vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: LEXISNEXIS
State: AL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
I had a Chime savings account that I lost access to. I have been trying for more than XXXX years to close my account and get the money from my savings account. My account was in good standing but I lost access to my funds and they wouldn't accept the documents I tried to email them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: MI

Complaint narrative:
divorced and debt was resolved in bankruptcy would like this removed 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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am only XXXX years old and my Chime XXXX XXXX  was used on an app called XXXX. This was definitely unauthorized because I am under the legal age to use XXXX meaning I cant even make an account so Im not sure how my card was being used to deposit funds. I am missing {$2600.00} due to multiple fraudulent deposits being made. From XXXX XXXX multiple transactions were made. I recieved a fraud alert from Chime asking if I approved this charge. I said NO and filed a dispute immediately. A day later my dispute was denied and Chime is saying the transaction was made by me! This is impossible. It is XXXX and I need all funds possible or it will be a bleak holiday for me and my family. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to remove a collection account from my credit report despite my repeated efforts to have it properly validated and the lack of proof from the debt collection agency that this debt is mine. 

The collection account in question is reported by XXXX XXXX XXXX and appears on my Experian credit report. I first disputed this entry with Experian on or around XXXX or XX/XX/year>, requesting validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested that the collection agency provide proof that the debt is mine, including documentation such as an original signed purchase agreement with the original party/lender. I requested such information from XXXX on XX/XX/year>. 

To date, the debt collection agency has failed to provide any valid documentation to substantiate their claim that the debt belongs to me. Despite this, Experian has not removed the entry from my credit report, which is not in compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, once a debt is disputed, the credit reporting agency must ensure that the information it reports is accurate and verifiable. Since the collection agency has not provided sufficient evidence of the debts validity, this entry should have been removed from my credit report. 

Furthermore, it is important to note that I was never informed by XXXX of this purported debt. It was added to my credit report without proper documentation or notification. The sole communication I have received from XXXX is an email dated XX/XX/year>, which informs me that I have failed to make arrangements for the alleged debt and it will soon be reported on my credit reports. 

I have made multiple attempts to resolve this matter with both the debt collection agency and Experian, but my dispute remains unresolved. As a result, I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian removes this invalid collection entry 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 explanation
Consumer complaint received 2024-12-07 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:
XXXX offered a settlement for their breach but it is not easy to access services. 

" You may access Identity Restoration Services after the Settlement becomes effective, whether or not you make a claim under the Settlement. For more detailed information, see FAQ 11 '' XXXX does not make these services easily accessible. There are no clear instructions on how to get this. Also they offer free credit monitoring until XXXX. There is no easy way to obtain this.

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 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a XXXX Vanilla gift card for {$250.00} on XX/XX/year>. I tried to use it for the first time the following day and it was declined. Vanilla XXXX customer service told me that it was a system malfunction and they would have to send me a replacement card. They said it was going to be shipped fed ex expedite shipping and would arrive in XXXX to XXXX  days. I've been waiting for it for XXXX days and it still hasn't arrived. I've called several times and they say to keep waiting. It all seems like money fraud of an intentional nature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/year> I received denial letter from Ally Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Reporting inquiry on my report Not mind and attached to a wrong address only address was mind XXXX XXXX XXXX XXXX Tn reporting inquiry and late Payment on my credit filled Im asking all accounts Not associated with my address 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 explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Reporting inquiry on my report Not mind and attached to a wrong address only address was mind XXXX XXXX XXXX XXXX Tn reporting inquiry and late Payment on my credit filled Im asking all accounts Not associated with my address to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Conn's, Inc.
State: NV

Complaint narrative:
Conns XXXX XXXX In person signed for a {$1000.00} no interest if paid in 1 year etc after making 70 % of my balance I asked what the pay off was to pay it off and was told ( in person ) I owed {$2000.00}. I refused and talked with the lady and was told nothing she can do its in the contract. Asked for the contract and was told they dont keep copies I have to call and ask. Went to another store talked with the store manager and told them the original sales persons name and the manager said she used to work for me and I made her leave because she kept doing that same thing, dont pay and call corporate Corporate said no choice I have to pay did not give a copy of contract or proof of what I owe, then SOLD my debt to a collector. Collector called me multiple times a day all hours of the night called my work called family etc I told them not to call anymore I want everything by mail or I would sue them. NEVER got any mail from them and now XXXX  years later theyre going out of business ( expected no less from this shady place ) and now all of a sudden theyre ding my credit saying I have XXXX missed payments and owe them {$700.00} still. And yet to this day Ive tried to send them letter with no response, I disputed my credit and got nothing from that, disputed again claiming they did not provide proof of expenses or proof of contract and again denied. 
I have not even gotten as much as a bill nor collection notice or anything. 
The name Conns is very fitting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
Request for Correction of Credit Report Under the CARES Act To Whom It May Concern, I am submitting a formal complaint regarding the incorrect reporting of late payments on my credit report by XXXX XXXX. These payments were directly caused by financial hardship resulting from the XXXX pandemic, which included job loss and illness. 

The late payments in question occurred on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I worked with XXXX XXXX during this period to request forbearances, deferments, and modified terms to address my financial struggles. Under the CARES Act, accounts affected by such hardship should be reported as " current '' or " modified '' to reflect the accommodations provided, and not as delinquent or late. 

