vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: DE

Complaint narrative:
I am writing to formally dispute certain items appearing on my consumer report, as maintained by your agency pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. After a thorough review of my consumer report, I have identified several inaccuracies that require immediate attention and correction. 

Personal Information Errors : I would like to bring to your attention to the inaccurate items listed on my consumer report. 

XXXX. ERRORS WITH MY LEGAL NAME : XXXX XXXX XXXX XXXX XXXX XXXX are incorrect. My true and legal name is XXXX XXXX XXXX. This discrepancy may impact the accuracy of the information contained in my consumer report. Therefore, I kindly request that my correct name be updated and reflected accurately in your records. 

2. NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. INNACCURATE PHONE NUMBERS ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX In light of the aforementioned inaccuracies, I hereby request that your agency conduct a reasonable and thorough investigation into the disputed information. Specifically, I kindly ask for you to verify the accuracy of the disputed information and provide me with a record of the current status of these items. Alternatively, I request that you remove the items entirely from my consumer report if they are indeed found to be inaccurate. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you have a legal obligation to investigate consumer disputes within 30 days of receipt of this letter. I therefore expect a prompt response outlining the steps taken to address my concerns and to rectify the inaccuracies identified. 

Enclosed with this complaint, please find copies of supporting documents that further validate my claims and assist in your investigation. This includes copies of official identification documents, such as my driver 's license, that clearly indicate my correct name, as well as proof of current and previous addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
I've had my phone stolen and XXXX worth of unauthorized transactions was done. I have a police report and have disputed with chime and XXXX XXXX this is also the 3rd dispute which chime never actually take time to investigate properly I have documentation including police report that my phone was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2024-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
Inaccurate information, started dates are wrong and due too 15 U.S.C. 1681 a ( 3 ) a ( 4 ) And states that it should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
These inquiries does not belong to me, and I have no any connections with the listed creditors. I urgently request that they be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: DISCOVER BANK
State: NY

Complaint narrative:
DELETE HARD INQUIRES In accordance with Fair Credit Reporting act, the lis of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604a SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instrutions.

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 seven years.

15 U.S.c 1681s-2 ( A ) ( a ) 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 cause to believe that the information is inaccurate. 

Please DELETE theses accounts Below : XX/XX/2022 DISCOVER XXXX XX/XX/2022 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I requested my personal file from XXXX and I could not get verified in order to review my personal file. I had to wait for 2 weeks just to receive a letter that they are unable to verify my identity. Over the next few months I continued to request my personal file without success. On XX/XX/XXXX, I requested my credit report from Equifax. I received my report immediately online. After looking over my report I discovered 9 un-mailable addresses that were being reported. On XX/XX/XXXX, I called Equifax disputed the 9 inaccurate addresses on my credit report and I requested them to remove the addresses. Equifax initiated my dispute and started an investigation into the matter. I informed them that reporting inaccurate information in my credit report is a violation of the Privacy Act of 1974. 
On XX/XX/XXXX, I received the results of their investigation. Equifax has determined that the XXXX addresses in dispute were inaccurate and they have deleted all 9 of the inaccurate address from my credit report. 
On XX/XX/XXXX, I have requested my XXXX personal file and I was able to verify my identity and they have mailed me a pin to review my personal file online. Not having access to my XXXX report has cost me a lot of money because I don't know what information it contains but my insurance rates continue to rise despite my driving habits staying the same. I have XXXX tickets and XXXX accidents. I believe the fact that Equifax was reporting inaccurate information in my credit report it was preventing me from receiving my XXXX report. Reporting inaccurate information on my credit report is a violation of the Privacy Act of 1974.

In violation of 15 USC 1681, Equifax reported 9 inaccurate addresses in my credit report to XXXX on at least 1 occassion on XX/XX/XXXX. Per 15 USC 1681n Equifax is liable to pay damages for each inaccurate address reported or 9 times not less than {$100.00} each to a maximum of {$1000.00} for each inaccurate address reported. My insurance rates have more than doubled in one year for no reason caused by myself. I believe this has caused me financial damages, my rates are higher and I couldnt see whats in my XXXX report until the inaccurate information was removed. My credit report should not be shared with XXXX in the first place as I never gave Equifax permission to share my personal information with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
i applied for a loan, was denied after paying for an appraisal, was told i could deffinately qualify for a different type of loan, but would have to pay again for an appraisal because of the different kind of loan, pd {$500.00}, was denied so i requested return of funds, was never contacted after repeated calls even to a supervisor, can you please help me with this matter that has gone on since XXXX of XXXX thank you in advance sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I received e-mails confirming my new Chime account ( XXXX XXXX ) and prompting me to load their app. I never opened a Chime account and promptly contacted them to alert them of a fraudulent account opened with my SS #, e-mail, DOB and Phone number. They closed the account for me but suggested that I put a freeze on my credit and contact all of the credit bureaus, which I did. 

My issue is that this seems to be a simple thing to do through this financial tech company since they do not ask for any physical proof that you are who you say you are. I am not sure what the scam is since they used my actual e-mail but from what others have mentioned online is fraudsters will fund your Chime account with a payday loan and spend it but then you are somehow on the hook for the cash. Chime needs a more robust security screening process as they are an easy target for criminals. 

My issue has been resolved or at least I believe it has. I did receive a Chime debit card in the mail several days after getting the notification of the account being opened. The card has been destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
The customer service department of Equifax did not help remove the negative hard inquiries that are reporting on my credit report, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer has attempted multiple times to get copy of his own consumer credit report via Transunion.com and XXXX Out of all 3 Credit reporting agencies Transunion has been the most utmost difficult to deal with and has violated consumers right to obtain consumers credit report. Consumer has recorded all interactions with said credit reporting agency and now has to be forced to pursue leagal action as CRA is violating consumers rights.

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 2024-02-27 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-27 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:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-27 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-02-27 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: NC

Complaint narrative:
I have no involvement in these inquiries and am not associated with the creditors stated on my credit report above.

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 2024-02-27 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-27 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please remove XXXX XXXX XXXX XX/XX/2024, and XXXX XXXX XX/XX/2024 it does not belong to me.

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 2024-02-27 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
on XX/XX/23 I initiated an {$80000.00} Electronic Funds Transfer ( EFT ) from my account at XXXX XXXX XXXX ( NFS ) intended for my account at Bank of America ( BoA ), however, I transposed two digits of my BoA account number, Bank of America received and deposited the funds into the wrong account number provided failing to match the account number and my account name provided. A few days post transfer, I notified BoA of their error and missing funds and XXXX promptly filed a reclaim with Bank of America. Bank of America informed me the account holder who received the mistaken funds closed the account on XX/XX/23 and was issued a cashier 's check. Bank of America claims no responsibility to match account name and number when receiving EFTs and declined to return funds nor to pursue a fraud claim vs the account holder and directed me to file an FBI report which I did. my account number at Bank of America is XXXX, the account number the funds were transferred to was XXXX. Bank of America routing number for electronic transfers is XXXX. My account officer at BoA ( XXXX XXXX, XXXX, XXXX ) encouraged me to pursue legal action vs BoA.

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, my mother XXXX XXXX sent {$1300.00} to me via PayPal, so that could pay my rent. I had at the time been in a serious car accident and was not able to work. When she received her credit card statement on XX/XX/XXXX she had forgotten about sending those funds to me and disputed the transaction. Paypal immediately debited and overdrew my account with them as a result. I call XXXX on XX/XX/XXXX as soon as I was made aware, she realized her mistake and immediately called XXXX XXXX, and reversed the dispute. XXXX provided her with a letter stating the funds had been sent back to Paypal as of XX/XX/XXXX. The funds as of today XX/XX/XXXX are still not available to me, and have been charged to my mother for well over 30 days. I have sent the letter from XXXX to paypal, I have requested via telephone and messenging service for paypal to release the funds, and they have not. Yesterday XX/XX/XXXX my account was sent to Collections by paypal, and collections activity has commenced from a company called XXXX. Today, myself and XXXX XXXX called and spoke to Disputes supervisor XXXX ( ID # XXXX ) With paypal, who stated there was nothing he could do but send a request to a back office team to hopefully have it resolved. I have attached the letter and email correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I requested NCA to provide proper documentation supporting the incorrect information reported to the bureaus. I ordered a cease and desist and they continue to report to the bureaus.

Company response to consumer: Closed with explanation