vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me CBNA XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX  XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX not authorized by me XXXX XXXX XXXX XXXX different unauthorized hard inquiries not authorized by me

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX and XXXX accrued illegally during the investigation Period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX and XXXX  accrued illegally during the investigation Period

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 2024-03-02 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me Ally Financial XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX not authorized by me XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiries not authorized by me

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Approximately a week ago I filed disputes in regards to aliases and old addresses with the credit bureaus Experian and XXXX. I asked them to remove inaccurate information and I provided my California identification which provided my accurate address and correct spelling of my name I said in the dispute please remove all other variations of my name or aliases and please delete all addresses not reflecting on my California license or ID

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: TX

Complaint narrative:
I received my consumer report from this company and there are many violations of my rights as well as federal law.

Per 15 USC 6809 ( 4 ), nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

Per 15 U.S. Code 6802, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 
It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. 

All inquiries being reported are to be deleted from this report as it is illegal. 
The collections account from XXXX XXXX XXXX XXXX is to be deleted as it is a violation of FDCPA to report an account without proper validation of debt. I have not been contact by this firm and they have no valid claim. 

XXXXXXXX XXXX XXXX  is reporting late payments which is a violation of federal law. Transaction history can not be reported on a consumer per the Privacy Act of 1974 and 15 USC 1681 and 15 USC 6802. 

A charge off is considered a certificate of indebtedness which is considered income to the IRS. Income is not reported on a consumer report so both accounts in charge off status, XXXX XXXX XXXX and XXXXXXXX XXXX, need to be deleted from this report. 

I did not give any of these companies consent to report any of this information. I never gave Corelogic the right to report any of this information using my identity.

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 2024-03-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Got a {$20.00} gift card sponsored by XXXX XXXX  for XXXX. Went to XXXX 's and tried to use it. It was denied. Called the number on the card. Was disconnected XXXX and the XXXX time on hold XXXX minutes while representative tried to get the card to work or approved by someone. First was told to try another XXXX 's, then another store all together. After close to XXXX minutes, gave up. XXXX  # XXXX XXXX XXXX XXXX through XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CADENCE BANK
State: TX

Complaint narrative:
A check I mailed to a client was stolen and fraudulently cashed. The check was written on XX/XX/2023 and cashed on XX/XX/2023. Check number XXXX for XXXX Made out to XXXX XXXX I filed a claim with XXXX XXXX and after working though the contradicting instructions from their representatives the claim was submitted in XXXX. Check number XXXX for XXXX was written and cashed on the same dates to the same recipient. Several months ago I received the money back for check XXXXXXXX. XXXX XXXX keeps telling me that Cadence bank 's investigation is pending but refuses to share with me the details that Cadence bank sent in their update because " customers cant speak to that department ''. I received a call from the check casher 's ( XXXX XXXX XXXX XXXX ) Collection department ( XXXX ) Who was calling to collect the funds on the check ( meaning that they never received the funds from Cadence Bank ) The collection department also informed me that the check was cashed by a " XXXX XXXX ''. It is pretty easy to see that Cadence bank still has the funds, XXXX XXXX has been completely incompetent from start to finish and XXXX XXXX XXXX XXXX cashed a check fraudulently signed for by XXXX XXXX that was addressed to XXXX XXXX. I haven't been able to get any update the last 6 months other than " Cadence Bank 's investigation is still pending and we can't share the details in the note they send us because that department doesn't talk to customers '' Even tho I was paid months ago for check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the XXXX  date, date of XXXX activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: NC

Complaint narrative:
Per the the debt Validation letter that was sent to this company, I requested pertinent information. 

1. **Verification of Debt Ownership** : I am requesting a copy of the purchase agreement, delineating the terms and conditions of the transfer. *Refusing, or failing, to produce the purchase agreement will be treated as suppression of vital information.

2. **Chain of Assignment** : Provide a meticulous and chronological chain of assignment, elucidating the successive transfers of the alleged debt, including specific dates and the identities of the parties involved.

3. **Copy of the Bill of Sale** : I request a copy of the bill of sale pertinent to the transaction, outlining the transfer of the alleged debt with all associated particulars.

4. **Itemized Accounting of the Alleged Debt** : Furnish a detailed and itemized accounting of the alleged debt, encompassing principal amounts, interest charges, fees, and any other pertinent details.

5. **Copy of the Contract of Sale** : Kindly provide a copy of the contract of sale relating to the transaction involving the alleged debt, incorporating all terms and conditions governing the sale.

6. **Notice of Mandatory Arbitration** : In the event of any contemplation of legal action, I request explicit information concerning the existence of a mandatory arbitration clause. If such a provision is applicable, please furnish details on the initiation of arbitration proceedings.

Since debt collectors purport fraud at extraordinarily high rates the included items are necessary to the validation of this alleged debt. This company failed to provide item 1, item 2, item 3 ( without redacted information, also does not specify if it pertains to the alleged debt ), and item 5. This company has seemingly omitted pertinent information for its own gain and unjust enrichment. I demand the information that was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NJ

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: DISCOVER BANK
State: CO

Complaint narrative:
They did the worst job with Dispute  # XXXX. I tried with XXXX for the first time for my XXXX XXXX trip. It was supposed to be a 1-bedroom apartment that was advertised as CLEAN. However, that was not the case. The place was full of the little bugs, anywhere on the floor, bedroom, and bed. The bed featured dead bodies of bugs and moving bugs. I was able to find the bugs anywhere and any second. We were forced to find an immediate place to stay that night, and we stayed in that unit for less than 2 hours. 
After complaining to the host the next day, she canceled our reservation without confirming with us that we wanted to cancel at all!!! She also refused to reply to my messages all the time and only replied when I complained to XXXX about no answers. And of course, this scammer refused to refund me anything. 
As a consumer and customer of Discover, I thought I had Discover at my back, but I was wrong. After submitting all the evidence that the unit was full of bugs and the host 's cancellation without confirmation, Discover still trusted the host and decided to charge me the full amount for a bug-filled unit that I stayed for less than 2 hours. OR they are saying we ABSOLUTELY SHOULD live in such a place and all human beings SHOULD be living with bugs all that time. Discover would be among the worst credit card companies with the worst support to their customers in resolving cases for service that did not receive issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Approximately a week ago I filed disputes in regards to aliases and old addresses with the credit bureaus XXXX and TransUnion. I asked them to remove inaccurate information and I provided my California identification which provided my accurate address and correct spelling of my name I said in the dispute please remove all other variations of my name or aliases and please delete all addresses not reflecting on my California license or ID

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 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Sigue Corp.
State: TN

Complaint narrative:
I used this company to send money to XXXX but when I sent the info to my relative so they could take the money out there wasnt any money. And now they said they were out of business but they would send me a check its been 2 months and i havent received the check yet. So now theyre are not returning my {$400.00} back. Nor did my relative receive the money. The company name is Sigue Corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had an American Express opened under my SSN which was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an account on my credit report from Wells Fargo auto that is not my account I have never applied for it and believe this account is identity theft or some type of fraud. I have been in touch with Wells Fargo on numerous occasions to have this account updated and removed from MY credit report I have already submitted FTC report and police report to them and they refuse to remove this account from my credit report they are violating my rights and I am now forced to have to take legal action against them. The account is listed below. 
*WELLS FARGO # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IA

Complaint narrative:
I filed a discrepancy/dispute about the debt this company says that I owe them. The reasoning for this debt is due to mistakes made, and agreement not fully concluding on the companys side. I received telephone service through XXXX, however decided it did not perform to my needed standards. Therefore I returned the phone within the XXXX period issued in agreement, however they kept the cell phone line account active when it was terminated. 

This debt was then sent to this Debt Collector, with many written attempts to collect debt. Debt was disputed through XXXX XXXX and removed. Even after having debt removed from the Debt Collector agency Jefferson Capital I am still receiving attempts to collect debt along with an offer for an unsecured credit card. I do not want any further communication from, or mail sent to me by them since this debt was removed on all accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: MD

Complaint narrative:
I filed a dispute with Chime on XX/XX/XXXX, regarding a personal trainer stealing my money. Originally I was set up to receive physical training services on XX/XX/XXXX. The physical trainer, XXXX XXXX of XXXX XXXX, assured me the funds ( {$340.00} ) were meant to come out the day before I started services. I needed to make a change in the start date, due to personal reasons. I reached out to XXXX on XX/XX/XXXX at XXXXXXXX XXXX to push back the start date. Shortly after that, I realized he already charged me the {$340.00} via XXXX, at XXXX XXXX. Considering the start date was set for XX/XX/XXXX, and I was supposed to be charged a day before, there was no reason whatsoever that he should've charged me on XX/XX/XXXX. After consistently calling and communicating back and forth with Chime regarding the dispute, I have yet to receive any assistance with obtaining my funds. I have shown proof that XXXX said he would refund me and then proceeded to start ignoring me. I have trusted Chime and have been a customer for several years, and Chime has done nothing to show me that they appreciate my patronage. Chime is supposed to protect its customer 's funds. That's what banks do. I need this situation to be remedied immediately. I'm not sure how Chime has allowed this to go on so long. I'm attaching screenshots of the communication between XXXX and me ( which I provided to Chime ) ; as well as proof that when I would reach out to Chime, they would respond via email and do absolutely nothing to assist me ( I've attached 6 of 12 communications that occurred between XX/XX/XXXX and XX/XX/XXXX ). I also attached a screenshot of my calls to Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I have an account on my credit report from XXXX XXXX XXXX that is not my account I have never applied for it and believe this account is identity theft or some type of fraud. I have been in touch with XXXX XXXX on numerous occasions to have this account updated and removed from MY credit report I have already submitted FTC report and police report to them and they refuse to remove this account from my credit report they are violating my rights and I am now forced to have to take legal action against them. The account is listed below. 
XXXX 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 explanation