vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SG and Associates
State: MS

Complaint narrative:
This company is breaking the law trying to collect on a debt that has past the statue of limitations and trying to impersonate law enforcement to get paid this company knows they are not suppose to collect or try to collect a debt more than 7 or 8 years old breaking the law and violating the fair credit act of all 50 states

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 2024-06-21 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: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need XXXX {$100.00} case number XXXX and XXXX {$100.00} XXXX {$100.00} Case number XXXX {$100.00} case number XXXX my dispute is to be reopened because I didnt receive my order and I have called the dispute phone number at XXXX and press option 1 to get to the department that handles XXXX department but they say they denied my two disputes and I also called the customer support at wells fargo XXXX and I also asked them for an update on both disputes they also say it was both denied and I want y'all to reopen my disputes because I disagree with the decision and reinvestigation the two disputes or open a new dispute for both disputes and investigate it or change the dispute so I can get my money back for both denied disputes or give me a credit for both denied disputes for {$100.00} and {$100.00} so a total of {$200.00} in credits I am asking for back my online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX is and also XXXX Confirmation : XXXX and XXXX XXXX XXXX {$100.00} case number XXXX XXXX {$100.00} case number XXXX XXXX {$100.00} Case number XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated It was never proven to be compliant with reporting standards. Also attached will be the original letter sent out on XX/XX/year>24 that was never responded. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I disputed 9 unauthorized transaction on my debit card account 2xs. Both times the bank, Chime denied both disputes. A hacker/scammer took {$650.00} from my account with multiple transactions. I got contacted by email from XXXX  that a person named XXXX was trying to take {$590.00} from my XXXX. So I called the number on the email that said call this number if you do not know this seller. A man by the name XXXX said he was from XXXX security and will help me make sure that hackers dont steal my money. He had me download an app called XXXX on my phone and computer laptop. He then came onto my phone and computer and messed around with a lot of things saying he was securing my chime account. Then as I was on phone with him I noticed transactions coming from my account. He said it was the hackers and it was only pending so they could catch the hackers and that no money would really come out that it would go back onto my account. Then he started to delete things on my phone. Then he hung up on me. I called Chime and told them. They said that they will make note and I had to wait till money was not pending anymore. I am XXXX. Then when transactions went through I filed a dispute and 2 days later it was denied. Then I redisputed rhem and one day later it was denied. I donot want these people to get away with this the bank or scammers. I took out money the first day at a bank and they said I could not take anymore out till next day because I was over my limit. But the same day these scammers took the rest of my money out of my account and the bank allowed it. I have phone numbers and email screenshot of the first email I called from XXXX. Now the bank wont do anything to help me get my money back or catch these people. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
XX/XX/year> because I do not have the full account number of the fraudulent credit card I was unable to contact anyone at Bank of America. They have my incorrect address and a credit card on my credit report that isn't 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 2024-06-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil.

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. I specifically listed the accounts and informed them of the violations they are committing against my consumer report. It has been over 60 days since my initial dispute letters were sent, and none of the credit bureaus have provided a response. Copies of all correspondence sent are attached for your reference.

These companies have violated FCRA 623 ( a ) ( b ) by failing to mark the disputed accounts as such.

Additionally, FCRA 605 ( c ) has been violated as the reporting period has continued despite the last activity on these accounts being incorrectly reported. This should reflect the actual date of the last payment made.

Moreover, this company has repeatedly failed to validate the collection account, thereby violating FDCPA 809 ( b ) according to FTC guidelines.

I request that these inaccuracies be promptly corrected, as they are adversely affecting my credit standing and rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> 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. 


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 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express is reporting on my credit without any evidence that I made the charges they said I made. I've asked them for proof that charges were mines and they never gave it to me. I asked for my signatures that are on the transactions they said are mines and they refused to send to me. They have not validated their claim pursuant to 15USC 1692e ( 809 ). They are reporting on my credit without validating the loan and that is against 15USC 1692e 2 ( a ), 15USC 8.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by 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 non-monetary relief
Consumer complaint received 2024-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by 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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A wire from the XXXX XXXX was sent to our account : XXXX XXXX XXXX forXXXX. Unfortunately the last 4 digits of the account got mixed up and was noticed and the originating bank tried calling it back. Chase, eventhough the name on the wire didn't match the account name put it in someone else account and refused to allow chase to take it back. Chase investigated and sent us a letter saying CFPB or FTC or FBI needs to handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-21 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: CA

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX . Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation