vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Used Zelle as a service with mXXXX XXXX XXXX with the auto accept feature on. Someone zelled me and it was automatically deposited into my account. This person zelled me thinking that my phone number was their grand daughter because the grand daughter had used the number prior to me. Though I have had the number for a few years now so the grandmother or person who sent the zelle should have already known that the other parties number had changed. 

But with the zelle being auto-deposited in and me being unaware, in an effort for the person who sent the payment to get their money back they reported it as fraud. Though it was their own negligence. Zelle then informed my bank without any proper investigation that they had verified that I was a fraudster and had stolen the money. Zelle has all the assets available to them to confirm that the money was not stolen because they could see if the person made a similar transaction after they had reported the fake fraud. Check the device ID of the person, check the ip address of the person, check the location that the person was at with their device when they sent it. But instead zelle without proper due diligence or reaching out to me regarding the transaction. Defamed me to my own bank stating that they had confirmed fraud. Which in turn has now caused substantial injury to me because I have been unable to access my hard earned money, pay any bills, buy gas for transportation and unable to afford the costs of my medication. I additionally have proof that the person sent it in error. 

Attached to this complaint is a message from the party that I had disregarded because it sounded like a scam. But after my bank has frozen my assets and stated that it is because of zelle. I have gone back and begun investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been banking with chime for about 4 years and they have a new feature this year called the my pay advance. So this is suppose let you advance your deposit early before you get paid up to XXXX or XXXX XXXX. So I was approved for XXXX. I never received the funds early. It was when my direct deposit came through then it took XXXX out of my deposit and put it in an advance account where I can withdraw it out for a XXXX XXXX fee. I didnt complain about it because I thought it would be helping my credit in some way. And I was able to withdraw it right back out. After several months of this it increased to XXXX. Same thing. But just last month my deposit came through, it took the XXXX as usual but was never available to withdraw back out. I was out of XXXX that was my money to begin with. It was never a real advancement. I called chime and explained this and they told me no this is there money I said no its mine. I was never given an advance. So I told them if I did not get my money back I would get a lawyer. After getting the XXXX not only was it taken but it decreased the advance amount to XXXX saying my deposit was lesser and didnt qualify for the whole XXXX. I was told I had to wait until my next deposit for the system to correct after I said lawyer. So I waited and yes, the XXXX was taken out but then it was available to withdraw the XXXX. So I did. I called chime and said I want to close this feature because it serves no real advancement service and they said I cant close it with owning an outstanding balance of XXXX XXXX. I said huh this is my money to begin with. So they told me that once paid they can close the feature and XXXX get my money back. I said ok. Next withdraw was XXXX they took from deposit and said it was a fee added for the XXXX and nothing available to withdraw I called and said wheres my money and they said its our money and since its paid back you can now close your feature. I said I want my money and close my account. He told me I can close my account with out and return of funds. That is what they did yesterday. They closed my account and I was not refunded anything back. Chime has never given me a advancement, it was always when I had already gotten paid that they took it from my check and called it an advancement. I am unable to pay my bills and want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 explanation
Consumer complaint received 2024-11-01 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 am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts and inquiry from my report : Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/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 2024-11-01 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:
To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXXXXXX XXXX account # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments to wrong information reporting this is unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2024-11-01 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2024-11-01 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report, which were established without my authorization following a recent data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have these items removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report, which were established without my authorization following a recent data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have these items removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-11-01 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:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am the personal representative of a recently deceased XXXX  citizen who held several US assets, including a Chase savings account. To access that account so that I distribute the funds to the decedent 's beneficiaries I provided Chase with ( i ) two forms of photo identification, ( ii ) a signed copy of the will naming me the decedent 's personal representative, ( iii ) the original XXXX  death certificate, with an apostille on the reverse side, and ( iv ) an English translation of the XXXX  death certificate and apostle, signed and notarized by a US based and certified translator. After much back-and-forth with Chase representatives, who claim to be conferring with the Chase legal team, Chase representatives insist that I need to furnish an apostille affixed to the English translation. Since I used a US based and certified translator, and am submitting the English translation to a US bank ( Chase ), there is no reason to have an apostille on the translation, and getting one comes at significant cost. If I had hired a translator based in another country to produce the English translation, an apostille of the certificate of translation would make sense, but as I said, I used a US translator. Not only will Chase not explain why they need an apostille affixed to the English translation, but they refuse to email me instructions or explanations as to what I do need to provide and will only convey messages via phone. This adds to my administrative burden, plus it makes it harder to explain to the decedent 's family why I will be spending several XXXX dollars on an additional translation, notarization, and apostille. Having a written account that Chase is requiring this extra translation and apostille is especially important as several of the decedent 's beneficiaries are familiar with the basics of international law and understand that there is no rational basis for requiring an apostille on a US issued translation. I do not want the decedent 's family to think I am being wasteful with their inheritance. More importantly, I do not want to waste their inheritance on unnecessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Company refuses to close my account over the phone. I assume this is in retaliation to previous complaint. Company permitted me to open my account online, performed bait and switch promotion scheme, now refuses to close my account. They claim that I am required to go in branch to close account. I can not find record of my agreeing to those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I am writing regarding the debt True accord collections agency claims I owe, referenced by account number [ # XXXX ] in the amount of {$310.00}. I am formally disputing the validity of this debt under my rights granted by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. 

Under this statute, I request that you provide written verification of the debt, including : 1. A detailed breakdown of the debt amount, including any fees and interest charges.

2. The name of the original creditor, along with any supporting documentation that verifies my obligation to pay.

3. Proof that your agency is legally authorized to collect on this debt. 4. Chain of assignments AL
SO, As outlined in 15 U.S.C. 1692g, I am exercising my right to request : 1. Written verification of the debt, including a complete breakdown of the debt amount, any fees, and interest charges.

2. The name of the original creditor, along with any supporting documentation verifying my obligation to pay.

3. Proof that your agency is legally authorized to collect on this debt.

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request prompt notification of the results of your investigation if you intend to report or have reported this debt to any credit reporting agency. Until you provide this information and debt is verified, please cease and delete all collection activities related to this account. This includes stopping any communication attempts with me regarding this debt, as well as any further reporting to credit bureaus. 

Please respond within 30 days of receiving this letter to ensure compliance with the FDCPA. I will retain a copy of this letter and your response for my records. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: IL

Complaint narrative:
I am writing to notify you that I am a victim of identity theft due to a recent data breach that compromised my personal information. As a result, fraudulent accounts and unauthorized credit inquiries have been added to my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my report. 
XXXX Accounts : XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$680.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$740.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$41000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$20000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXX XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$4400.00} Fraudulent Credit Inquiries : XXXX XXXX - Date : XX/XX/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 XXXXXX/XX/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