vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Good evening, I was inquiring with your department regarding a problem I have. I contacted a local renter on craigslist for a rental property. His name is XXXX XXXX. I forwarded his {$1300.00} amount for property located XXXX XXXX XXXX, XXXX, TX XXXX. That is the address he gave me. Now I have Chime account and I sent him {$1300.00} in american dollars for rent and deposit. I was scheduled for a walk thru and to move in for XXXX of XX/XX/year>. I called and left voicemails for the landlord. No answer or call back. I would like to press charges and retrieve my funds. I called my bank which was no help. They are not willing to assist me. I did my research regarding this matter due to the fact that I have signed an arbitrary agreement, he did say the funds were refundable. I have a text message proving he said it was returnable. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - His Chime name : XXXX XXXXXXXX His address that I was suppose to rent the property : XXXX XXXX XXXX, XXXX, TX XXXX His phone number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I XXXX XXXX XXXX XXXX contacted XXXX Police department fraud as well. 
There is a law in Texas that protects renters from these situations. incident Section XXXX Section XXXX allows the tenant to sue the landlord to recover three times the portion of the deposit wrongfully withheld plus other fees. When less than {$20000.00} is involved, the tenant can sue by going to the local justice of the XXXX XXXX ( justice court ). These suits often do not involve attorneys. 
Remedies for XXXX XXXX Deductions -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - What kinds of transactions can I dispute? 
You can dispute most transaction types in your Chime app. However, Chime doesnt accept disputes for certain transaction types, including those related to certain Chime features. These include : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Bill payments you make with Chime Checkbook.

Paper checks you mail from your Chime app.

Save When I Get Paid or round-up transfers into your Savings Account.

Money transfers between different Chime accounts that are in your name.

Adjustments that Chime makes to your account balance resulting from disputes with external banks ( e.g., a chargeback payment ). 
Wage garnishments and levies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX I opened a Cashback Checking Account with Axos Bank using promo code XXXX. 

The promotion terms state that a customer must fund the account within 30 days and direct deposit at least {$1000.00} per month. After each {$1000.00} direct deposit, Axos Bank is supposed to credit the account with a {$100.00} bonus within 10 business days. The direct deposit and {$100.00} bonus is repeatable up to 3 times, for a maximum bonus of {$300.00}. Axos Bank is aware of these terms and even communicated them to me in writing on XX/XX/XXXX. That written communication is attached. 

I have satisfied all of the terms. The second and third screenshots in the attachment demonstrate that the account was funded within 30 days and that XXXXree direct deposits in excess of {$1000.00} were completed. Additionally, the communication from the Axos representative ( first screenshot ) shows that Axos has a record of the promo code XXXX being associated with my account. 

Axos Bank has not paid the promotional bonus and has therefore violated the terms of their own promotion. I have reached out to Axos on several occasions to try to resolve this matter with no succsss. They are no longer responding to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: PA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX and Select Portfolio have colluded and are trying to foreclose on our property on XX/XX/XXXX stating that we owe {$840000.00} which we dispute. We reached out to SPS, an agent for XXXX XXXX XXXX ( the foreclosers ) for help with paying our mortgage payments back in XXXX and we were directed to go on the website for California Mortgage relief and seek help which we did. The CA mortgage relief organization reached out to SPS and requested for the amount that were past due in order to keep us in our home. SPS gave them a figure which the CA mortgage relief organization paid, almost {$35000.00} which was acknowledged by SPS. ( See attached Exhibits ). 
SPS, instead of continuing us on the regular monthly payment of {$2400.00}, increased our monthly payment to almost {$6000.00} in an effort to foreclose on our property knowing that we could not pay the {$6000.00} We were not able to pay it and now they have referred our home for foreclosure sale on XX/XX/XXXX. SPS and XXXXXXXX XXXX XXXX have operated in bad faith and have not dealt with us fairly. We believe that it is fraudulent to let the state pay all that money and then turn around to foreclose on the property. The CA mortgage relief is a program to help people get caught up with their mortgage payments and to help them retain their home. Instead, SPS and XXXX XXXX have used it to siphon out {$35000.00} from the state and have refused to place the arrears at the end of the loan in an effort to keep us out of our home. 
This foreclosure sale is illegal, invalid and procured by fraud. All we are asking is for us to continue making the {$2400.00} monthly payments starting from XX/XX/XXXX and for the arrears to be added to the back of the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
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 2024-06-19 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: TX

Complaint narrative:
I am writing to formally request the correction of an inaccurately reported late open account on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous three attempts to resolve this matter, this account continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of this account and correct the information immediately. I request that you provide me with written confirmation of the correction within 30 days of receiving this letter. Kindly help me correct this account for no more late payment : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7200.00}.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by XXXX XXXX. The Honda Dealership of XXXX, FL, informed XXXX XXXX that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only XXXX hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from XXXX XXXX without my consent and before any formal paperwork was completed. Within those XXXX hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the Honda vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 

Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of XXXX XXXX. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from XXXX XXXX. My legal representative, Preferred Legal, subsequently contacted XXXX XXXX to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXX XXXX, at The Honda Dealership on XX/XX/XXXX. Remarkably, the vehicle had been at the dealership since XXXX, a XXXX salesman, returned it in XXXX, on my behalf, after a Honda salesman I had previously interacted with was unprofessional in our dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NY

Complaint narrative:
I have review a copy of my credit report and i have found fraudulent inquiries and collections on my report. Please remove this fraudulent INQUIRIES AND COLLECCTIONS from my credit report. They are hurting 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 2024-06-19 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: NY

Complaint narrative:
I have review a copy of my credit report and i have found fraudulent inquiries and collections on my report. Please remove this fraudulent INQUIRIES AND COLLECCTIONS from my credit report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
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 2024-06-19 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: NV

Complaint narrative:
In accordance with the Fair Reporting Credit Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed not to 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 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