vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: AL

Complaint narrative:
Chime bank has let a company called XXXX charge my account {$2300.00} over - 4 month period. The charges are all Fraudulent Ive never heard of this company. Chime has credited me XXXX in charges from this company but not the remaining amount. Ive asked chime for Documents from the investigation and they only sent me a intake form which the rep that did the form input incorrect information. She failed to notate my phone was hacked and my identity had been compromised along with my phone. I reached out to XXXX who stated they didnt have any information of an account from me in my name and they told me to dispute with my bank and have my bank refund the charges. Chime has failed to refund my charges and will not give me A reason of why it was denied they only sent my a intake form. They have failed to state certain information that chime has to provide on the denial letters ( such as terminal location/transaction location, type of transaction XXXX XXXX XXXX XXXX XXXX XXXX ) name of financial institution that initiated charge ) they had none of this in the denial reason. They also misstated what i said in my dispute.this company is not adhering to the regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-03-21 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
Keeping payments on this account consistently timely has been a priority for me, ensuring they are never overdue. I'm unclear about the basis for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections are necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: CA

Complaint narrative:
I have emailed them and called them numerous times since XX/XX/year>. The only responses given are automatically generated. No one had 7 hours to wait on the phone. Shut this disgusting company down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TX

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 2024-03-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

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 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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I confirm that the presence of inaccurately documented late payment remarks on my accounts constitutes a violation of the regulations outlined in 15 USC 1666. All payments associated with these accounts have been promptly submitted, and any deviation from this accurate reporting is unjust and illegal.

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 2024-03-21 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: ALLIANT CREDIT UNION
State: DE

Complaint narrative:
I am writing to file a formal complaint against Alliant Credit Union regarding their handling of my auto loan account, [ Account Number : XXXX ], and their unlawful reporting practices to consumer credit agencies. I demand immediate action to rectify the situation in accordance with consumer protection laws. 

1. **Unlawful Reporting of Charged Off Auto Loan : ** Alliant Credit Union has unlawfully reported my auto loan as charged off, resulting in severe damage to my credit score. According to both federal and Delaware state laws, a creditor must adhere to specific guidelines when charging off an account. The Fair Credit Reporting Act ( FCRA ) clearly outlines that charged off accounts must be reported accurately and fairly. However, Alliant Credit Union has failed to do so by prematurely charging off my auto loan without providing proper notice or adhering to the necessary procedures. 

2. **Failure to Provide Form XXXX for Charged Off Accounts : ** Additionally, Alliant Credit Union has failed to provide me with a Form XXXX for the charged off account, as required by federal law. The Internal Revenue Service ( IRS ) mandates that creditors must issue a Form XXXX for any canceled debt exceeding {$600.00}. By neglecting to provide this essential documentation, Alliant Credit Union is in direct violation of federal tax laws. 

3. **Lack of Power of Attorney Over the Vehicle : ** Furthermore, Alliant Credit Union never possessed a power of attorney over the vehicle associated with the auto loan. According to Delaware state laws, a creditor must have proper legal authority, including power of attorney, to undertake repossession or take ownership of a debtor 's vehicle. Alliant Credit Union 's failure to establish such authority calls into question the validity of their actions regarding the auto loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
New 120 days late reported on XXXX XXXX account for XX/XX/year> when account is not late, in fact account has no balance to pay for XX/XX/XXXX statement because there was no balance carried over.

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 2024-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I did apply for Home refinance with equity loan and I provided everything all documents XXXX XXXX XXXX asks me too along with 30 days Pay stubs, XXXX form for XXXX years, Assets such as XXXX, stocks, all Bank accounts include with my husband information. 
I am assuming my application is approved because I signed and initial all documents, consent, etc. thru Sofi online account. 
The last document I attach missing paystubs, XXXX form, XXXX, Mortgage statement week ago and he needed the appraisals receipts which I am confuse because he did not tell me will be provide by Sofi company. 
I send him an email this Monday XX/XX/XXXX asking if I have to hire the appraisals person, and he replied that the Sofi company unable to use from other lenders. 
I made a schedule appointment with him XX/XX/XXXX and Ive talked to him the afternoon, and he states that my application will not be forwarded due to Texas law because weve taken equity loan many years ago and cant be a HELOC and I ask if there is another way he said for me to go to my current lender. 
I was very disappointed that all documents related to me and husband personal information were sent to him and all signed. Not only that our 3 credit report requested and this how he handles customer service professional?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
Requested investigation via website and also sent written letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX stating the inquiries were not approved or requested by me. Equifax stated the information even incorrect and unauthorized is factual data and will remain on the file for 2 years. 
I stated in my letters to Equifax under the FCRA and the Fair and Accurate Transactions Act, there are provisions related to record accuracy and identity theft which I am requesting the stated inquiries below be removed immediately as they were not authorized by me and you have been notified I am a victim of Identity Theft. Whereas your organization states inquiries are factual records, it is just the opposite for victims of Identity Theft who have not applied for credit with the organization in question. Consequently, this regulation provides provisions related to record accuracy and states identity theft is not part of a factual record and therefore the stated inquiries below should be removed immediately as they were not authorized by the person who owns the file. It furthers penalize the victim ( myself ) as this information lowers my credit score resulting in higher rates in loans and denial of credit. This alone should be the reason the information should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX wires submitted Monday XX/XX/XXXX XXXX. Funds were taken from my account. Thursday XX/XX/XXXX : funds still not sent to wire recipients. Dont know where my money is. Ally cant tell me where it is or when it will be sent to recipients. I believe this is fraud.

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 monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
In 2011 Wells Fargo closed my accounts stating that I had a fraudulent deposit and froze all funds in my accounts. I went to the bank and ask for an explanation and they told me the IRS did it. I called IRS and they did not nothing about it they told me that I had to contact the back. There was no case under my name or business name. So I went back to WF and they kept insistent that the IRS made a hold. Every week I would call WF to check on the status and nothing. I than started to go to the bank so the tellers could help me and we would stay around 2-3 hours repeating our selfs and no answers. It took around 1 year and 3 months to be able to get my funds, the manager of the XXXX XXXX branch help me. We had called before and they told us to call them back in a week, so I went to the branch and called and same answer, but this time they had put my money in Unclaim funds which I dont understand, every week I was calling to check on the status. Well they told us that it would take 3-4 days to get that money and the manager told them that I was getting very upset and that this needed to be fix today because I wasnt going to leave with out my money. I request for the bank paid me interest since they kept my money for more than a year and they gain money with my money. They said no interest would be paid in.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-21 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: WA

Complaint narrative:
I did not initiate any of these inquiries.

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 2024-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
I started a dispute. XXXX said they validated the account. They did not explain what they did. XXXX XXXX was unable to validate the account and sent me a letter saying that they would not continue to report this account to the Bureaus. Accounts are still being reported.

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 2024-03-21 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:
I started a dispute. XXXX said they validated the account. They did not explain what they did. XXXX XXXX was unable to validate the account and sent me a letter saying that they would not continue to report this account to the Bureaus. Accounts are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
I have requested that Equifax verify these accounts and I have yet to get a response but they have tried to send me stall letters only. they are not taking me serious at all. it is my understanding that they had 30 days to investigate and remove any items that were not validated. Equifax has also informed me that I have been a part of their data breach and still have not removed the negative items. I have my FTC report and my engagement number from the big Data breach that i will be attaching to this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
It was charged off on XX/XX/XXXX. My last payment was XX/XX/XXXX Its been reporting since XX/XX/XXXX as late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
My credit report was use without my consent and there are accounts that i am not familiar with and I want to report it as fraud or identity theft.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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