vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra
State: LA

Complaint narrative:
Abra refuses to return my XXXX I held in an Abra wallet. In XXXX, I deposited {$3000.00} USD and held $ XXXX and $ XXXX in their wallet since then. They recently locked me out of my wallet and claim that I did not transfer my funds out before XX/XX/XXXX and therefore the funds are " considered lost ''. The value of that $ XXXX is anywhere from $ XXXX $ XXXX currently. I am attaching the initial transaction report ( and deposits ), but do not have more recent activity since they've locked me out of my account. 

Also attaching my correspondence with them via email.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

Please update all disputed items below to paid on time and never been late.

Update/Correct payment history to paid on time immediately! 

XXXX XXXX  Account number : XXXX, Inaccurate. 
Past due needs to be updated, to be paid on time and never been late XXXX : Account number : XXXX, Past due needs to be updated, to be paid on time and never been late

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
This account was not mine someone used my name and used incorrect spelling and signature Im not sure how this was even attached to my social security number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NY

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I have been having XXXX dollars taken out of my checking account for the last 6 months. I reached out to them on XX/XX/2024 to cancel my membership which I didn't sign up for, I recall that I went with the free version of membership. They informed me that I can not cancel my membership cause I owe them XXXX for a loan that I can not access.I have not received a XXXX of the " loan '' but I owe them a XXXX Please help me. I am on XXXX and unfortunately XXXX is a lot of money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

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 2024-04-08 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: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 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: CO

Complaint narrative:
Below accounts are closed, discharged/charged-off. These are considered " Certificate of Indebtness '' per IRS Publication 4681 ( 2022 ) and these fall under the description of income. Income is not reportable & no 1099-C was filed or provided. These accounts are Illegally reported, in Violation of IRS Publication 4681 ( 2022 ), 15 USC 1681 & Privacy Act of 1974. They must be removed immediately. 

XXXXXXXX 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 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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
On Saturday XX/XX/XXXX at XXXX. I filed two dispute with Chime bank. Dispute # XXXX for {$2500.00} and Dispute # XXXX for {$2500.00}. 

These disputes were filed due to services not received and incorrect billing due to a merchant error. 

I provided several information to Chime to prove that I contacted the merchant several times and they would refused to correct any error made on their part. 

Chime bank has communicated with me within the last week and has made several errors in the investigation process. 
These errors include : -Listing the incorrect dispute amounts -Stating to me that my money would be refunded to me on dates before the investigation was started -Not providing any information to determine how they made their decision. 

Today, XX/XX/XXXX, I received an email stating that no error has occured and that the claim was closed. The email also had incorrection information, for example, the amount disputed was incorrect. 

According to XXXX and XXXX XXXX, Chime is FDIC insured. 

I will be contacting my lawyer today and starting the arbitration process with Chime as soon as possible, as this investigation was not done correct and Chime customer service has made multiple errors in communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 have never did any type of business with this merchant and I have been a victim of identity theft I took the steps that were recommended. And what's strange is i never have received one letter from the merchant I'm requesting immediate removal from credit 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 2024-04-08 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 have never did any type of business with this merchant and I have been a victim of identity theft I took the steps that were recommended. And what's strange is i never have received one letter from the merchant I'm requesting immediate removal from credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Thank you for providing the validation documents for the debt associated with PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX. 

I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: AL

Complaint narrative:
XXXX XXXX Opened XX/XX/year> XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.

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 2024-04-08 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: AL

Complaint narrative:
XXXX XXXX Opened XX/XX/year> XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: AL

Complaint narrative:
XXXX XXXX Opened XX/XX/2020 XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.

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 2024-04-08 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 have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
Northwest Bank mortgage department is wrongfully overbilling my mortgage account. I always paid my account as agreed, {$220.00} since a loan modification was approved last year. My payments were due on the XXXX of the month, and I always paid prior to the XXXX, however Northwest doubled up on payments several months ago alleging that I was always one month late in paying my monthly debt. Although I spoke to and was bounced around by several individuals at Northwest, none of whom could reasonably explain why I'm being overcharged. Instead, I'm told that it was a banking glitch that they are working on resolving it, until finally Northwest is tacking an additional payment onto my account. I am being overcharged a full month, in addition to late fees.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
The company refuses to respond and continues to actuate abuses that can be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

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 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor more than seven years.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

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 explanation
Consumer complaint received 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX XXXX regarding an inaccurate item on my credit report. On XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to the address listed on my credit report for XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, AR XXXX. However, the letter was returned to me as undeliverable. 

Enclosed with this complaint, you will find a copy of the original dispute letter I sent to XXXX  XXXX XXXX, along with the returned mail envelope clearly indicating that the letter was undeliverable. This evidence demonstrates that XXXX  XXXX XXXX has failed to maintain accurate contact information, hindering my ability to dispute the inaccurate item on my credit report. 

I am demanding that XXXX  XXXX XXXX take immediate action to contact the credit reporting agencies and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies and to investigate disputed items. 

Furthermore, I assert that this account is unverifiable due to XXXX  XXXX XXXX 's inability to maintain accurate contact information. It is imperative that XXXX  XXXX XXXX take corrective action to rectify this situation promptly. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX  XXXX XXXX complies with federal regulations regarding accurate reporting of consumer credit 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 2024-04-08 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: AR

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX XXXX regarding an inaccurate item on my credit report. On XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to the address listed on my credit report for XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, AR XXXX. However, the letter was returned to me as undeliverable. 

Enclosed with this complaint, you will find a copy of the original dispute letter I sent to XXXX  XXXX XXXX, along with the returned mail envelope clearly indicating that the letter was undeliverable. This evidence demonstrates that XXXX  XXXX XXXX has failed to maintain accurate contact information, hindering my ability to dispute the inaccurate item on my credit report. 

I am demanding that XXXX  XXXX XXXX take immediate action to contact the credit reporting agencies and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies and to investigate disputed items. 

Furthermore, I assert that this account is unverifiable due to XXXX  XXXX XXXX 's inability to maintain accurate contact information. It is imperative that XXXX  XXXX XXXX take corrective action to rectify this situation promptly. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX  XXXX XXXX complies with federal regulations regarding accurate reporting of consumer credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
During various months of attempting to resolve issues and disputes with this company, payments that were made or attempted to be made were followed by incorrect account information by a customer service agent not inputting the information correctly resulting in payments that were sent back or unlocated accounts. For these reasons, this mortgage company should not have continued to report these accounts 30 days late during various months. I am requesting these XXXX dates late be removed from the credit report, Additionally, this account was paid in full XX/XX/2024.

Company response to consumer: Closed with explanation