vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: AL

Complaint narrative:
I am writing to express my serious concerns regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, severely impacting my credit score and overall financial stability.

The presence of these erroneous accounts has resulted in significant hardships, affecting my ability to secure financial opportunities and maintain a normal quality of life. I respectfully request a thorough review and correction of the disputed accounts, as maintaining the accuracy of my credit report is crucial for my financial well-being. 

I urge you to prioritize this matter and take immediate action to investigate and rectify these discrepancies. Your prompt attention to this issue is essential to restore the integrity of my credit file. 

Thank you for your cooperation and assistance. I look forward to your swift response and resolution.

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 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received an email about an account being opened on Chime, under someone else 's name, but using my email address. Over the course of that week, I received more emails containing this person 's personal home address and updates about the transactions they were making using Chime Banking. I thought it was spam at first, but decided to look into it. I now know this person 's name and where they live- which feels like a huge privacy issue, and something a company like Chime should do everything to avoid. A simple email verification would have solved the problem but that's the one email I never received from them. 

As I did not open an account on Chime using this email address, I called their customer service line ( a number I got directly from their website ) to ask that they close the account. They immediately asked for my personal information- I've never heard of nor had a reason to use Chime - there should be no reason they need MY personal information when I never opened an account with them in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
I disputed a {$250.00} transaction with chime to XXXX XXXX because the funds were never received in XXXX XXXX Chime took 2 weeks then denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX  XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Filed for modification and a year later Shell point mortgage gave a tripled amout modification of seven years art which I could not afford. They did not offer mediation or forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I financed a car in XXXXXXXX XXXX XXXXXXXX I became XXXX XXXX  XXXX XXXX in XX/XX/XXXX, which turned into long XXXX and made me unable to work. I was still able to make my car payment, until XX/XX/XXXX. I fell behind due to losing my job and extra income. The finance company Capital One Auto calls me anywhere from XXXX to XXXX times a day including weekends and holidays. I've called them and told them to come get the car and explained my situation I voluntarily asked them to pick it up. Told them to give me a date and time, because the car is a XXXX XXXX and has been broken into multiple times so I can't leave it in the parking lot, and I wanted to give them the keys. They never came to get the vehicle and continue to call for payment. I don't know what more I can do. Please help me. 

The XXXX XXXX  has been stalking my home, and following my XXXX yr old daughter and her boyfriend too work several times and sitting in her work parking lot, she is scared and has considered quitting her job. My daughter has nothing to do with the loan or the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I reached out to TRANSWORLD for Verification of Debt and only received the FIRST PAGE of a lease agreement and a bill. 

On XX/XX/year> I called TRANSWORLD and asked them to reach out to the Original Creditor for a full copy of the lease/application and the Identification used to apply for the apartment. I was told " NO '' and representatives refused to send me to a Supervisor. 

XXXX XXXX NOT HAVE THE ORIGINAL DOCUMTNTATION OR PROPER IDENTIFICATION TO PROVE DEBT** This account has been removed from most of my credit file in some areas, but remains in other areas. I am distressed that that TRANSWORLD has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the reports being sent to Credit Agencies. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be REMOVED. 

To date, you still have not fulfilled the intent of the Fair Credit Reporting Act, which requires your bureau, as a consumer reporting agency, to maintain and ensure that information " is fair and equitable to the consumer. '' The law ( 15 U.S.C. Section 1681e ) stipulates that credit bureaus will " ... follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' These requirements have not been met by your actions. You have not given me evidence that you have acted in a prompt or " fair and equitable '' manner, as enumerated below : 1. You have not submitted evidence of investigation by reaching out to the Original Creditor, and have refused to do so.

2. You have not removed any item for which no verification could be found within thirty ( 30 ) days.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it AND the identification and Social Security provided to obtain the residence ) that you have on file for the account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I sent {$4000.00} to a family member using XXXX XXXX XXXX via Zelle. It was debited from my account, but, not received to the recipient. His bank XXXX, sent an email instantly when the transfer was completed stating that the funds could not be deposited. I have been bank and forth with the bank and XXXX  XXXX Customer Service, but not one has a solution and it seems like no one wants to return the money that is in the air right now or find a solution. 

Zelle customer service told me they cant do anything about it, because it was done through my bank 's mobile app. My bank has told me that the issue is not on their end, that the money was sent and indeed it has been debited from my account. XXXX ( recipient 's bank ) stated that the money was never received from Zelle therefore they can not provide any support. My family member is registered with Zelle, phone number appears valid on the app, his name appears as well, it is not a registration issue. 

I have called everyday since XX/XX/XXXX. The transfer was initiated on XX/XX/XXXX @ XXXX XXXX  and immediately the recipient received and email at XXXX XXXX  that the funds could not be deposited or completed. It seems there is an issue with Zelle, but they have not responded, it is not the first time this has happened to other users. The money is in the air, taken from my account, but not deposited to the recipient. If they can not complete the deposit it should be returned to me, not be kept by them. Every time I speak to a Truist supervisor they state that the Zelle system shows that it should be deposited within XXXX business day, and XXXX hours pass and the system says another business day and so on. Days will keep on passing and the system will just update another XXXX hours and the issue will never be resolved. 

My bank has opened up a fraud claim, but it is not fraud, most likely it will come back as denied. Zelle does not provide any assistance to my bank either, there is no Zelle department or specialized agents in that matter. 

The bank XXXX states that they have no history of funds being sent to them, therefore nothing can be done on their end. 

I submitted an online form complaint to Zelle as well and no response either. 

If I can please receive assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX XXXX released private source data information to a third party collection agency that is located in California licensed number XXXX and are not lawful permitted to collection activities in the state of California. Violation of admissible purpose, violation for reporting false and fraudulent information on credit report with out validation and or consent. This collection agenc continues to reach out to me via text message after a cease and desist communication has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. 
XXXX XXXX XXXX Account number XXXX ) XXXX. ( XXXX XXXX XXXX ) XXXX. ( XXXX XXXX XXXX Account number XXXX ) XXXX XXXX  ACCOUNT NUMBER XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Account number XXXX XXXXXXXX XXXX Account number -XXXX XXXX. XXXX XXXX account number XXXX XXXX. XXXX account number XXXX I would like these accounts removed if no evidence is provided that I was notified 21 days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX  
ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: DC

Complaint narrative:
My account with ( XXXXXXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, my manager at work told me someone was calling the store phone for me. Another manager was there and said they were calling up to four times a day. They contacted my workplace, without permission, and consistently harassed me by calling up to 8 times in a four hour period for several weeks prior to this. I called them to inform them that I am letting them repossess my car because I can no longer make regular payments on it. Instead, they kept trying to get me to pay the whole balance and keep a car that doesnt even drive. One Main Financial harassed me over payments and harassed me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation