vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I just happened been able to use the card to buy anything so its really no used to me. When I called American Express they even had no real answers for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Please reference CFPB Complaint # XXXX and Complaint # XXXX for any missing details and information. Also FTC report # XXXX. 

On approximately XX/XX/year> Chime and XXXX conspired to close XXXX accounts I opened with them. I was told that I violated the terms of the account agreement yet no one can specify which terms were violated. From my knowledge none of the reasons given apply to me and my accounts. 

Chime and XXXX alleges that funds were returned to the IRS ( the source of the funds ), despite a trace initiated by the XXXX XXXX XXXX XXXX using FS Form XXXX ( attached ) showing that the funds still sat with XXXX. 

I sent all requested documents and information to Chime and XXXX verifying the source of the funds, as well as my identity, however Chime continues to reiterate that their user account agreement was broken and that my funds are not eligible for a refund. 

I have attached several email threads detailing more of this matter and the correspondence between Chime, XXXX and me. At some point the company stopped even replying to me via email. I have filed complaints also with the XXXX, the FTC and the XXXX. I believe I also filed a complaint with the XXXX  XXXX XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
Wakefield & Associates claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is missing, XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The date should reflect the date a last payment was made and should be accurate across each bureau as there is only one furnisher They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as Wakefield & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC1681 Accounts : XXXX XXXX XXXX  # XXXX, XXXX  Lending # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

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

15 USC 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 antedate the report by more than 7 years 15USC 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 accurate.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC1681 Accounts : XXXX XXXX XXXX  # XXXX, XXXX  Lending # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

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

15 USC 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 antedate the report by more than 7 years 15USC 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 accurate.

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 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding, Account # XXXX is reporting fraudulent inaccurate information on my credit report. i have requested that they provided the purchase agreement to show full ownership of such account and also documents so I May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

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 2024-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-11-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC1681 Accounts : XXXX XXXX XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

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

15 USC 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 antedate the report by more than 7 years 15USC 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 accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Focus Financial refuses to respond to any mail I mailed them a certified letter and still no response. This company once again never notified of the debt in which that would have given me time to dispute the debt and it would have never made it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased my house in XX/XX/XXXX. It was an escrowed mortgage, and the bank should pay the premiums for my insurance. After XXXX  was hit with a very cold weather in XX/XX/XXXX, the pipes froze an broke, causing major damage to the house. I called the insurance to make a claim and found out the mortgage company failed to pay my premium and the insurance was cancelled. 4 years and thousands of dollars in materials and contractor fees I am still dealing with repairs caused by this and I don't have anymore resources to keep doing this as I realize this is why the mortgage company requires insurance and I should not be the one paying.

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 2024-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have mailed XXXXXXXX XXXX XXXXXXXX and they still are furnishing this collection on my Experian and XXXX XXXX reports. I never received any notification that this was being added to my credit report in which at that point I would have disputed the validity of the account and it would have never made it on my report. Addittionally I have disputed with them and they still have left it reporting on Experian and XXXX for months. Also on XXXX they only have the account number listed and no contact information for who the Debt Furnisher is so I have to figure out it was them who reported to XXXX by noticing the same account number.

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 2024-11-13 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: PA

Complaint narrative:
I request your support regarding the incorrect account reported on my credit file. This has affected my standing as a customer, and I need your help. I want these accounts removed, as they are inaccurately and negatively listed.

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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank , N.A . has charged off my credit account but has not supplied me with a 1099C form is thus committing fraud. Is now suing me for compensation for what they have considered a loss.

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 2024-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Received these replacement cards and they're locked, so I still can't use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding Chase Banks handling of a fraudulent check transaction that has yet to be resolved. 

Background : I issued a check to my mortgage bank and mailed it. Unfortunately, the mail was stolen, and an individual intercepted the check, altered it, and created a fraudulent check in the amount of {$2100.00}. Chase subsequently processed this fake check. Upon discovering the unauthorized transaction, I promptly contacted Chase. 

Timeline of Events : In my initial calls to Chase, I was assured that the case would be addressed and that I would receive a reimbursement within ten days.

After ten days had passed, I followed up, but Chase informed me they needed more time and promised the funds would be returned by the end of XXXX. 
On XX/XX/XXXX, I contacted Chase again, but I was asked to send a picture of the original check and was again told more time was required for further investigation. 
Despite Chase acknowledging that the person responsible is a Chase client, and it being evident that this was a fraudulent check, the bank has delayed returning my funds. I believe that Chase should have reimbursed me while they continued their investigation rather than delaying restitution, especially given that the fraud is clearly documented.

I am requesting CFPBs assistance to ensure that Chase promptly refunds the {$2100.00} and resolves this issue. Chases prolonged handling of this case has been stressful and has impacted my financial well-being. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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 15 USC 1681I - 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 XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2024-11-13 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: TX

Complaint narrative:
Upon reviewing my credit reports from the three bureau 's. i discovered some instances of late payments for an account ( XXXX XXXX ) for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following accounts. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time/paid as agreed as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.

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 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Self Financial Inc.
State: PA

Complaint narrative:
XXXX of XXXX  its reporting of a balance of XXXX for a personal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint because [ Debt Collectors Name ] has failed to provide adequate validation of an alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). I requested validation of the debt as outlined in 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection activities, including credit reporting, until they provide sufficient validation to confirm the debts legitimacy and their right to collect it. The response I received does not meet the FDCPAs validation requirements, as it lacked essential documentation. Specifically, the debt collector failed to provide : 1. Proof of Ownership of the Debt : The debt collector did not provide a chain of title or any documentation showing how they legally acquired the right to collect this debt. Under 15 U.S.C. 1692g ( b ), this proof of ownership should include bills of sale, assignment agreements, or other documents demonstrating the debts transfer from the original creditor to each intermediary and ultimately to the current debt collector. Without this documentation, there is no evidence they have the legal authority to pursue collection. XXXX. Assignment Notice : The debt collector did not include any assignment of authority documentation confirming their legal right to collect this specific debt. This assignment notice should reflect the authorization from either the original creditor or intermediary parties, further supporting the requirements of 15 U.S.C. 1692g ( b ) for debt validation. 3. Original Account Information : The documents provided did not contain essential details from the original account, such as the original creditors name, account number, itemized balance breakdown, or terms and conditions of the debt. Such details are necessary to confirm the legitimacy of the debt and to verify the amount claimed, as required for full validation under the FDCPA. Due to these deficiencies, the documents sent by the debt collector do not meet the FDCPAs requirements for proper validation. Without adequate validation, I can not verify the legitimacy of this debt or the debt collectors authority to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-13 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation