vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/year>, my phone number was stolen which allowed the adversary to perform an account recovery to my Huntington bank online account. They used my stolen phone number as a verification method. The adversary then only a XXXX XXXX  account using my checking account number and transfered close to {$3000.00} to the XXXX XXXX account. I have closed my existing savings and checking accounts at Huntington and reopened a new saving and checkings account. Shortly after noticing these fraudulent charges I contacted the Huntington bank support line and filed a dispute case. On XX/XX/XXXX, I received a letter from Huntington saying those charges were verified and authorized using my stolen phone number. I went to a local branch to discuss this and the clerk was only able to reopen my dispute case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 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:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and Equifax, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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 a victim of identity theft. I have my FTC report number # XXXX. This company, XXXX XXXX XXXX, reported an account on my credit file that does NOT belong to me and I have tried to resolve the problem with them and they have not responded. attach proof of my report with FTC

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 2024-08-21 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX 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 of 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 explanation
Consumer complaint received 2024-08-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime advertisement says you can be spotted up to {$200.00} in XXXX minutes when in fact that is a lie. When I asked about it. They acted as if they didnt know what I was talking about. I took a screenshot of the advertisement and then they had an explanation that didnt make sense. It still didnt explain why the money didnt come within XXXX minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was told by a representative at the bank that I would receive paperwork in the mail related to the fraudulent application. Additionally, JP Morgan Chase Bank did update my credit report, but they put an update status of " account paid '' which has nothing to do with inquiry. I need the inquiries that were made to my credit profiles removed. From JP Morgan 's response to the credit reporting agencies it appears they miscommunicated and communicated that an account had been paid in full rather than asking them to remove inquiries. I can supply pictures of this if needed. 

These inquiries were made from a fraudulent application that was submitted on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: VA

Complaint narrative:
These inquiries were unauthorized on XXXX, XXXX, and Transunion and im a victim of Identiy Theft. 

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 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 explanation
Consumer complaint received 2024-08-21 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: VA

Complaint narrative:
These inquiries were unauthorized on XXXX, Equifax, and XXXX and im a victim of Identiy Theft. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was reached by individuals, acting on the behalf of and/or through the XXXX XXXX. he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform www.btcpro.one, does not have a license to trade regulated financial products such as they advertise on their sites. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, I assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with www.btcpro.one. After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX, -- ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). All payments were initiated through my account with Bank of America , N.A . The bank never warned me about the potential risks associated with those payments. My legal representatives from XXXX XXXX XXXX sent them a letter of demand, claiming compensation on my behalf. As of the date of this complaint, Bank of America , N.A . has not responded to my justified request.

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 2024-08-21 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX, is Removed and deleted off my XXXX credit report but still reporting on my Equifax report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
My name is XXXX XXXX, XXXX XX/XX/XXXX last XXXX SS # XXXX. My discover account went past due in XXXX as my husband past away from XXXX ; he was the primary source of income. Followed by him, my daughter past away from XXXX. 
XXXX agreed to settle my account at 60 % of the balance which was around {$3400.00}. I called into XXXX to make my payment in XXXX of XXXX and was told no more payments were needed and the account was settled. 
FDCPA Violation I head nothing from XXXX since XX/XX/XXXX when they took my last payment and said my account was setteleted in full. In XX/XX/XXXX I receive a letter from the Law Firm XXXX, XXXX XXXX XXXX who re acting as the collection agency for the debt. They sent me no Notice of debt to validate as required by XXXX. 
XXXX is stating I owe over {$6600.00}!!!!!! I called XXXX XXXX times asking for proof of my settlement agreement and all payments made. Furthermore, I asked for proof of what the account balance was in XX/XX/XXXX based on the terms of the Settlement agreement! XXXX REFUSED TO GIVE ME ANY OF THIS INFRMATION!!! Rather they transferred my call to the law firm XXXX the collection agency. 
The week of XX/XX/XXXX, I received a packet of random billing statements from XXXX. This is not what I asked for. I specifically asked for the settlement agreement and what the supposed balance was as of XX/XX/XXXX when I was told the account was settled. 
Additionally, I received a letter from stating my claim was deemed Invalid ; Also wrong!!! Now this Law Firm is operating under Unfair, Abusive, Deceptive, Acts and Practices ( UDAAP )! 
To recap XXXX either wrongfully told me my account was settled and it was not ; if that is the case, there would had been a vey small balance ( if any ). 
OR The account was settled and was wrongfully charged off and XXXX, XXXX XXXX XXXX is in violation of XXXX and FDCPA XXXX Notice for validation of debts. 

Good morning, XXXX! I hope your day is going well! I have applied for your open position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; I would like to inquire if you would consider a remote employee before having my first round with the recruiter. 
I Specifically asked XXXX, XXXX XXXX XXXX, if there was an error on part of XXXX telling me the account was settled and it was not, let me pick u an pay whatever balance there was per the terms of the settlement agreement on in XXXX XXXX. 

I am a single mother of XXXX boys who has over come the XXXX OF THE WORST THROUGH COVID! I LOST MY HUSBAND TO XXXX!!! They are threatening to garnish my wage! 
I told them I am in the process of buying a hoe for my boys and I! I will lose them, MY JOB and everything if my wages are garnished!! 
XXXX AND XXXX, XXXX XXXX XXXX ARE CLEAR CUT EXAMPLES OF OPPERTAING IN A UDAPP FASHION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-21 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My husband opened an IRA account with Ally Bank several years ago with {$500.00}. My husband passed away in XXXX. In XXXX I requested to have the money from that account given to me. They required paperwork to be filled out. i filled out their paperwork with their help over the phone. After filling out the paperwork and mailing them the death certificate they denied me the money. They said I didnt fill out the paperwork right. So I had to ask for help from my own financial advisor. I filled out the paperwork again. Then had to have a guarantor stamp. I submitted those papers and then they said they never received the death certificate. So I sent that again for the third time. After all of that I was then emailed and said they are denying my request because the paperwork I submitted was old paperwork and they now have new paperwork. How do they miraculously have new paperwork when they sent me what I submitted. So I filled out new paperwork again. i was denied again because they said it didnt suffice and they now have more new paperwork. When they emailed me, there was no new paperwork attached. then when they did send the third set of new paperwork I couldnt print it out because after opening it it was just one giant ALLY logo. As a widow who has been dealing with deep loss, this companies policys are very bad. It is also as if they dont want to give me my husbands money that is rightfully mine. All of this for {$500.00}. I should get some kind of restitution of another {$500.00} for the heartache they have caused trying to get these funds. Its a shame banks dont pay interest to their clients when they mess up. Absolutely ridiculous.

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 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
This is continuation of previous complaint ID XXXX SUBMITTED ON XX/XX/2024. XXXX XXXXXXXX ( part of Fiserv ) is holding funds over 90 days and not releasing funds. It has been more than 100 days since last processed transactions and over 90 days since the account was closed. Numerous attempts via customer service calls were made to release funds. XXXX  XXXX representatives are not calling back or respond to our numerous requests. $ XXXX in funds are being held without any reason. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Opportunity Financial, LLC
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. Opportunity financial is Removed and deleted off XXXX  but still reporting on XXXX. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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