vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : 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  XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are billing errors in my credit report showing late payments inconsistent with my history. I request immediate correction and an account update.

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 2024-10-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Subject : Complaint Regarding Charge-Off on Loan for XXXX  XXXX Outlander To Whom It May Concern : I am writing to formally request the XXXX assistance regarding a charge-off reported on my account for a XXXX  XXXX XXXX. The charge-off, reported on has negatively impacted my credit report and financial well-being. Despite attempts to resolve this matter with the lender, I believe this charge-off may not be accurately reported or may not reflect my efforts to make good faith payments. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate or misleading information on my credit report. Additionally, if a third-party debt collector is involved, I am entitled to fair treatment under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that the lenders handling of this charge-off may not be in compliance with these regulations and may reflect inaccuracies that harm my financial reputation.

Therefore, I respectfully request that the CFPB review this matter and, if appropriate, seek the deletion of the charge-off from my credit report to reflect a more accurate credit history. Alternatively, I ask for any corrective action necessary to ensure that the lenders reporting practices align with FCRA guidelines. 

Please feel free to contact me for any additional information or documentation needed to proceed with this complaint. Thank you very much for your attention to this matter and for your attention and for helping consumers like myself recieve fair and accurate credit reporting. 

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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> I went to XXXX and logged into the public wifi. 
Then I logged into Chime Mobile Bank app to see my funds and to pay for my meal I pay for my meal and continue to surf the Internet The next day XX/XX/year> I log into Chime Mobile Banking app and noticed that {$870.00} was missing from my account I went through my account and noticed a stranger Hacked my account over public wifi and sent himself {$870.00} of my money unauthorized. 

I immediately got on the phone with chime customer service to dispute the transaction On XX/XX/year> Chime denied my dispute even though I'm a victim of fraud and didn't authorize the transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NV

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my XXXX and TransUnion Credit report immediately : XXXX. XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-10-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

SYNCB/TJX CO 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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
On XX/XX/XXXX, I noticed that I had multiple unauthorized transactions from XXXX totaling to {$2100.00} from XX/XX/XXXX. Apparently someone unbeknownst to me got ahold of my login information and got access to my account which had my debit card information stored on it. Once I noticed these transactions, I immediately cancelled the compromised debit card, emailed XXXX, and went to my local TD Bank. After waiting for the transactions to leave the pending stage, I went back to my local branch and they filed a claim on my behalf, the next day I heard back from the merchant who said the charges were unauthorized, but couldnt refund my money due to me cancelling the card, and I received a provisional credit from TD Bank for the aforementioned amount while their claims department looked over my case. The provisional credit went into my account on XX/XX/XXXX and I was told by the teller at TD Bank that I should have no problems getting my money back. Today, XX/XX/XXXX, I received multiple pieces of mail stating that the claims department found that I authorized the transactions, and will be taking back the provisional credit on XX/XX/XXXX. I have attached screenshots from the merchant saying that the charges were fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-30 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: NJ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime banking promised a dispute credit within 10 business days now they lied saying 20 business days and their dispute process is very shady and not fully honest about their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: Experian Information Solutions Inc.
State: TX

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 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 2024-10-30 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: VA

Complaint narrative:
FTC IDENTITY THEFT Report XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, theExperian Consumer Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account established at XXXX XXXX XXXX  on XXXX under account number XXXX, auto loan account account opened at XXXX XXXX XXXX on XXXX under account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 

The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identify theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: FCI Lender Services Inc.
State: GA

Complaint narrative:
I am writing to request correction of the error described below regarding the land loan on my property at XXXX XXXX XXXX XXXX, NC XXXX. Per FCI Lending Services records, no payments were received in XX/XX/year> or XX/XX/year>. This is incorrect. The XX/XX/year> payment was sent out XX/XX/year> via online bill payment with an expected delivery date from XXXX. The XX/XX/year> online payment was sent out in XX/XX/year> with an expected delivery date of XXXX. After receiving late notices for these payments, I contacted my back who communicated that the checks were sent, however have not been cashed. I provided bank copies showing where these payments had been sent, but not cashed by FCI lending Services. As the checks were later cashed and cleared, I was charged late fees for those months. 

The payment for XX/XX/scrub>XXXX XXXX  was sent out with a delivery date of XXXX in the amount of {$540.00}. The payment for XX/XX/year> in the of {$540.00} was sent out with an expected delivery date of XXXX. There was an initial late fee charged of {$66.00} in XX/XX/year> charged to my account that was later waived. Recently, the XX/XX/year> payment was sent out with an expected delivery date of XXXX 

As I received my mailed billing statements, I continue to see that for the months of XXXX and XX/XX/year>, there are late fees charged in the amount of {$35.00} for both months. 
The XX/XX/year> statement currently shows that : XXXX  Late Fee : {$35.00} XXXX Late Fee : {$35.00} XXXX  Partial Payment Received ( Even though I paid the full amount ) XXXX Late Fee : {$35.00} XXXX  Late Fee : {$35.00} XXXX Late Fee : {$35.00} XXXX Late Fee : {$35.00} I recently received a billing statement claiming that I now owe {$2400.00} as of XXXX. Communicating with FCI has been a nightmare and they are not willing to correct their issue if was on their end. It looks to me as if FCI blames the consumer for any and all errors and is not very helpful in resolving matters.

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 2024-10-30 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: TX

Complaint narrative:
I've recently checked, my credit report and noticed inaccurate unauthorize Inquires. This Agency is violating my Consumers rights by false misleading information, misrepresentation, and deceptive means. I've made serval previous attempts to fix these issues directly with them and there violating my rights and I am entitled to {$1000.00} for every violations I listed, they either pay me or delete these negative accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Reporting of inaccurate information on credit file. Ask multiple times for validity of debt but never received requested information. Company also reports negatively on credit file with no legitimate authority to do so. This is my formal complaint to company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MD

Complaint narrative:
I shopped online a XXXX I made XXXX purchases of XXXX and XXXX on XXXX/XXXX/XXXX  On XXXX I noticed this company XXXX was taking money from my accounts XXXX and XXXX I instantly disputed those charges claim number XXXX these were the only XXXX charges at disputed. when I contacted you guys, Netspend was not giving me my dispute money back. Also, I started returning items that I received on XX/XX/XXXX. Netspend gave me my dispute and took back my return item money then they took back the dispute for {$43.00} on XX/XX/XXXX and {$6.00} on XX/XX/XXXX this was the money I received from returning items to this company that I did not like and today they have still messed my account up. They will not allow me to use my overdraft but they let XXXX deduct {$2.00} from my account and charge me a {$20.00} overdraft today. I am on hold Customer service is very rude. so thats why Im on here now to find out who is gon na help me fix my account.

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 2024-10-30 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be removed from my credit report : Unauthorized Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}

Company response to consumer: Closed with non-monetary relief