vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year> I purchased insurance through XXXX XXXX XXXX for, {$20.00} and {$450.00}. This was for automotive I was purchasing from a used car lot. I went back the next day to take possession of the car I was purchasing and was told they sold it to someone else. I never took possession of the car. The insurance company stopped the insurance on XXXX XXXX when they tried to take an additional {$200.00} out of my account. That's when I called them and explained what happened about never taking possession of the car. Originally they weren't going to back date the insurance they sent me a check for {$84.00} instead of the {$450.00}. That's when I disputed the charges with Chime. As soon as I disputed the transaction I spoke to the insurance company and they said Chime had the money back that I needed to send them the {$84.00} for the check that was originally sent to me. Then we'd be even and th transaction would be over. Well Chime has had my money for over a month my now. I've asked for updates, I've inquired numerous times to chime about the money and can't get any answers at all. I don't understand. How they could give me the, {$20.00} back the next day but the {$450.00} they're holding it n to for months now. WHY? If they were really investigating these claims and they were together made at the same time same date to the same company how can they return one right away but hold up the other one for months especially around XXXX time. I'm homeless, jobless, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I could really really use my money back. It would be a big help to me and my family. 
I appreciate you looking into this for me, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Lowered available credit limit, on two separate cards, without warning, therefor making credit look as if it is maxed out. Never have been late with payments. Have a XXXX credit score, and only reason, is because they " looked '' into my spending habits. This isn't a just cause, and by maxing out my available credit use with credit reporting agencies, my credit rating will fall. And, I fear now, they will want to raise my interest rates also, because I'm " Maxed Out ''. I'm furious .... I look after my credit and use it appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding several unfamiliar accounts that have appeared on my credit report following my exposure in a national data breach. Despite my proactive efforts to address this matter, I have not received satisfactory assistance, and I am seeking your intervention to resolve the issue. 

Following the data breach, I reviewed my credit report and identified accounts that I did not open or authorize. In response, I submitted a written request to the credit bureaus, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), to validate the debts associated with these accounts. However, I have not received adequate documentation or validation confirming the legitimacy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Prepared Press Call Remarks of CFPB XXXX XXXX XXXX on the XXXX Lawsuit Announcement By XXXX XXXX XX/XX/year> This speech was posted today and all that is contained in the speech is exactly what transpired in our situation. Multiple XXXX transfers, unknown to myself were completed. I have tried to rectify this with Wells Fargo, including hiring a private attorney to no avail. The lack of proper security protocols required to be set by current laws and procedures lead to a false sense of safety on my part. Wells Fargo failed to properly protect my finances all the while placing blame on myself. 

XXXX has been proven time and time again to be a failure in all aspects. This was evident in CFPB XXXX XXXX XXXX on the XXXX XXXX XXXX XX/XX/year>. Wells Fargo has failed to safeguard my accounts subsequently fraudsters were able to gain valuable and personal information and remove from accounts multiple thousands of dollars.

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 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I pulled my credit report and noticed that resurgent lvnv funding has been harassing me with repeated phone calls threatening as well as trying to contact me threw my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
Upon checking my credit report I noticed an unusual account stating that I was leasing a phone and that a balance of XXXX was owe. I have never and I repeat never leased a phone, so immediately I knew this was apart of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion blocked my credit report and score for over 7 years so far and they denied me access to my report until now. 
I did file a complaint with cfbp and I have been informed that I was a victim of fraud for 7 years and unil now. 
I can not rent or buy or get any loan for 7 years even car insurance was denied because of them. 
I'm not a victim of fraud for 7 years and ongoing if they keep me blocked from my credit report and score. I became a victim of the froud of Transunion they are running scams and discrimination against me for no reason.

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 2024-12-21 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I believe the accounts and inquiries listed below were established or made fraudulently and without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information. 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$00.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$00.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I believe the accounts and inquiries listed below were established or made fraudulently and without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$00.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one mortgage, credit card and XXXX XXXXXXXX XXXX must admit their records are fraudulent of a foreclosure sale in XXXX is false and after due diligence of going to XXXXXXXX and after putting in my last name XXXX, zip code XXXX and Loan number XXXX that you are confirming on the CFPB portal I am the owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Dates of delinquency that do not align with the accounts actual payment history. 
Reporting errors inconsistent with records from other credit bureaus. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
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 2024-12-21 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was never late on the paid off account listed above Please show me documenration showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If you can not supply this, please delete this alleged late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MI

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

Reporting inaccurate information violates 15 U.S. Code 1681s-2, which prohibits the reporting of incomplete or inaccurate information to credit bureaus.

Summary of Errors and Discrepancies : Account Number : XXXX. 
High Balance : {$0.00} ( discrepant from other bureaus ).

Balance Owed : {$170.00}. 
Date of Last Payment : XX/XX/XXXX. 
Two-Year Payment History : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Account Description : Secured credit card, marked as " Amount in XXXX column is credit limit, '' but conflicting details in payment timelines and balances. 
Impact on Creditworthiness : The discrepancies in the reporting by Equifax have caused significant damage to my creditworthiness, leading to denial of financial opportunities and undue stress. Accurate and complete information is critical for fair treatment in financial decisions.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction.

Assurance that the reporting will be accurate and consistent moving forward.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consu
mer files, which has not been upheld in my case.

Reporting inaccurate information violates 15 U.S. Code 1681s-2, which prohibits the reporting of incomplete or inaccurate information to credit bureaus.

Summary of Errors and Discrepancies : Account Number : XXXX. 
High Balance : {$0.00} ( discrepant from other bureaus ).

Balance Owed : {$170.00}. 
Date of Last Payment : XX/XX/XXXX. 
Two-Year Payment History : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Account Description : Secured credit card, marked as " Amount in H/C column is credit limit, '' but conflicting details in payment timelines and balances. 
Impact on Creditworthiness : The discrepancies in the reporting by Equifax have caused significant damage to my creditworthiness, leading to denial of financial opportunities and undue stress. Accurate and complete information is critical for fair treatment in financial decisions.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction.

Assurance that the reporting will be accurate and consistent moving forward.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission 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 2024-12-21 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission XXXX

Company response to consumer: Closed with non-monetary relief