vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My taxes were deposited into my Chime account a few months ago. After I have access to my card for a while, I was about to make purchase. One morning I woke up for my daughters birthday party to make a purchase and the app said good bye upon trying to open up my app. I received an email on my SPAM folder that my account was on hold. After calling chime they gave me the reverie email. Review sent me over the documentation. I sent over ALL of the documentation that I had access to aside from the card that was connected to my account during the hacking simply because I have no ownership over that card. I sent over those documents multiples times. Chime closes my account ( after they told me I could get my funds in 30 days via check ) they then tell me because I havent completed the verification process ( with the card that was put onto my account ) I am ineligible for a check. Thats my TAX money. Im not working right now and I have a XXXX XXXX XXXX who Im raising. Im late on bills and short on food. This is literally the ONLY money that I have. Every representative that Ive spoken to has given me different answers as to when I can have my funds back, they have escalated my case and theirs still been the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
on XX/XX/2023 I have sent documentation to Experian to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off 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 2023-05-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act The XXXX Accounts Listed On The Documents, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: IL

Complaint narrative:
I recently noticed the following collection account on my TRANSUNION AND XXXX XXXX credit report : XXXX XXXX XXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.

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 2023-05-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : Fair Collections & Out XXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
i pulled my credit report and noticed several credit inquiries that are on my report that i didn't apply for. i am a victim of idenity theft. 

XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are XXXX account that show paid off but they show late payments and also shows repossession but pay in full never had late payments nor repossession if it was reposed I would of never paid it off completely it wouldn't be in my possession. 
Please update the payments to paid as agreed and remove that repossession. 
Account info Account name XXXX XXXX XXXX Account number XXXX Payment history guide XXXX  days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Repossession as of XX/XX/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
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently noticed the following collection accounts on my EQUIFAX consumers credit report : XXXX. XXXX XXXX XXXX- {$730.00} XXXX. XXXX XXXX XXXX. - {$1500.00} Prior to these accounts being listed on my consumer report and to date, I never received DOCUMENTARY EVIDENCE that the debt owed is accurate from the creditor nor credit reporting bureaus. Valid documentary evidence must be as listed under the 15 US Code 44 Documentary evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records. 

If this proof is not provided, the accounts can not be listed on my credit file as accurate and I can legally sue for incurred damages. Please note that copies of statements are not accurate proof of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
In XX/XX/XXXX paid off account, then in XXXX received a letter stating that I had a balance of over {$12000.00}. In XX/XX/XXXX I disputed the balance and received in XXXX I received a letter stating the charges were fraudulent. In XX/XX/XXXX received a phone stating that this account was sold to midland credit management. I explained to them the situation and they wouldn't hear me out. Asked them to investigate this as fraud and they stated they would and get back to me. XX/XX/XXXX received a phone call stating that the balance was still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: PA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-09 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: FL

Complaint narrative:
i pulled my credit report recently and notice unauthorized inquiries from the following companies. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There weee many last year every month they took XXXX many times

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 2023-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-05-09 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: OK

Complaint narrative:
XXXX XXXX # XXXX is reporting and doing collections illegally as XXXX XXXX is unauthorized to collect or report on my credit report in the state of 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 2023-05-09 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: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
DEPT OF ED/AIDVANTAGE Reported XXXX late payments in XXXX  for this Education ( Student Loan ) account but, per the Federal Government ( 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 ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, once through Aidvantage & twice through XXXX disputes. 

Incorrect payments reported as XXXX  days late XX/XX/2022 & XXXX  days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC
State: ID

Complaint narrative:
I took out a {$450.00} loan. Funds received on XXXX. First payment due XX/XX/XXXX. Too soon. Requested a payment extension but denied. Submitted a Revocation of Voluntary ACH Debits on XX/XX/XXXX. They acknowledged but state agreement says must be within 10 days of due date. This is not fair and was not communicated, only provided in small print of agreement. They also wrote in email " your request will be honored before the following due date ''. XX/XX/XXXX is the following due date but then double speak by stating payment will still come out of my account. I have revoked Voluntary ACH Debits but they are not fully co.mitting to my revocation that is immediate. 

They have also violated my financial privacy by contacting my employer without my clear authorization. 

I prefer not to file this complaint but they are not being direct in my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Dear CFPB, I am writing this letter to express my utmost disgust towards the blatant disregard of the law by a certain company. This company has been violating me for the past 6 months, despite me having a paid lawyer, and calling me personally even though they are aware of my attorney 's presence. This is a clear violation of the laws that are in place to protect me as a consumer. 

I am tired of the harassment that I have been dealing with, and it seems like nobody has considered my safety, time, money, or health in this matter. This is unacceptable and shows a complete lack of respect for the laws that are in place to protect consumers like me. I should not have to live in fear. 

When Wells Fargo called me not even 10 minutes after my complaint was sent, it caused me more stress and anxiety. It also let me know that they have no intentions of doing the right thing. I am asking the Consumer Financial Protection Bureau ( CFPB ) to step in and do what is fair according to their laws. 

I would like to be compensated under the laws provided to me. This company needs to be held accountable for their actions, and I am confident that the CFPB will do what is necessary to ensure that justice is served. I urge you to take swift action against this company and ensure that they are held accountable for their actions. 

I have to stand up for myself when I know that a fraud has been committed against me. I will not pay for something that was gained by deception, deceitful tactics, harassment, nor fraud. Im asking for your help. 


Thank you for your attention to this matter. 

Sincerely, 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
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently noticed the following medical collection account on my EQUIFAX, XXXX AND XXXX consumer credit report : XXXX XXXX XXXX XXXX for {$990.00} This account was previously listed, and disputed, under a different company called XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$990.00} made between me and XXXX XXXX XXXX, please provide me with such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: MI

Complaint narrative:
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 To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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