However, the XXXX late payments listed above are still reported on my credit file inaccurately. These entries are causing harm to my credit score and do not reflect the protections provided to me under the CARES Act. 

I am requesting that XXXX XXXX XXXX my account and correct these reporting errors to comply with the provisions of the XXXX XXXX. 



This is ready for you to submit without the personal contact information section. Let me know if you need further assistance!

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX we spent over XXXX hour with a Citi Bank Customer Service Rep saying we wanted to discontinue our Credit Card ending in XXXX. We have XXXX auto charge for {$14.00} charged each month to XXXX XXXX XXXX we told " XXXX '' that we were discontinuing that charge. The Rep kept asking us didn't we want to keep the card as a backup and we said NO. He said he would send us an email which did not arrive until XXXX hours after the call started and we didn't want to wait until it did. He told us he would do that by phone, read the agreement, which XXXX, the primary agreed to, and then he told us it was done and we would not get the auto charge on XX/XX/XXXX of {$14.00}. We did get the auto charge just as the same thing happened when we discontinued a Citi mastercard ending in XXXX some years ago for {$15.00} XXXX charge. That time we called after XXXX month, spent a lot of time on the Phone yelling at them, and they finally discontinued the charge. 

We have the email that they sent on XX/XX/XXXX us with the agreement to close the account that arrived too late to make it useful. We also have the email with the survey asking how the Rep did and which we rated unsatisfactory on all measures and told them what had happened. We got no response. We also have the statement with the charge for XX/XX/XXXX which was not authorized as the card was closed. We can no longer sign into the account which says it doesn't recognize us. What happened to one click? discontinuing an account?

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 2024-12-07 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: CA

Complaint narrative:
XXXX XXXX operations is reporting an account as a charged off on my credit bureau report. I had requesting correction from the company to delete this inaccurate information from my credit report and a Dent validation to no avail. It was also sold to a third party and reported as a charged off account thereby damaging my credit twice, double jeopardy The charged off account number is XXXX an incomplete number. This account should be deleted from my credit reports immediately.

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 2024-12-07 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: CA

Complaint narrative:
XXXX XXXX operations is reporting an account as a charged off on my credit bureau report. I had requesting correction from the company to delete this inaccurate information from my credit report and a Dent validation to no avail. It was also sold to a third party and reported as a charged off account thereby damaging my credit twice, double jeopardy The charged off account number is XXXX an incomplete number. This account should be deleted from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In XX/XX/year> I viewed my credit report and noticed a fraudulent collection account on my credit report from XXXX XXXX. I did not authorize this account nor have any knowledge of this account. This was updated and furnished on my Experian report without my knowledge or permission. Under 15 U.S. Code 6802 financial institutions are required to protect my personal information and under 15 U.S. Code 6803 they must inform me of their policies to safeguard my data. These protections were not adhered to allowing a fraudulent account to be reported due to my information being stolen. According to 15 U.S. Code 1681c ( 2 ) I have the right to block accounts relating to identity theft from my credit report within XXXX  days of my complaint being received. My creditworthiness is being harmed due to this case of identity theft and my report has been damaged as well causing me financial hardship and hindering me from obtaining new extensions of credit.

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 2024-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I just told them it was not me and it still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: GA

Complaint narrative:
I called usdirect customer service to have a transaction fixed. Instead my card was disabled with funds on it which i explained to them i needed and I had to pay {$13.00} to have a new one expedited to me on the XXXX of this month. Since then I've had to call them several times because I'm unable to use my new card online..I explained to them that I am bed ridden and rely solely on using online methods..They continue to tell me nothing is wrong with my card and it's nothing they could do..I was instructed on last night XX/XX/year> to not only trust someone with my card and send them to swipe my card to have it reset and to change my pin afterwards..Of course I did that and nothing changed with the card..so I was told to just withdraw all the money off and put it in a bank..If I had a bank account I wouldn't need direct express.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TN

Complaint narrative:
My data was leaked in a breach twice and my information was used to open accounts that personally did not open and have no knowledge of these accounts until it was put on my credit report in error. I would not pursue complaints or identity theft reports if these accounts were mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This is the agency reporting the inaccurate and false information.

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 2024-12-07 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX, operated by Wells Fargo. The app will not allow me to enroll in autopay without using a Wells Fargo online account. Because I do not have any checking account or credit card with Wells Fargo, I had to create an account to do this. Despite following directions and creating the account, technical issues with Wells Fargos website prevent me from being able to log in and enroll in autopay ( I reach a screen saying to call their account support, which I have done on at least XXXX separate occasions over the last year, only to be transferred between departments and receive no resolution after hours on hold ). The app provides no notice of payment due date ( as all my other banking apps do ), and I have been charged for late payments on multiple occasions as a result of not having autopay set up and not being able to enroll. After working with customer service to reset my username and password, it is still not allowing me to enroll and I was told there was no further support they could provide besides mailing me a form to complete and send back to enroll. The barrier to enrolling in autopay is unreasonable and feels intentional to take advantage of consumers and collect on forgotten / late payments by not reminding consumers of upcoming bill due dates. I think XXXX / Wells Fargo should be investigated for thisthey should be helping consumers pay bills as simply as possible, but instead have made it nearly impossible to do so.

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