vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding an account on my consumer report and to request assistance in resolving this matter. The account details are as follows : Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX I kindly request the deletion of this account from my consumer report to ensure the accuracy of my credit history.

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 2024-05-11 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:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding an account on my consumer report and to request assistance in resolving this matter. The account details are as follows : Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX I kindly request the deletion of this account from my consumer report to ensure the accuracy of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
Equifaxs reporting on PAID and CLOSED XXXX XXXX account that is MORE than XXXX XXXX XXXX. This has been so frustrating. Im on the brink of HANGING myself if these credit bureaus continue to deliberately destroy my life. I really dont know what else to do at this point if even you as their authority are unable to put these reporting entities in check. 
WHY? WHY? WHY is Equifax still reporting and submitting negative information on XXXX XXXX??? WHY?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: MD

Complaint narrative:
Someone hacked my chime account and stole over {$400.00} and the bank refuses to give it back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hi, XXXX XXXX. 

My Name is XXXX. I have been asked to contact the early warning services team regarding the issue of open bank accounts with XXXX XXXX. 

Name : - XXXX XXXX Address : - XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX Due to feedback received from the consumer reporting agency ( XXXX XXXX XXXXXXXX XXXX XXXX bank teams are not ready to open my account. This is all started by the report shared by XXXX XXXX XXXX  to banks. 

Let me brief the whole incident & how i am suffering due to this wrong report. 

The whole reason mentioned below is how the scammed happened to me. I have appended all chat with the organization, offer letter & fake check. without knowing any reason & justification from my end Bank of America decided to block my account instead to enquiry about the fake individual or fake organization who did this. I had registered a Complaint Report to Fraud FTC GOV ( XXXX ), because the same incident early warning services generated the report which directly impacted on my daily life. 

Short Story Of Whole Incident & Scam : - I was looking for a job & applied on all job platforms. I got a ping on XXXX team chat from XXXX XXXX. She told me that she works for XXXX XXXX XXXX. After all the discussion she offered me an offer letter & check to buy their company hardware & software. I had submitted the check into my account & I came to know from the bank that the check was XXXXake & Bank Of America blocked & closed my account. I am going through a lot due to this incident/scam happened to me. it also impacted on my financial & also not able to reopen my account with bank of America nor in any other bank. desperately looking for a solution on this. 

I have all the evidence with me like XXXX teams chat details, offer letter, check details & complaint email to amtex auto. 

I have appended all evidence here with this email for your review & reopen my account asap & ask your report agency to make corrections to my report in their database. so that i will be in position to open my account asap in week time. Let me know if you need any further input/details/data from my end. 

If you think there are any mistakes from my side after looking at all evidence let me know please. I am the victim & I am only suffering. 


Regards, 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian XXXX XXXX XXXX, I am writing to dispute inaccuracies on my credit report as provided by Experian XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. Upon reviewing my credit report, I have identified several errors that require immediate attention and correction. I Have Attached a credit report identifying the inaccurate errors on my credit report Under the FCRA 15 USC 1681, I understand that Experian XXXX XXXX XXXX is obligated to investigate my dispute within 30 days of receipt and to notify me of the results of the investigation. I kindly request that you notify me in writing of the actions taken to correct the inaccuracies on my credit report. 

Furthermore, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. 

Please ensure that all future reports accurately reflect my credit history to prevent any further discrepancies or misunderstandings. Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these inaccuracies. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation once the necessary updates have been made to 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Hi, XXXX XXXX. 

My Name is XXXX. I have been asked to contact the early warning services team regarding the issue of open bank accounts with XXXX XXXX. 

Name : - XXXX XXXX Address : - XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Due to feedback received from the consumer reporting agency ( Early warning Services XXXX XXXX XXXX  teams are not ready to open my account. This is all started by the report shared by Early warning Services to banks. 

Let me brief the whole incident & how i am suffering due to this wrong report. 

The whole reason mentioned below is how the scammed happened to me. I have appended all chat with the organization, offer letter & fake check. without knowing any reason & justification from my end Bank of America decided to block my account instead to enquiry about the fake individual or fake organization who did this. I had registered a Complaint Report to Fraud FTC GOV ( XXXX ), because the same incident early warning services generated the report which directly impacted on my daily life. 

Short Story Of Whole Incident & Scam : - I was looking for a job & applied on all job platforms. I got a ping on XXXX XXXX chat from XXXX XXXX. She told me that she works for XXXX XXXX XXXX. After all the discussion she offered me an offer letter & check to buy their company hardware & software. I had submitted the check into my account & I came to know from the bank that the check was fake & XXXX  XXXX XXXX blocked & closed my account. I am going through a lot due to this incident/scam happened to me. it also impacted on my financial & also not able to reopen my account with XXXX  XXXX XXXX nor in any other bank. desperately looking for a solution on this. 

I have all the evidence with me like XXXX teams chat details, offer letter, check details & complaint email to XXXX  XXXX. 

I have appended all evidence here with this email for your review & reopen my account asap & ask your report agency to make corrections to my report in their database. so that i will be in position to open my account asap in week time. Let me know if you need any further input/details/data from my end. 

If you think there are any mistakes from my side after looking at all evidence let me know please. I am the victim & I am only suffering. 


Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and XXXX LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and XXXX LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: FL

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 seven 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I assert that I am not legally responsible for the alleged debt associated with XXXX XXXX XXXX  Account # XXXX. As per the principle of contractual privity, I maintain that there exists no valid contractual agreement between myself and XXXX XXXX. Furthermore, in accordance with the legal doctrine of evidentiary disclosure, I have formally requested access to the original contract pertinent to this matter, a request which remains unfulfilled by 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 2024-05-11 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have contacted exter finance since XX/XX/2024 when I discovered an account in my name with their company and at the time of incident I was serving a prison term. I sent letter on XX/XX/2024 after contacting them and disputed all claims The items was removed from my credit report XXXX XXXX XXXX on all credit bureaus and now has been reinserted and I have not received no letter from them indicating why this happened. Ive sent email numerous of times and they keep reinserting and it's no way this info should be verified when all supporting documents I gave does not support this account on my credit. the news article and my jail sentence is included in attachments 15 U.S.C. 1681, ET SEQ.

FAIR CREDIT REPORTING ACT ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
and email numerous of times and they keep reinserting and its no way this info should be verified when all supporting documents I gave does not support this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have had my Chime account for some time and I was not able to access my account in XXXX they closed my account with over {$30000.00} ( XXXX for my business ) leaving me and my children destitute and eventually homeless. We were forced to live in my car. I had to use other emergency credit cards for food and necessities. I was unable to repay my credit cards. I was going to relocate my business to XXXX from NY and I was unable to do so ; I then had to shut down XXXX XXXX XXXX  and put everything into storage. I became unable to pay my storage unit and lost everything. I'm still trying to rebuild myself after all of this devastation. Worst of all I had to give my mother partial custody of my children because I lost the vehicle that we were living in as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 168 I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2024-05-11 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: LA

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-11 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: TX

Complaint narrative:
Two accounts with the same company name has appeared on my credit report and I never applied for XXXX XXXX XXXX XXXXXXXX balance {$2600.00} and XXXX XXXX XXXX XXXX balance {$1700.00} Im requesting these two accounts to be removed off my credit report and blocked. These two accounts are fraudulent my IDs and my wallets have been stolen please removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.

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 2024-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I was approved through XXXX in XX/XX/2024 for lower monthly payments. The IDR plan approved $ XXXX payments. Ive been charged by Mohela $ XXXX for XXXX and XXXX says the same. I do not receive communication back from Mohela when emailing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, except as otherwise provided in this section, a consumer reporting agency should block the reported information in the file of the consumer that the consumer identifies that the information that resulted from identity theft, not later then 4 business days after the date of the receipt of such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of the identity theft report ( 3 ) the identification by such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transactions by the consumer. 

I have attached relevant documents pursuant to the above section of the law. I DEMAND all fraudulent INQUIRIES DELETED 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 2024-05-11 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:
They have reported inaccurate information regarding my credit report resulting in a negative effect on my credit score and payment history.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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. 

I told Experian, XXXX, and XXXX to reinvestigate these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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