vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>. I used XXXX  XXXX XXXX ATM. The ATM took {$780.00} out of my account and I got not XXXX dollar. XXXX  XXXX XXXX admitted fault and said I will get my money. I have XXXX XXXX XXXX. I am a single dad. I work XXXX hours a week. That was my paycheck. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX admitted fault and said they would get my money very quick. Chime is refusing to release it to me. I need to feed my kids. This is a emergency situation. I want my money. It's my money. Not theirs. I filed lawsuits on chime And XXXX  XXXX XXXX. I want my money ASAP. Investigating is over when they admitted fault. I want what's mine and now. They are purposely holding my money. Please help me so I don't have to go to the next step with them. I have kids and this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the accounts. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX XXXX reporting 's. Every marking is a federal consumer rights violation, and each violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, 15 USC 1681a and 15 USC 1681s-2. I will file arbitration as my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: AL

Complaint narrative:
Discrepancy in Credit Report Information Across Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue I am experiencing with my credit reports. Specifically, certain inquiries have been successfully removed from one of my credit reports but are still appearing on the other two reports maintained by the major credit reporting agencies. They were removed from XXXX but still showing on Equifax and XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they provide. Section 611 of the FCRA ( 15 U.S.C. 1681i ) outlines a consumers right to dispute inaccuracies on their credit report, and Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information must ensure that all credit reporting agencies reflect consistent and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: GA

Complaint narrative:
On XX/XX/XXXX, I had money stolen from my sons Direct Express card. The money was stolen via XXXX. The person who stole my account information was able to change the account username and password and my address on file in an attempt to receive a new card. I called and reported this information to Direct Express through the customer service and they cancelled the card and started a dispute. I received dispute papers in the mail within 7 days and I filled them out and emailed them back. A few days later, Direct Express issued a provisional credit. On XX/XX/year>, the card has now been overdrawn in the amount of the provisional amount. This is unfair to me and my sons who receive their money. My identity was stolen and we were almost evicted because of the money being stolen and now they are ruling against my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-17 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: CA

Complaint narrative:
I reviewed my credit report, and notice that my account for XXXX XXXX XXXX  account # XXXX type, Credit Card, and noticed a couple of late payments of the year off XXXX, and XXXX that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

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 2024-12-17 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: CA

Complaint narrative:
I reviewed my credit report, and notice that my account for XXXX XXXX XXXX  account # XXXX type, Credit Card, and noticed a couple of late payments of the year off XXXX, and XXXX that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advance.

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 2024-12-17 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:
I reviewed my credit report, and notice that my account for XXXX XXXX XXXX  account # XXXX type, Credit Card, and noticed a couple of late payments of the year off XXXX, and XXXX that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advance.

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 2024-12-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: OH

Complaint narrative:
XX/XX/year>. Bright Money debited XXXX from my bank account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the account. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n and 15 USC 1681a , 15 USC 1681c , 15 USC 6801, Family Educational Rights and Privacy Act, and 15 USC 1681s-2 . I will file Arbitration as my next action if we can't come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: AZ

Complaint narrative:
Dear Experian Consumer Relations Department, I am writing to formally request that Experian block and delete any and all accounts in my name that were associated with the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this data breach, I am concerned about the potential for fraudulent accounts or identity theft associated with my personal information.

According to 15 U.S.C. 1681c-2 ( a ), I have the right to request that Experian block and delete accounts and information resulting from identity theft. This includes the credit card account from A charged off credit card from XXXX XXXX Account Number XXXX for the amount of {$1400.00} ; a charged off credit card from XXXX  XXXX account number XXXX for the amount of {$10000.00} written off but {$10000.00} past due ; a charged off credit card from XXXX XXXX  account number XXXX for the amount of {$830.00} ; a charged off credit card from XXXX XXXX XXXX  account number XXXX for {$19000.00} ; an charged off unsecured loan from XXXX XXXX XXXX XXXX account number XXXX for the amount of {$27000.00} ; a charged off unsecured loan from XXXX XXXX XXXX XXXX account number XXXX for {$39000.00} and a hard inquiry from XXXX XXXX XXXX XXXXXX/XX/year>. Please initiate the blocking and deletion process for any fraudulent accounts or information that may have resulted from this breach.

I kindly request written confirmation that this request has been fulfilled and that the affected accounts and information have been removed. I am including my official Federal Trade Commission Report # XXXX. 
Please feel free to contact me via the information provided above if you require any additional documentation or have questions regarding this request. 
Thank you for your immediate attention to this matter.

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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-17 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: NY

Complaint narrative:
Consumer Name : XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize any of accounts as reported. I do not recognize any of those accounts as reported. those accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have called earlier within XXXX debt collector mention, we repost your debt to your credit report once a month. I explained that is illegal to repost a debt already on my report. They repost, again, my credit score XXXX, down XXXX points for a debt already posted. XXXX. I called ( current debt owner, LVNV Funding LLC, also operates under another name " Resurgent Capital Services '', reference ID XXXX. I requested for them to send all three debts via mail. They only sent me one debt, yet, they wanted me to over the phone about the other two more debts. That I have never received. I said send all three debts, by law, you have to send all that is owed. They did not honor my request. Once a month, they keep reposting same debt on Credit report. The company has two names, which are on the same letter spread of debt. Both names, goes on the credit report, as they keep reposting. I was asked if I had a lawyer, the representative said she would not speak to me anymore, after 15 minutes conversation. I don't have a lawyer. " Beyound finance '' debt consolidation company has spoken to them before. They have caused damage to my credit report, credit score. Debt collector, knows, I am XXXX percent XXXX  XXXX veteran that does not work. The constant illegal reposting a month on my credit report, phone calls, is harassment. I also mentioned to them to send me their policies and procedures, what legal authority gives them to repost once a month. I had mentioned, by law, I don't need a lawyer to request a debt for you to send to me via mail. After I have been verified both automated & live representative. They are going to correct themselves, not reposting once every month. Tell the credit bureaus to correct my credit score due to their error. Credit score dropped XXXX points. I told them I was in the process of getting with my credit consolidators to save more money to pay a half settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC
State: OR

Complaint narrative:
I have received the second letter, dated XX/XX/XXXX, referring to a voluntary payment. After the previous letter was received, I both emailed and called Launch Serciving on XX/XX/XXXX to ask about the contents of the letter. Namely, I wanted to know what my new payment will be if I don't make the Voluyary payment. When I called, I was on the phone for 1 hour with no human interaction. Also, I emailed the provided email address and the reply was that the inbox wasn't monitored. Finally, I emailed the XXXX leaders asking specifically about this and haven't received a response.

Company response to consumer: Closed with explanation