vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights XXXX Or 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 XXXX 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 explanation
Consumer complaint received 2023-09-08 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:
Unauthorized inquiries and incorrect names, and addresses.

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 2023-09-08 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was notified VIA email through the XXXX XXXX - XXXX XXXX XXXX XXXX  that a collection agency placed a collection charge on my Social Security number. 

I looked into the company name, Transworld Systems, and found it was a debt collections agency. I spoke with a representative there who let me know that a XXXX XXXXXXXX XXXX, XXXX XXXX, had six different accounts opened using my name and Social Security number ( I live in New Jersey, I have never visited Texas, nor do I have friends/family that live there ). I asked for the account numbers and balances at that time. I, then, submitted a fraud report with their customer support team. They let me know that they will investigate on their end and send me paperwork to process on my side. 

I went to my local police station and filed a police report which will be available for me to pick up XX/XX/XXXX or XX/XX/XXXX. I was also directed to file a fraud/identity theft report with the FTC. The next steps were to send a copy of the police report along with the FTC report to the electric company to process the dispute on their end. 

I called the collections agency again ( today, XXXX ) to confirm the information and they also provided me with the dates of end of service as well as the addresses for each account, XXXXhree of which were opened on the same day. I learned that the accounts were opened under two different companies, XXXX XXXX and XXXX XXXX, both of which are under the bigger company, XXXX XXXX XXXX. A fraud report is submitted on their side to help prevent additional accounts from being opened with my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
They are charging me 1500 % in overdraft fees far above what they covered. I have asked them to no cover any overdrafts and they told me they will cover them if they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ratchford Law Group, P.C.
State: MA

Complaint narrative:
I had a very old debt from 2013 that was bought from XXXX debt collector to another. 
The second debt collector has threatened to sue me even though I have never made a payment to them. The debt is over the statute of limitations and not required to be paid after 3 years in NH and 4 years in MA

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 2023-09-08 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:
This is the third interaction we have had. You recently said you sold this information to another company so I would like to know the company handling this. As you can see the information is incorrect on my credit. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged dbet, nor therefore any such debt, in fact therefore exist This needs to be removed from my credit. I will not let this up. As this is effecting me long term. Yes I've submitted documents to get this removed because of statement above. You have sold my information to another company and haven't provided any details to who.

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 2023-09-08 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:
This is the third interaction we have had. You recently said you sold this information to another company so I would like to know the company handling this. As you can see the information is incorrect on my credit. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged dbet, nor therefore any such debt, in fact therefore exist This needs to be removed from my credit. I will not let this up. As this is effecting me long term. Yes I've submitted documents to get this removed because of statement above. You have sold my information to another company and haven't provided any details to who.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over XXXX months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted XXXX more IDR applications ( for a total of XXXX ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: AFNI INC.
State: TX

Complaint narrative:
There are incorrect dates shown in the screen shot. Showing different dates for last active and when it was opened. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: NH

Complaint narrative:
I have contacted each credit bureau repeatedly the past year ( XXXX, Transunion, and XXXX ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.

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 2023-09-08 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I was trying to move my crypto into XXXX dollars and tried to use CoinBase. Based on the statements on the CoinBase website, I transferred {$12000.00} of XXXX on the XXXX network to CoinBase. I used the address CoinBase gave me and the transaction ID is here : https : XXXX The tokens never appeared in my CoinBase account. I have spoken to CoinBase XXXX as well as making a Formal complaint. Their response has been basically that it is my fault and there is nothing they can do. CoinBase bears this responsibility since they said that they can accept any XXXX token. XXXX is an XXXX token so it should work. While they claim that they don't support the token on XXXX and that there is nothing that they can do, in reality it would be a very easy job for someone at CoinBase with technical skills to either return the funds to my XXXX wallet or to credit them to my CoinBase wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
Calling at XXXX in the morning. My health clubs address is in Arizona. My billing address is in Arizona. Any reasonable person would conclude that I live in arizona, and thus in Arizona Standard Timezone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have been disputing multiple charges for my purchase with Lowes last XX/XX/2023. The charge amounting to {$1600.00} was not accurate, as I was overcharged by {$1200.00}. I have already provided my receipt which clearly shows the difference between my balance due and what was charged to my credit card, but Synchrony has repeatedly rejected my dispute without any explanation as to why my documentation was not accepted.

