vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I received a text message asking if I had made a transaction for {$74.00} at a XXXX in XXXX. I have been receiving fraud text messages from Chime requesting similar information since XX/XX/year>. Just as I had done in the past, I replied no to the text message and was sent a notification saying that chime would call me to dispute the transaction. Prior to this phone call, I had received a new card due to all of the fraudulent activity described above. Because of all the fraudulent activity and the new card, I was under the impression that the problem was a lot bigger and required a phone call with the dispute department. 

Upon receipt of the call, which did come from a chime phone number, I was given the name of my representative as well as asked my verification. Question XXXX like normal. I did not give them any information that isn't normally asked by chime. The scam representative was able to " dispute my charges '' and then let me know that chime would be opening up a new bank account where we would need to transfer the money. When I asked for verification that he was actually a chime representative, he was able to give me my email as well as XXXX addresses where I had lived. He stated that he could not confirm my social security number as he would lose his job, which was understandable. He then had me move the money via pay. Anyone, however, was able to use chime one-time passcodes for the verification. Upon the verification of the passcodes, I was asked to confirm that I received a passcode and The scam representative was able to accurately tell me what verification codes should be. The call was an exact replica of a normal chime phone call down to the hold music and the lingo used in confirming my identity as well as knowledge of the inner workings of the chime app. 

Once the money was moved, I was informed that I would be getting a call back from chime to finish setting up the new bank account and settling the dispute. I immediately called the chime number from the chime website and was then told that my dispute was a fraud. In order to settle the dispute, I submitted pictures of the very first chime fraud alert I received as well as the last, which led to my money being stolen. I've also included a personal statement as to what happened. 

The bank denied my requests for dispute twice because of personal involvement, however I can prove all of the things stated above. I also made a police report on XX/XX/year>.

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

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSXXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 10 years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1600.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$3500.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$5500.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$4500.00} DEPT OF ED Acct # : XXXX Open Date : {$500.00} Amount : XX/XX/XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and 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 2024-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute of Unauthorized Credit Inquiries .

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had an account with XXXX XXXX for a personal loan that closed with an remaining balance. I totaled my XXXX XXXX XXXX XXXX and XXXX XXXX used the pay off of vehicle equity to pay off the remainder of the vehicle and also used the payoff the personal loan unrelated balance. Both said balances were stated to be cleared and XXXX with no negative reporting. I received a credit alert on XX/XX/XXXX stating a significant score drop from XXXX XXXX adding a {$8.00} charge off for the personal loan and reporting the account negative. I reached out to XXXX XXXX on XXXX and spoke wiith XXXX XXXX and reported the issue who stated the account was reported in error. I am asking the account to be removed from my credit report as I am in the process of purchasing a home and the negative item iis causing great impact.

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 2024-11-08 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: Global Lending Services LLC
State: NC

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-11-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, 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 2024-11-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section a credit issuer can not furnish an account without my written directions under 15 USCS 1666b a creditor may not treat a payment on a credit under an open end consumer credit plan as late for any purpose

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 2024-11-08 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX, I discovered discrepancies in the following account : Account Name : XXXX Account Number : XXXX Disputed Information : DATE OPEN, BALANCE OWER, DATE OPENED Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : I will leave proof of the total payment I made into this account in the attached documents, copies of your dispute 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 non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I have filed several valid early verified disputes with my bank currant fin XXXX  most of wich have been wrongly denied example dmv. I tried to pay my registration with my debit card and the transaction was declined why I don't know but I paid with a credit card from different institution and I see a charge for a different amount than what I paid so I contacted dmv they say they can't refund the transaction because ther records don't reflect a charge from that card or amount tell me file claim with bank I do they say no error has occurred they never contacted dmv asked for documents supporting their response nothing from dmv there is a claim I have been waiting 4 years for a desion and they won't issue a provisional credit after 4 years or respond I booked a hotel didn't show up hotel kept the deposit and room fees filed a claim denied someone needs to stop them they are just giving away my money for no reason

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

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Mr. Cooper ( this is the name of the mortgage company ) bought my mortgage from XXXX XXXX. I have authorized my bank to make payments twice monthly so that total amount paid during any month exceeds the amount due. Mr. Cooper acknowledges receipt of these payments but marks them as additional principal and does not apply them toward my monthly payment. As a result, my monthly payments are considered past due until I contact Mr. Cooper to have the payments applied properly. I have received letters from Mr. Cooper threatening to charge me fees or to damage my credit score. The problem is that the loan payments are due on the first of the month, but any payment applied in the previous ( already paid ) month is considered additional principal. Of course, if I wait until after the first, the payment will be late. I have repeatedly contacted Mr. Cooper 's support team by phone and email. In every case, they have assured me that they have fixed this problem. Nonetheless, every month, my payment is past due and I get a threatening letter. As I write this complaint, my loan payment is again past due I am still awaiting a response to my last email which was sent XXXX business days ago. It seems to me that Mr. Cooper is not motivated resolve this issue. In fact, I am concerned that this unreasonable behavior and general lack of responsiveness is a deliberate attempt to exhaust the consumer into providing his banking information so that Mr. Cooper can withdraw the loan payments itself ( along with any fees... ).

Company response to consumer: Closed with explanation