vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Besides the repeated phone calls, they never identify themselves in that they're attempting to collect a debt. Instead, when they call me they start out by repeatedly asking if I'm who I purport to be for some unknown reason. This happened at XXXX XXXX on XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I took out a loan from direct loans. It has been almost a year and I still have not received all of the funds from the loan. I keep getting the runaround Everytime I call. They are unwilling to help entirely or they say they can't find any information on my loan. Every employee I talk to is either intentionally unhelpful or completely has no idea what they are doing. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
Was told by an employee I would not have to pay the outrages amount said owed, and also was requested to send documentation of car sold in which the vehicle was no longer in my possession, for proof so that I would not have to pay the outstanding balance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
Per XXXX ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in XXXX, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items 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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have had a bank account with Chime Financial for a few XXXX  without any problem. I have been working as a XXXX XXXX direct depositing my paycheck into this account. Chime Financial has a feature called Spot-Me which is esstentially an XXXX  service the amount of which is based on what the paycheck is. XXXX XXXX do not work over XXXX nor do they get paid. I noticed issues with the Spot-me account. I called Chime customer service. I was told that the XXXX was calculated based on balances in checking account and balance on the credit builder account. At the time the blance was approximately - {$30.00} credit builder and - {$20.00} in the checking. I deposited money into the checking account. However when I went to make a purchase I was only credited for {$10.00} although I had a positive balance. The XXXX did not kick in. I called Chime to find out what was going on. Chime has call centers in the XXXX. This practice of XXXX call centers should be stopped. I had an hour of fruitless discussion with Chime customer service reps. I wasted my breath arguing with Chime. I told them I was expecting refunds of XXXX charges to the credit builder account. They did not seem to understand me. My balance in the checking was positive {$10.00} according to the app. XXXX XXXX do not get paid much. Yet a putche of {$11.00} was not going through. I attempted to explain the situation. Chime refused to help. I told Chime they did not understand what I was trying to say to them. Clearly they didn't or they didn't want to understand. They hung up the phone on what was becoming a heated discussion due in no small part because Chime was lighting a fire under it. XXXX XXXX  later I got an email saying they were closing my account. They then blocked all access to my transactions. They stopped me from logging into my app. I called them. They said they were going to review the account. This was XXXX XXXX  ago. All of my interactions with Chime had been courteous. I blame Chime for being exactly XXXX half of a bad conversation. Consequently, my direct deposit was bounced back. I didn't get paid. All of my recurring ach transactions didn't get paid. My paper paycheck was mailed from Michigan. I still haven't got paid. Chime has not responded to any requests from me at all. They misled and lied to me. They closed my account after XXXX bad phone call in which that they caused increasing fustration.Its a situation of if a shoe fits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
We are attempting to close my XXXX XXXX  Account with Optum Bank and have taken all appropriate steps to transfer all funds ( over {$87000.00} ) to my new XXXX  XXXX  Account at another institution ( XXXX Bank ). The process required sale of investments ( mutual funds/ETFs ) in an associated Health Savings Brokerage Account ( at XXXX XXXX XXXX and tranfer of the proceeds of back to Optum Bank XXXX That step was accomplished weeks ago. Also accomplished was our submitting a transfer/rollover form directing Optum to send all funds to XXXX XXXX  . The funds have been sitting in Optum Bank, uninvested and earning no return for weeks and Optum can not seem to explain why the process is taking so long. We have gotten conflicting information from Optum, both verbally in recorded telephone calls, and in messages through Optum 's online portal, as to what is happening. We are extremely frustrated at the slow pace of this process and every day that Optum holds this money without transferring it to XXXX XXXX is a day we are losing money until the funds land in XXXX XXXX  and the funds can be re-invested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
While reviewing my Equifax and XXXX credit reports via XXXX there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to both Equifax and XXXX for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have explained on numerous occasions that I never lived at the address being furnished by XXXX Co XXXX. And that the account belong to someone else. I have disputed on numerous occasions for them to investigate, and to delete the account as it is very damaging to my reputation and credit profile. This is a willful violation of the FCRA laws put in place to protect the consumer.Failing to investigate the accuracy, upon the demand of the consumer. Can I see for damages as this is causing grave stress?

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 2024-01-25 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am currently trying to make my payment Ive tried about 3-4 times I log in to make my payment. It continues to tell me the page does not exist. Im fed up with this company I would also like to know when and why did it change to Bread Financial I never once got a notice about it.