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 monetary relief
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
I was searching for a loan to pay my credit card off. I was contacted by XXXX XXXX of Prosper Funding # XXXX. XXXX told me to secure my loan that they would send me a check. The first check sent via e-mail was for {$780.00} which I was directed to put into my mobile bank account.The back of the check said ( For Deposit Only ). XXXX told me to get XXXX gift cards from XXXX and put {$380.00} on XXXX and {$390.00} on the other. When I gave XXXX the numbers for both cards he told me the second card for {$390.00} had no money on it. I called the XXXX Headquarters. They began an investigation but couldn't tell me why the money wasn't on the gift card. Then XXXX sent me via e-mail a second check ( For Deposit Only ) for {$980.00}. That money somehow was withdrawn from my account. My bank is doing an investigation of the XXXX checks which cleared in my account. My bank has put a hold on my account. My bank took {$810.00} from my XXXX check in my account. XXXX called me on XX/XX/2023 and said he was speaking to Consumer Affairs and if I came up with the {$390.00} he would get the hold lifted. The money I tried to put on the gift card is a XXXX issue. I explained to him that both of the checks sent to me were returned because they were not legitimate checks. I have contacted the XXXX XXXX XXXX, the Attorney General 's Office and Consumer Affairs and filed complaints with them. When my bank 's investigation finishes I will know where my bank account stands. I then called the Better Business Bureau and obtained the numbers for the Federal Trade Commission and the XXXX XXXX XXXX as well as the FCC. I have not filed a Police report because the gentlemen said I should wait until I have all my information to do a complete report. Then they can tell me if I have a case against XXXX XXXX loan officer and Prosper Funding for he XXXX returned checks.

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 2023-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2023, I received a " Welcome to Chime '' email prompting me to set up the direct deposit feature and another email " You're one step away from XXXX XXXX '' prompting me to finish setting up the XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2023 I called Chime Customer Service to inform them I did not initiate an account opening. The Service Representative asked me for the last four digits of my SSN, which I was not willing to provide, given the fraudulent activities that had obviously resulted in the account opening. As a consequence of me failing to provide the SSN information, the Service Representative claimed he was unable to help me and instructed me to send an email to XXXX to report the fraud and initiate the account closing process. 

On XX/XX/2023 I sent an email with my name and email address notifying them that any account ( s ) opened in my name an linked to this email address was done so without my authority and it should be closed with immediate effect. I requested confirmation of the same. 

On XX/XX/2023 I received a " How'd we do? '' email from Chime requesting a rating of the customer support experience On XX/XX/2023, I received a " Your card is on the way '' email prompting me to confirm my address. 

On XX/XX/2023, I sent another email to XXXX requesting any account in my name at my address be closed with immediate effect as I did not authorize any such account On XX/XX/2023, I received another " OK, let 's set up direct deposit next '' email On XX/XX/2023, I sent emails to XXXX and XXXX advising them of the unauthorized account opening as well as the continuing emails requesting their help to confirm the account ( s ) have been closed. 

On XX/XX/2023, I received a " You've got mail '' email advising me that my Chime XXXX XXXX XXXX  should be in my mailbox soon and again prompting me to set up direct deposit and to download the Chime app. 

On XX/XX/2023, I sent another email to XXXX requesting confirmation that the account ( s ) be closed with immediate effect. I restated that the accounts were opened without my authorization and that I have sent several emails requesting confirmation that the accounts would be closed. I also stated that I would be lodging a complaint with the CFPB. 

As of XX/XX/2023, I haven't received any communication from Chime regarding the account closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2023, I received an email from XXXXXXXX XXXX thanking me for requesting a new credit card which I never received. 
XXXXXXXX XXXX called to confirm the application which I declined, reported as fraudulent. They closed the application. 
On XX/XX/XXXX at XXXX I received an email stating that I opened an account with Regions Bank. They are in the process of closing the account. 
I have frozen my Credit with XXXX and XXXX XXXX XXXX servers were down, so I was unable to freeze my credit with them.

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