as : 15 USC 1692c ( a ) Communications without prior consent. {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$24000.00} 15 USC 1692b violation stating consumer owes debt {$1000.00} 15 USC 1681b Furnish consumer report circumstances and no other {$1000.00} 15 USC 1681s Responsibility of furnished of information {$1000.00} 15 USC 1692e debt collector {$1000.00} 15 USC 1681i treatment of inaccurate / unverifiable information {$1000.00} They have sent these documents through the United States Postal Service [ 18 USC 1341, 1342 As of the date of this complaint, neither SARMA, nor XXXX has returned the instrument tendered on XX/XX/2021 as verified by the USPS postmarked Certificate of Mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NC

Complaint narrative:
I have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?

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 2022-01-14 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: NC

Complaint narrative:
I have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?

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