But this is what I mean about never being able to make my payments because their site is down each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am making a complaint about LOANME INC. The reason I am making this complaint is because I found out that LOANME INC is furnishing inaccurate information on my credit report. On XX/XX/year> I sent them a letter about this matter. I do not have any record of a response from LOANME INC. If LOANME INC has sent me a response I sincerely apologize for this statement. I did not dispute whether or not this was my account or if it belonged to me. I disputed the fact that reporting as a charge off is inaccurate. According to the IRS charge offs are considered income. Income doesn't get furnished into my consumer report, according to XXXX. Reporting as a charge off is inaccurate at the very least they must report as paid for less, or they must delete this account XXXX 
15 U.S. Code 1681s ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
These are the responsibilities of a data furnisher.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
I called XXXX XXXX  for a XXXX personal loan from my estate from my trust in my nameSocial Security trust and all my personal information is a trustBut however I received a letter that just said contact them and Transunion because they denied me access to my on credit stating I dont qualify for my own creditsBecause of my credit reportI told them that is discrimination which it is and they told me that its nothing they can do about it.

So Im so disgusted by this bank for telling me that I am not worthy of my own credit.

Federal reserve notes are not for me and its not back by anythingSo I am very disappointed in this company and they have broke oath and violated there fiduciary duty to my trust.

Truth in lending act Federal Reserve act Privacy act Banking act I will not be denied my own credit as a creditor I applied for this loan I have Security interests in the bank and will not allow DISCRIMINATION FROM THIS BANK How can they deny me my own credit The US is bankrupt 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
Consumer complaint received 2024-01-25 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:
I REQUESTED THE FULL REMOVAL OF ALL FRAUDULANT INQUIRES, ACCOUNTS, DEROGATORY CREDIT MARKS RELATED TO MY CREDIT FILE. I HAVE FILED A CYBERCRIME REPORT WITH ALL LAW ENFORCEMENT AGENCIES, AS WELL AS THE FBI AND REQUIRE ALL FRAUDULANT ACTIVITY TO BE STRICKEN EQUIFAX : 1 ) I DID NOT AUTHORIZE THE CREDIT INQUIRES FOR ANY OF THE COMPANIES THAT ARE ON MY CREDIT BUREAU 2 ) I DID NOT APPLY, RECEIVE, OR USE ANY ACCOUNT RELEATED TO THE UNAUTHORIZES CREDIT INQUIRES 3 ) I HAVE FILED IDENTITY THEFT REPORTS WITH ALL LAW ENFORCEMENT AGENCIES AND THE FBI AS REQUIRED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
This company is charging XXXX XXXX interest to this debt on my credit report. The original debt is showing XXXX when I first discovered this account, now the balance is XXXX Who agreed to this interest? How is that lawful? I never agreed to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: WA

Complaint narrative:
Checked my credit this morning and was alarmed to find that I had a derogatory collection on my credit. The collection agency isMRS BPO. The original creditor was XXXX XXXX XXXX. I called the collection company and they said the account originated in XXXX, I do not live in XXXX, I live in Washington. I have not had XXXX XXXX XXXX  since XXXX. Please help me investigate this,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2024-01-25 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: GA

Complaint narrative:
I am writing this letter to request the removal of all hard and soft inquiries from my credit report with XXXX, XXXX and Transunion, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 1681g.

I have recently reviewed my credit report and noticed that there are several inquiries listed that I do not recognize. These inquiries were not authorized by me and have negatively impacted my credit score. As per the FCRA, I have the right to request the removal of these inquiries from my credit report.

I would like to remind you that under the FCRA, hard inquiries can only be made with my written consent or for a permissible purpose, such as a credit application. Soft inquiries, on the other hand, are made without my consent and do not affect my credit score. However, they still appear on my credit report and can be viewed by potential lenders, which can be misleading. 

Therefore, I am requesting that all unauthorized hard and soft inquiries be removed from my credit report immediately. 
I also request that you provide me with a written confirmation once the inquiries have been removed from my credit report. If you are unable to verify the inquiries, I request that they be removed within 30 days as per the FCRA. 

I appreciate your prompt attention to this matter and look forward to a positive resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
I am writing this letter to request the removal of all hard and soft inquiries from my credit report with Experian, XXXX and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 1681g.

I have recently reviewed my credit report and noticed that there are several inquiries listed that I do not recognize. These inquiries were not authorized by me and have negatively impacted my credit score. As per the FCRA, I have the right to request the removal of these inquiries from my credit report.

I would like to remind you that under the FCRA, hard inquiries can only be made with my written consent or for a permissible purpose, such as a credit application. Soft inquiries, on the other hand, are made without my consent and do not affect my credit score. However, they still appear on my credit report and can be viewed by potential lenders, which can be misleading.

Therefore, I am requesting that all unauthorized hard and soft inquiries be removed from my credit report immediately.

I also request that you provide me with a written confirmation once the inquiries have been removed from my credit report. If you are unable to verify the inquiries, I request that they be removed within 30 days as per the FCRA. 

I appreciate your prompt attention to this matter and look forward to a positive resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief