vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: KS

Complaint narrative:
At the beginning of the month I had my phone in my wallet taken out of my car and I disputed the charges on my card XXXX  days later when I finally found out what had occurred and chime will not replace the money they keep denying my claims I rebutted them XXXX times but because of that I don't have the same phone for them to verify that it's me I can't get into my email because I'm locked out of it and they won't change any of my stuff on the computer because they can't verify that it's me I've sent them documents after documents after documents that it is me tax papers birth certificate ID you name it I've done it probably XXXX times this month and I still can not get into my account nor has any of my money been replaced it was stolen by a man XXXX XXXX showed me the footage it's insane to me that these XXXX pardon my French won't fix it something needs to be done about these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX 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 explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.

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 2024-06-25 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: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a distribution request through XXXX XXXX XXXX to rollover my XXXX to a XXXX account. XXXX XXXX XXXX sent a check via XXXX XXXX Mail. The check was made out to XXXX XXXX [ [ My Name ] ] in the amount of {$13000.00}. 

I did not receive the check so I contacted XXXX. After several attempts, I was able to finally track down the check. It had been cashed by a person I do not know and that is not listed on the check. XXXX starts a claim with PNC Bank to acquire an affidavit. I fill out and send the Affidavit to the Bank via XXXX XXXX Mail. 

From XX/XX/XXXX to XX/XX/XXXX, I made countless phone calls and messages ( via XXXX online Help Chat ) to get a status update with no success. The XXXX representatives usual response was we put in a request to the XXXX Department. The customer service line at PNC Bank informed me that since XXXX is the client, they are not allowed to work with me directly so I need to have XXXX contact the bank. 

In XX/XX/XXXX, the XXXX representative from the XXXX XXXX department informed me that the bank did not receive my affidavit. I provide him with a copy to forward to the bank. 

From XX/XX/XXXX to XX/XX/XXXX, another string of calls and emails for status updates. During this time, I do not receive any contact from the XXXX XXXX Department directly so I continue communication with the same XXXX Representative from the XXXX XXXX department. 

On XX/XX/XXXX, the XXXX representative informs me that PNC Bank has confirmed the check was cashed by a bad actor but the " claim was denied at the bank due to no funds being made available to recall. 

XXXX also responds, " At this time the claim is closed, and XXXX was not provided the funds to provide to you from the bank. '' XXXX goes on to suggest that if I want a resolution, I should instead work with law enforcement. 

I request for XXXX to get clarification and additional options from the bank. I also file a police report and a report with United States XXXX XXXX XXXX. The XXXX inspector also informs me that in these cases, XXXX should have also filed their own reports so I requested copies of these reports from the XXXX representative. 

In XX/XX/XXXX, Ive sent multiple emails to XXXX requesting for the copies, for updates from the bank, and for any additional ways to help me resolve this case. Their only response so far is, Ive forward the request to our fraud team who is looking into getting the copies of the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MI

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized inquiries linked to my profile. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: HI

Complaint narrative:
XXXX XXXX, XXXX XXXX in MD, was paid in full for amount due, then turned the exact same amount over to collections. Neither XXXX XXXX, XXXX XXXX, nor National Credit Systems ( NCS ) are willing to cooperate to have this removed from credit report after providing proof there was do debt to begin with. XXXX XXXX XXXX department doesn't respond, and NCS disputes are. handled by a lawyer. All of which seems intentionally coordinated, and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the ongoing failure of credit bureaus to correct inaccurate personal information in accordance with the Fair Credit Reporting Act ( FCRA ). This failure has directly resulted in significant errors and delays in my social security case due to an inability to verify my correct information. 

Details of my complaint are as follows : Despite multiple attempts to correct my personal information with the credit bureaus, including but not limited to [ specific dates of contact ], I have been met with persistent negligence and disregard for the accuracy of my credit report. 

I am legally entitled under FCRA to have the following accurate information reported : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Telephone Number : [ XXXX XXXX XXXX ending in XXXX ] Date of Birth :XX/XX/XXXXXX/XX/year> Social Security Number : [ Correct SSN ending in XXXX ] Employers : Requesting removal of all employer information This inaccurate reporting has directly impacted my ability to verify my identity for important purposes, such as my social security case, leading to errors and delays that could have been avoided if the credit bureaus had complied with FCRA requirements. 

Enclosed with this complaint are documentation supporting my correct personal information. 

I demand that the Consumer Financial Protection Bureau enforce the FCRA laws and take immediate action to compel the credit bureaus to correct and update my personal information accurately. It is within your authority and duty to ensure compliance with these laws to protect consumers like myself from the harmful effects of inaccurate credit reporting. 

I expect a prompt and thorough investigation into this matter, along with appropriate enforcement actions to rectify the credit bureaus non-compliance with FCRA. 

Thank you for your urgent attention to this matter. I look forward to your swift resolution and corrective action.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the ongoing failure of credit bureaus to correct inaccurate personal information in accordance with the Fair Credit Reporting Act ( FCRA ). This failure has directly resulted in significant errors and delays in my social security case due to an inability to verify my correct information. 

Details of my complaint are as follows : Despite multiple attempts to correct my personal information with the credit bureaus, including but not limited to [ specific dates of contact ], I have been met with persistent negligence and disregard for the accuracy of my credit report. 

I am legally entitled under FCRA to have the following accurate information reported : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : [ Correct Phone Number ending in XXXX ] Date of Birth :XX/XX/XXXX Social Security Number : [ Correct SSN ending in XXXX ] Employers : Requesting removal of all employer information This inaccurate reporting has directly impacted my ability to verify my identity for important purposes, such as my social security case, leading to errors and delays that could have been avoided if the credit bureaus had complied with FCRA requirements. 

Enclosed with this complaint are documentation supporting my correct personal information. 

I demand that the Consumer Financial Protection Bureau enforce the FCRA laws and take immediate action to compel the credit bureaus to correct and update my personal information accurately. It is within your authority and duty to ensure compliance with these laws to protect consumers like myself from the harmful effects of inaccurate credit reporting. 

I expect a prompt and thorough investigation into this matter, along with appropriate enforcement actions to rectify the credit bureaus non-compliance with FCRA. 

Thank you for your urgent attention to this matter. I look forward to your swift resolution and corrective action.

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 2024-06-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My XXXX credit report shows an unexpected inquiry on XX/XX/year>, listing American Express with a XXXX phone and mailing address. 
XXXX directed me to call American Express to inquire further and follow the instructions on https : XXXX American Express customer service could not locate any application submitted on that date. 
I was advised to follow the same instructions listed on XXXX 's website. I sent a letter ( attached ) via Certified Mail electronic return receipt with my name and copy of XXXX credit report ( attached ) stating I didn't apply for any account on XX/XX/year> and American Express customer service did not locate any application matching this inquiry. The last valid inquiry is XX/XX/year>. 
I requested American Express please send a letter directly to XXXX to remove this inquiry from my credit report. 

The response letter from American Express ( attached ) stated they are unable to comply and that they had a permissible purpose to order and review my credit report when I submitted an application. 
They did not provide any details about said application. 
Seeking details about this alleged application submitted on XX/XX/year>, I called American Express 's credit reporting department and was transferred to the new account department for identity theft review. 
They still could not locate any application corresponding with this inquiry. They also did not show the inquiry in their system. 
They refused to send the letter to XXXX to remove the inquiry shown on my report that they claim did not come from them. They so far have not been willing to comply with XXXX 's guidance : If the lender cant confirm the account or if the inquiry was made in error, ask them to send a letter directly to each credit reporting agency that shows the inquiry to remove it from your credit report. 

I was advised the next step would be to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-25 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:
My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief