vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a new checking account with BMO back in XXXX of XXXX online and set up bi-weekly deposits from my employer in the amount of {$1000.00}. I have been scheduling a withdrawal from XXXX around the same day after the payroll deposit to XXXX XXXX which is earning interest. I had no idea my account would be closed. I still have a direct deposit already processed thru my employer that's set to be deposited on XX/XX/XXXX. XXXX never indicated I was not in compliance with their rules. In fact, today I received a notification my statement was available, although upon logging in, I have no visibility to my account nor any current or past statements. BMO has removed any access. Extremely frustrating and they are unwilling to reopen the account. XXXX notification given.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV FUNDING LLC obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The bankruptcy file date has been tagged erroneously. Moreover, this bankruptcy had been terminated. Make sure to pull of this Bankruptcy from my folder to guarantee that I really dont need to work on my personal rights pursuant to 15 USC Section 1681n or 1681o, which usually needs your compliance along with the law. This should be removed from my credit as per the Fair Credit Reporting Act. XXXX XXXX Bankruptcy Reference # : 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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
After reviewing my credit reports I discovered two accounts from Transworld ( TSI ). I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX and Account # XXXX via certified mail on XX/XX/2023. USPS Tracking states it was delivered on XX/XX/2023. I have given Transworld ( TSI ) well over 30 days to response and they have not. I wanted this information removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MD

Complaint narrative:
I had a secured card with XXXX XXXX XXXX  ( " the bank '' ) circa XXXX to about XXXX when my account was closed, in good standing, by the bank. I neither heard from the bank again electronically, by mail, phone, or otherwise nor ever received my security deposit after inquiring ; I did not follow-up, believing the bank would automatically return my deposit. That was the end of my relationship with the bank. 

TransUnion notified me in XX/XX/XXXX the bank reported a delinquent account for {$5.00} - I have no account with the bank and tried to remedy it through TransUnion believing it was a mistake. Since I don't have a credit card with the bank, was my account number recycled? How can I owe a bank that, per TransUnion 's investigation ( File Number XXXX ), have paid on time for years ( up to XX/XX/XXXX ) with no knowledge of its existence or statements showing what any charges are for? On XX/XX/XXXX, the bank reported another delinquency to TransUnion. 

My account was closed by the bank per other CRAs many years ago, so what's going on here? Did the bank reopen my account and just started assessing some sort of fees? How can my account be in good standing for 5 years and I don't have a credit card with the bank- which requires an annual fee. Where's my old security deposit? Was a new card issued in my name and activated by me? When? Where?

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 2024-01-04 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:
Hard inquiries that idont recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-01-04 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection 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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a text and email stating that I had created an account with Chime. I never authorized this so I called and they asked for my name, email, current address and last XXXX of social. The addresses didnt match so I gave him my XXXX prior addresses and it matched my XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was told that this was the address used. Its weird because my email and phone number were used and I believe Chime themselves opened this account without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NJ

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-04 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: MI

Complaint narrative:
XXXX  created a FALSE DEBT by claiming i am EMPLOYED as a XXXX  with the XXXX XXXX XXXX XXXX. i am actually XXXX and unable to work. numerous GOVERNMENT DOCUMENTS EVIDENCING that i have NEVER BEEN EPMOYED AS A XXXX  by the XXXX  XXXX XXXX XXXX have been provided. the social security administration has provided a certified letter stating i was never EMPLOYED AS A XXXX  by the XXXX  XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX has also provided a statement that i was never employed by the XXXX  XXXX XXXX XXXX. experian refuses to remove the demand from my credit report. experian is in violation of numerous rules and laws. 442 USC 659 ( h ) 1 ) ( B ) ( iii ) specifically prevents the use of veterans compensation ( title 38 payments ). 38 USC 5301 specifically prevents use of veterans compensation in any legal process. more importantly, 5 CFR 581.103c7 and 5 CFR 581.102 and 104 as well as 38 CFR 3.458 prevent experian from allowing XXXX  to impose the illegal demand for payment. the most important rules are 15 USC 1672 and 15 USC 1673, which are clarifying that i have to EARN money from employment or retirement. i am neither employed or retired. i have no income, as verified by the social security administration. the state of XXXX  is CLEARLY stating i am employed by the XXXX  XXXX XXXX XXXX, which is FALSE. the demand must be removed because it is based on employment i never had. THEY WERE PROVIDED DOCUMENTATION THAT I AM TOTALLY AND PERMANENTLY XXXX AND UNABLE TO WORK. if it were legal to use my veterans compensation, the state of XXXX  wouldnt have had to create a false job. please remove the demand, because XXXX and XXXX adhered to the law. experian is the only rogue reporting agency allowing this destructive demand to continue on my very clean report. i do not and can not have the money the state is demanding because i do not and can not work. XXXX  specifically targets XXXX persons in orders to create welfare cases for healthy persons under 42 USC 658 ( 4 ) ( D ). this criminal conduct discriminates against the XXXX veterans and deprives them of the extensive protection created by law to defend injured persons. experian has behaved in a criminal manner and should be penalized according to law. i believe the instant remedy is a penalty of {>= $1,000,000} against Experian for refusing to remove the demand, which has been proven to be created through false information.

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 2024-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I visited the XXXXXXXX XXXX ATM located inside a XXXX XXXX grocery store located at XXXX XXXX XXXX XXXX in XXXX XXXX, MO. I requested {$480.00} to be removed from my Chime Credit card acct ( which is linked to my Chime checking acct ) to pay half of my rent for XX/XX/XXXX. I did not request a receipt at the time because I knew how much I had, and it was just going to be a quick transaction since I had to have it in to the office by XXXX that day since they were leaving early. I was in a rush and either my elbow or purse pushed the money back in to the ATM as it was still clamped to the ATM and before I could reach and grab it, the ATM pulled the money back in. I frantically tried to get the money back, even tried to do another transaction thinking maybe it was placed back on my account. No luck. My balance at that time was around {$7.00}. 

Immediately after this another person tried to use the ATM ( I kept standing there ) and suddenly, the machine said it was Out of Order- at this point no one could use it without a technician. I went to the Customer Service desk at XXXX XXXX and the person who helped me went to the ATM and tried to troubleshoot it himself with no luck. He then instructed me to call XXXX XXXX which I did around XXXX XXXX CT. The rep that answered the phone told me to call my bank ( Chime through The XXXX XXXX  ) which I did. I filed a dispute with Chime and they told me it would take a few weeks for a resolution. I called XXXX XXXX  back ( around XXXX or XXXX ) and tried to get a hold of their Treasury Department since I am familiar with the banking industry That rep told me there is nothing they can help me with and no way of knowing the ATM even though I know where the ATM is located. From my personal experience, I know that is a lie. I called Chime last week to check on the dispute and they said it was rejected since I received the money. 

I did not receive the money. The ATM also has a camera attached that should prove that I never handled the money and XXXX XXXX  Treasury department should have also noticed this when the ATM was counted ( remember the ATM was rendered out of order when the money was pulled back into the ATM ). 

I am very familiar with banking and the financial industry as I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX as recently as XX/XX/XXXX, so I know how it works and I know that the ATMSs always keep a tally of the currency inside and any errors. Since XXXX, I have worked at XXXX XXXX XXXX XXXX XXXX XXXX, so I am very familiar with the banking/financial industry. 

The ATM tech also would have noticed something was awry when he came to fix the machine. XXXX XXXX  is playing with my money and I want it back. I am not a customer of theirs and will never be. Please someone investigate this and contact me via email or phone. 

I have filed a complaint with the OCC. Case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: PA

Complaint narrative:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received a call from someone named XXXX from Bank of America who stated he was calling regarding a forbearance. 

I asked what day does it start and end. Per XXXX it starts on XXXX. I then ask what happens to XX/XX/ and he basically talked in circles. I repeated the question again but rephrased it. A nightmare. 

It was a simple question that should have an answer somewhere at Bank of America. After going round and round, he finally said XXXX is covered? What should have taken 30 seconds to answer turned into five minutes of confusion. 

I still dont think he knows. I then asked about the repayment options and he stated it could be this it could be that. No one knows until the forbearance ends. 

I then stated that cant be because the first forbearance they provided the repayment options at the time the forbearance was approved. 

Also my investor publishes the repayment options for forbearances. However, apparently my investor hasnt made Bank of America aware of these options.

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