vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: IN

Complaint narrative:
LoanCare, our previous mortgage holder, sold our mortgage to XXXX. 

The last month of paid to LoanCare for the mortgage was XX/XX/XXXX and the first month of mortgage paid to XXXX was in XXXX and even then they tried to charge us twice our normal mortgage cost because they couldn't figure out how to transition things properly. 

Recently XXXX gave me a year of XXXX XXXX to monitor my credit after they got hacked and my personal info was leaked. 

According to XXXX I have 2 real estate accounts open, my current mortgage holder XXXX and my old holder, LoanCare but it shows the account is still open. 

I called LoanCare on XX/XX/XXXX to tell them it still shows up on my credit report and that they need to close. They told me I have to write to Loan Care Attn : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And give them my previous loan number and/or address to have the account closed and taken off my credit report. 

It's ridiculous that a company should be allowed to handle something so vital to a person, their very home, when they could potentially damage their credit and can't even properly close accounts when selling/transitioning. 

Is this a company with stock holders? Are they reporting more accounts than they actually have? I question the ethics of this company and think their " negligence '' is actually intentional.

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 2024-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
I signed up to get my XXXX XXXX at XXXX XXXX XXXX. They took pictures of my teeth and sent me a box of retainers in the mail. I was told not to worry if they dont fit because the doctor will size them for me and trim if needed. 

From the third pair of retainers on, my gums were cut by the retainers. I assume they needed sizing. That is when I found out that XXXX XXXX XXXX had gone into bankruptcy and closed down. I reached out to them and was told they had no one to see me, but would let me know when. During this time. I continued to be charged monthly and am still being charged monthly for the retainers. I disputed the charges then received a letter from Healthcare Finance Direct ( HFD ) XXXX XXXX XXXX that threatened me that if I did not pay, I would be sent to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: OH

Complaint narrative:
Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there are several fraudulent / unauthorized inquiries listed : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I, XXXX XXXX am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.

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 2024-04-15 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/2024, at XXXX XXXX  I received a text alert from Ally Credit Card about suspicious activity on my credit card. I was asked if I made the purchases, and I responded XXXX ( no ) the charges included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX {$600.00}. After the alert, I attempted to contact at the number provided, but customer service was unavailable ( weekend ). 

I followed up on Monday, XX/XX/2024, and with someone in the fraud department and advised of the situation. I was told that these charges would be investigated, and my card would be canceled ( # XXXX } and replaced with a new one ( # XXXX ). After a few days those aforementioned charges were removed and sometime later, I received a new card. 
However, after reviewing my statement for the month of XXXX, noticed another XXXX charge in the amount of {$550.00} which was made on XX/XX/2024. I contacted the fraud department on four different dates, and I was told on the first and second call that the case is being investigated and it should be resolved within 30 days. I advised that I was concerned about the interest that would accrue as well as the effect on my credit score. I was told that interest would be removed when the case is investigated. I asked for a claim number and was not given one. 

I called back on XX/XX/2024 and spoke with XXXX and she said they had 90 days to resolve it. I asked for a copy of this disclosure she was reading from and a supervisor and was given neither. She did not assist, only stated that she would look into it. I asked for a call back and she refused. I advised her that this charge was likely a part of the original fraud claim. She did not agree or disagree. I called back on XX/XX/2024, and spoke with XXXX and she did not provide any assistance or new information. 

On the same day, I was told by a customer service representative ( not in the fraud department ) that there were no notes or reference number related to my claim. However, she kindly stated that she would add notes.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.

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 2024-04-15 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: 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.

has violated my rights. Or a list of inquiries : 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 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 2024-04-15 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: NV

Complaint narrative:
Yes I have sent in letters certified with inaccuracies on my report. These letters have been signed by the credit bureau confirming they have received them. I have disputed these account numerous time and nothing has been fixed or changed but they claim it has. There has been numerous violation with no action being taken. I demand these accounts be removed. I have a court date set in place to sue for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.

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 2024-04-15 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: 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 to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: 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.

has violated my rights. Or a list of inquiries : 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 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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CAPITAL ONE ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/2024 at XXXX I attempted to pull money out of an XXXX XXXX terminal # XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX for the sum of {$300.00} There was an error which I have confirmed with XXXX and my money wasnt dispensed.XXXX ATM directed me to contact my financial institution which is CHIME ONLINE BANKING under XXXX XXXX. I contacted CHIME immediately and was told I had to wait for the transaction to process befor filing a dispute. In the meantime I contacted XXXX ( XXXX ) and spoke with a representative and verified the error. Transaction cleared on XX/XX/2024 and I called CHIME and filed the dispute around XXXX MT. I woke up on XX/XX/2024 to a denied dispute. I called CHIME and they told me that no errors were found on their end and that I was denied dispute. I REQUESTED the documents they used in the investigation like it said I could in the email on XX/XX/2024 and was told it would take 10 days to get. XXXX has told me that as soon as I get the paperwork showing why they denied my dispute they can escalate it on my end and refund my money. Today on XX/XX/2024 I still have not received documents. I called CHIME again and was told that documents were sent on XX/XX/2024 to email listed on account. I did not receive email and asked for them to resend it. I have gotten every email from them including advertisements yet this email I havent received. I believe they are lying to me and are not doing their job. They told me they could not resend the email that I would have to put in another request that will take up to another 10 days. XXXX as informed me that CHIME has been a huge issue regarding these types of claims and that this happens all the time I am late on rent and could possibly get an eviction notice if problem isnt resolved and when I explained that to CHIME they told me the same scripted lines. I asked to speak to a supervisor and they told me the same scripted lines as well. I have called multiple times with no help.. I feel they are avoiding this situation and keeping my money CHIME has caused me a financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed fraudulent credit inquiries which where unauthorized by me and Im requesting to have these deleted from my credit report as they were without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation