vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
XX/XX/year> I opened a Chime account because I wanted to send my brother money for his birthday, and because he lives XXXX, Chime is the only American company he can receive money though. Chime has a {$25.00} minimum deposit requirement but I only wanted to send my brother {$20.00}. I sent the {$20.00} to him fine with no issues. I attempted to send the remaining {$5.00} back to my external bank and received a message saying that before I could complete a transfer, Id have to activate my Chime debit card when it comes in the mail in XXXX weeks. I reached out to their customer support via chat and was told that this was to be looked at by the internal team and I would receive notification regarding their update. 

XX/XX/year> I log into my Chime account and am met with a message stating that my account has been closed and if that if thought it was a mistake, to call or email their customer support. I immediately called, and after being placed on several holds, was told that my account was closed for not complying to company guidelines and that I was not eligible to have my money returned. This sounded absolutely bizarre so I inquired about why exactly the account was closed, as I had only deposited and sent money ; {$20.00} at that. And the person I chatted with the day prior didnt state any wrong doing on my end. I was then told thats all the information I could be given, so I asked to speak to someone above her or for her to escalate the call to someone who could explain why exactly my account suddenly was closed. She said should wouldnt escalate repeatedly and that theres nothing I could do. She said she had to end the call and that was that. I then emailed the address provided and was met with an auto response stating that you have to call them. This is obviously set up to scam people out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding unresolved fraudulent hard inquiries on my credit report. Despite following the appropriate steps to dispute these inaccuracies, the credit reporting agency has failed to remove them, which has caused significant distress and potential harm to my financial standing. 

On XX/XX/XXXX, I discovered several unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. These inquiries include : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Immediately upon noticing these discrepancies, I took the following actions : 1. **Filed an Identity Theft Report : ** I reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Affidavit ( FTC Reference Number : XXXX ). 
2. **Contacted the Credit Reporting Agencies : ** I contacted XXXX and TranUnion via US Mail 3. **Requested Investigation and Removal : ** In my communication, I requested an immediate investigation into the fraudulent inquiries and their subsequent removal from my credit report. 

Despite these efforts, I never received a response from XXXX or TransUnion. This lack of response is unacceptable, as it fails to acknowledge the evidence provided and does not address the serious nature of identity theft. 

The presence of these fraudulent inquiries on my credit report has negatively impacted my credit score, and by extension, my ability to secure necessary financial services. As a consumer, I have the right to accurate credit reporting, and it is the responsibility of the credit reporting agencies to ensure that fraudulent activities are thoroughly investigated and rectified. 

I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that XXXX and TransUnion conducts a proper investigation and removes the unauthorized hard inquiries from my credit report. Attached, please find a copy of the FTC Identity Theft Affidavit. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX **Attachment : ** 1. FTC Identity Theft Affidavit

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 2024-05-22 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: TN

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IA

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

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

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

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

Company 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 2024-05-22 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 feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.

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 2024-05-22 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: MT

Complaint narrative:
I disputed to reporting agencies all debt concerning XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: MT

Complaint narrative:
I disputed to reporting agencies all debt concerning XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
CKS Prime is attempting to collect a debt that I do not owe, they claim that they are an assignee of a creditor that I owe money to however I have never signed any agreement that stated that they were an assignee. If this company believes otherwise then I demand that they show proof that I agreed to them collecting. If they can not then they are attempting to collect a false debt which violates the FDCPA.

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 2024-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had XXXX credit inquiries on my report as of yesterday. Today my credit was ran 6 times. I also got an alert from my credit membership of a data leak involving my social security number. I did not authorize any credit pulls on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I presently have a line of credit with the company and expected to pay principle and interest payments to pay off loan and there is an additional fee called customary fee. This fee is much bigger than principle and they take this along with the interest and much less is paying off towards principle. Ive had this loan since XXXX XXXX of 2023, and have barely paid it down. You get locked in and it doesnt seem to be going down in principle. The I initial loan amount was {$1500.00} and I pay average of {$470.00} a month and once paid it only takes about XXXX XXXX {$60.00} in principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: KY

Complaint narrative:
I was reviewing my report in the beginning of XXXX and I've tried to get handled I've reached out to the credit department and still no action has been taken.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Avant/WEBBANK credit card company denied my credit card application due to identification. The reason for this is my face is considered " unrecognizable '' because my entire face is tattooed, HOWEVER MY FACE DOES MATCH MY GOV. ISSUED DRIVERS LICENSE. This is not fair because I can prove my identification. I submitted XXXX of the XXXX requested identification steps to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second time reaching out to XXXX XXXX XXXX to cease and desist all debt collection until dispute has been resolved. See attachment for certified mail tracking numbers to back up my claim of sending dispute letters and to prove XXXX XXXX XXXX has been put on notice about this inaccurate account reporting to my consumer file more than ONCE. Reporting Medical debt is illegal. The thought of trusting my physician to not share my personal medical file to anyone has left me feeling betrayed. 

The term breach of security means, with respect to unsecured PHR identifiable HEALTH information of an individual in a personal HEALTH record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a FedEx delivery to my house from a debit collector that I do not do business with. They are saying in their letter for a demand for full payment to a credit card company. XXXX XXXX XXXX is who I got the credit card from and Midland Credit is threatening me with legal action from an attorney in my state which is Michigan. They are also saying in the letter to contact their legal department. I dont k ow who Modland Credit is nor do they have any signed contract between myself and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I have tried at the beginning of the modification that was given which was XXXX. I told them that it was too expensive and if they could make the forbearance payment more affordable to XXXX that I could make the payment and not fail any payments. Select Portfolio Servicing refused to help me. Whenever I called every one was basically rude to me. I struggled for 3 months and made the XXXX payments after then I knew I couldn't make those high payments anymore. I applied for a new modification for a affordable payment and yet I have been denied. When I call they tell me that my mortgage has been turned over to an attorney for legal action. I need to keep my home but I need the mortgage company to please work with me. I am trying to avoid bankruptcy in order to keep my home. I don't to go that route. Can I please get some help so I can bring my mortgage payments up to current please? Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation