vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for XXXX years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. Equifax XXXX : XXXX XXXX XXXX XX/XX/XXXX The XXXX XXXX  Card listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and XXXX other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that XXXX years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my XXXX personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the XXXX credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXXXXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX  has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My three credit cards were paid in full they have a XXXX balance. 

This is the only XXXX XXXX credit I have owned, activated used and paid off in full. XXXX. XXXXl XXXX  personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal XXXX  XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the XXXX credit reporting bureaus. 

When XXXX XXXX  reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for two years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and two other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that two years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my two personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the three credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My XXXX credit cards were paid in full they have a XXXX balance. 

This is the only XXXX XXXX XXXX  I have owned, activated used and paid off in full. XXXX. XXXX  platinum personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal XXXX XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the three credit reporting bureaus. 

When XXXX XXXX  reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.

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 2024-08-11 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: CA

Complaint narrative:
There is a XXXX XXXX  XXXX credit inquiry from XXXX on my credit report on Transunion. I called XXXX  XXXX XXXX about this and the only information they gave me was that I needed to file a dispute on my credit report for this because of fraud. I filed a dispute with Transunion but they wont remove it for some reason. Please help me to remove this information on my credit report that was due to fraud and identity theft. There has been a lot of fraud and identity theft with my information and Ive been trying to deal with it. XXXX  XXXX XXXX has been responsible for allowing much of it and letting them walk through and steal everything out of my bank account and have unauthorized access to my online account. I spent weeks working to resolve it the best I could. This inquiry remains on my credit report. They wouldnt give me information on what is was for, only that I had to file a dispute with the credit bureau. I did but it still remains.

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 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
XXXX withdraw of {$160.00} and machine only disbursed {$120.00}. I immediately called the XXXX Phone number and detailed what had happened. They person a stated that they would dispatch a tech to check the machine. I called back that same evening and was told that the technician found a jam. I was instructed to call my bank and dispute the charge. I called Chime and they said the would investigate. They contacted me and said they denied the claim and I asked why. They said that I was given {$200.00} and they could not find evidence of fraud. I explained the whole situation again and they said once again they would investigate it. The date of the initial withdrawal was XX/XX/year>. As of today I have not received a refund or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XXXX paid {$2100.00} Regular Payment. 

This was {$710.00} XXXX, {$800.00} XXXX, {$660.00} XXXX 

But Shellpoint again went in & for no known reason, minused off ( {$350.00} ) on the same date. 

The amounts were also incorrect for the prior payment on XXXX, as mentioned in previous complaint. 

{$710.00} Principal and {$660.00} XXXX  were not correctly credited to my account. {$350.00} fee was added for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Borenstein & Associates, LLC
State: CO

Complaint narrative:
Borenstein and Associates made an attempt to collect {$30000.00} for an account that was opened with XXXX XXXX XXXX. I have never filled out an application for a loan with XXXX XXXXXXXX XXXX I filed a complaint with the CFPB on XX/XX/2024. 

This debt does not belong to the consumer. The consumer is disputing the validity of the debt. In order for there to be a debt an application has to be filed in which will contain the social security number and a signature of the consumer 's agent must be upon that application. The consumer was a part of the XXXX security breach in XXXX and the consumer 's agent filed a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I Somebody made unathorized charges stealing everydollar ouyt of my bank account. I tried to dispute chime said the charges were made near my houser. I provided school attendance records and work schedules proving that during the time of the unathorized charges I was at least 2 cities away from my house. I even offered my other banks transaction to prove the cfharges obviously were not made by me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
The original loan amount was for {$7500.00}. It has now ballooned to over {$16000.00}, with {$23000.00} total accrued interest. I have leaned that private student loans require a XXXX XXXX of at least XXXX. Back when these loans originated with XXXX XXXX XXXX XXXX  years ago, my XXXX XXXX was barely XXXX. So these loans should have never been granted as a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
To whom it may concern, I am writing to dispute and remove the following items from my credit report. The item that I XXXX XXXX XXXX is listed below. I am the victim of identity theft and did not create this account. I request that the item be removed so that my credit report can be corrected. I have reported the theft of my identity several times. 


I am the victim of identity theft and did not open the accounts on the attached FTC XXXX. I request that these items be removed to correct my credit report. I reported the theft of my identity several times without fail and I have provided numerous details with hardship information. In addition, I do not remember being late on any payments either and I am asking those to be updated to current. These creditors DID NOT follow their own guidelines and procedures if they did it was not made in a timely manner. I have also sent multiple letters. I am unable to focus on every day activities and this issue is preventing me from employment, a car and a home along with furthering my education. Please fix this ASAP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
To whom it may concern, I am writing to dispute and remove the following items from my credit report. The item that I XXXX XXXX XXXX is listed below. I am the victim of identity theft and did not create this account. I request that the item be removed so that my credit report can be corrected. I have reported the theft of my identity several times. 


I am the victim of identity theft and did not open the accounts on the attached FTC XXXX. I request that these items be removed to correct my credit report. I reported the theft of my identity several times without fail and I have provided numerous details with hardship information. In addition, I do not remember being late on any payments either and I am asking those to be updated to current. These creditors DID NOT follow their own guidelines and procedures if they did it was not made in a timely manner. I have also sent multiple letters. I am unable to focus on every day activities and this issue is preventing me from employment, a car and a home along with furthering my education. Please fix this ASAP!!

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I have never agreed to do business with the creditors listed. Any deal made in my name was done without my knowledge or consent. 

Please remove immediately. 

These accounts are being reported under different names, by a different company on each bureau as well.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I have never agreed to do business with the creditors listed. Any deal made in my name was done without my knowledge or consent. 

Please remove immediately. 

These accounts are being reported under different names, by a different company on each bureau as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Hello, I have repeatedly been contacted by Ability Recovery stating that I owe a medical debt from XXXX or XXXX. The name of the facility is unfamiliar to me and is not a facility I have ever been to. I asked for the explanation of benefits along with report showing the date of service, Doctor seen, patient and medical insurance billed. I have always had medical insurance, therefore they should be able to provide this information. The services would have been provided XXXX XXXX, as this was my married name during those years in question. I have been told the information has been sent, however I have never received. When I ask for it to me emailed or sent certified mail, I am being told they do not send encrypted emails, nor do they send certified mail. I do not believe this is my debt, however my hands are tied, as Ability Recovery will not provided the required information, nor will they remove this debt from my credit. I am reaching out to you in desperation to get this resolved. I have exhausted all attempts. Any assistance you can provide to this matter will be greatly appreciated. 

The Company who has been contacting me is : Ability Recovery XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX If you need to contact me, I can be reached at ( XXXX ) XXXX. 

Your attention to this matter is greatly appreciated. 

Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed this account XXXX XXXX # XXXX several times because it is reporting inaccurate and I want it deleted off my consumer report. However Experian and XXXX XXXX says it reporting accurate but both companies reporting different things. WHICH ONE IS TRUE?? This is a violation to my consumer law rights, everything on my consumer report MUST BE FACTUALLY AND TRUE. I have also enclosed copy box report to support my complaint.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX has committed a Fraud by selling me an unfinished Car. They have made many false promises in order to sell their product. Chase Auto was their Finance Partner and they should also be held accountable. First they gave loans at a very high rate of interest and within a couple of months they dropped rates to lure new buyers. I dont believe they were not aware of XXXX financial situation back in XXXX XXXX. I purchased the car in XX/XX/XXXX. 
XXXX has filed for bankruptcy and will not be able to honor warranties and has not committed to giving owners promised features of the car.

Company response to consumer: Closed with explanation