vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
I applied for a XXXX XXXX in XX/XX/year> and it was approved. In XXXX of XXXX  The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. XXXX XXXX is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the XXXX XXXX as outlined in the XXXX XXXX. 
Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/year> ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/year> when I applied for the Cared Act Covid Forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
I applied for a XXXX XXXX in XX/XX/2023 and it was approved. In XXXX of XXXX  The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. XXXX XXXX is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the XXXX XXXX as outlined in the Care Act. 
Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/2023 ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/2023 when I applied for the Cared Act Covid Forbearance.

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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX VIA transferred an account, that they claimed belonged to me, to a company called Portfolio Recovery. I have asked them to provide me with proof of my debt and they have not provided me with any proof. XXXX XXXX has been debiting my account of {$5.00} and have yet to provide me information on the debt. 

The amount of {$5.00} will no longer be taken from my account as I will be closing the account TODAY. 

There are multiple fraudulent activities on my account and this company has obtained my information without my permission and has NOT provided ANY evidence that this debt is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
XXXX FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
XXXX FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX Lendmark XXXX Bank XXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There was a charge on XX/XX/XXXX of {$160.00} from XXXX, which I did not authorize. 
Bank of America said there was a similar charge in XX/XX/XXXX on another credit card ( closed ) associated with me, therefore, this is a automatic charge, so Bank of America find my other credit card associated with me to place the charge on my account. 

I told Bank of America that I did not authorize this charge of {$160.00} on XX/XX/XXXX, but Bank of America refused to call back the charge. 

I called the Merchant ( XXXX ), which could not provide me with proof the my authorization of this charges This is a fraud activity on the Credit Card Company Bank of America and on the Merchant ( 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 monetary relief
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
company is to collect a debt that is not owe, this is the second collection company trying to collect on this closed account from mobile, I closed my account with XXXX XXXX of XXXX  I paid out my last bill of XXXX $ with no balance in order to port my phone number to a new company, now this debt collector is attesting to collect a debt not new and reporting false information on my credit report I have attempted to try and resolve this matter with mobile and debt collector please see attachments.The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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 2024-09-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX  Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-09-18 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:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : KIKOFF Account Number : CLWHLK Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received four emails today ( XX/XX/18 ) from Chime ( different email addresses ending XXXX ) : one stating that there had been a new login to my account in XXXX, one saying " Your completed direct deposit form is attached, '' " Account Password Updated, '' and one saying " Your Credit Builder Application is almost complete. '' The Direct Deposit form had my name and an old address of mine. I never set up an account with Chime, so I called the customer service number from their website and reported it as fraud. I believe they closed the fraudulent account, but in the process of doing so they asked for a lot of information from me I was not comfortable giving to them. They asked for the last 4 of my social in order to " look up my account '' even though I reiterated that I did NOT have an account with them. I did not give them this information, but they were able to locate the account anyway and close it for fraud. I got two more emails from them, one being " Account Closure Notification '' and one " Re : Chime Account Status '' that recommended I place a fraud alert with the credit bureaus. However, after those two emails I received a third one welcoming me to Chime. Additionally, after reading more about Chime on the internet it seems like this scam is fairly common, either with Chime setting up fraudulent accounts or people getting their identity stolen to create Chime accounts. I do not feel comfortable with their security and do not believe this company has their consumer 's interests in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These credit bureaus are not responding to my dispute requests at all. The below letters have been sent on the below dates with NO RESPONSE! This is against the FCRA consumer law. 

XX/XX/year>, XX/XX/year>, XXXX NO RESPONSE FROM ANYONE I want the below accounts removed/deleted from my credit report. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX XXXX XXXX XXXXXXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this 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 explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my 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 2024-09-18 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: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> at XXXX pm, I, XXXX XXXX XXXX XXXX, attempted to withdraw {$220.00} from the atm owned by XXXX Bank, using my credit account through Chime. I inserted my card and entered my pin number, the machine made a cycling through sound, but I did not receive the {$220.00}. Instead it printed only printed a receipt for a deduction of {$220.00} from my account. I immediately notified the wawa employee next to me, who advised me to contact Chime and notify them of the atm dispensing error. I immediately called Chime and opened a dispute, which was dispute number XXXX. I explained the situation to the Chime representative, provided the location of the XXXX atm, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and the atm number, XXXX. I called immediately, after finding out that my claim had been denied just a few days later, and submitted additional documentation for an appeal. I then received an email a day or XXXX later, with another denial from Chime. I tried reaching out to the owner of the atm as well XXXX Bank, and asked them to do an atm audit, to prove that the atm would be {$220.00} out of balance, but the XXXX Bank representative stated that I had to contact Chime to get my cash. At this point I am not certain what other course of action to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Received court paperwork on being sued for a debit that I do not owe this company and they threatened to place a lien on my bank account without validation of what it is whats owed and what business i have with them, I have no bill of sale or any assignment contract with them? 

I am writing regarding the above-referenced account that you claim I owe. I request a copy of the original credit agreement or loan contract, including any arbitration clause, that you allege forms the basis of this debt. Additionally, I request a copy of any agreement between Portfolio Recovery Associates , LLC, and myself that outlines any terms or conditions under which you are attempting to collect this debt. 
To date, I have not been provided with these documents, and as such, I am unable to verify the legitimacy of your claim or determine whether the matter is subject to arbitration as per the terms of the original agreement. 
Please note that if there is an arbitration clause within the original agreement, I intend to file a Motion to Compel Arbitration to resolve this dispute outside of court as required by the terms of the contract. I request that you promptly provide the necessary documentation, including the original agreement and any proof that you have the authority to collect on this debt, to avoid any unnecessary legal proceedings. 
Please provide these documents within 30 days of receipt of this letter. If you fail to do so, I will assume that you can not provide them and will proceed accordingly. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NJ

Complaint narrative:
When I created my equifax account on line XXXX places a typo in my social security number. 
I did not realize it but equifax allowed the account to be created. When I log on I see my name but someone else 's information. I have contacted the company 's support by phone. Wait times are like XXXX minutes.The last time was onXX/XX/2024.I also created XXXX disputes online with them. They reviewed the disputes closed them but didn't resolve the issue. 

I can't see my credit information but I can see someone else 's. Including the XXXX #. This is a major security issue with the way their accounts are created. 

Case # XXXX Dispute # XXXX

Company response to consumer: Closed with explanation