vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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:
Not sure why this account is still being shown on my report. XXXX already removed the tradeline from the report as this fraudulently opened. XXXX has already removed the tradeline but for some reason, Equifax and XXXX keep saying the information is accurate?? Please have these removed immediately as it is impacting my credit worthiness and future purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
Interest rate too high and payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am a college student who decided to use Chime for banking but they held my account hostage and held onto my money even though I have provided them with a government issued ID as they requested. They claim there is a security breach even though they have no evidence. They sent me a link to upload my ID. Upon completing that, they sent me several seemingly generic messages stating that they didnt receive my ID. 

There are many reports of this companys fraudulent activities and I believe they are scamming consumers during tax season. I am requesting that my account be reinstated and compensation for the stress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America did a hard pull on my credit report on XX/XX/XXXX  without my permission.the pull was advertised as a soft pull but did a hard pull and did not result in an credit account I would like this removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
wrong address on my credit report i can not removed it because i would have to call conn appliances inc to remove it I never lived at this address XXXX XXXX XXXXXXXX XXXX XXXX texas XXXX can i sued them for doing this to me and the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/27 someone logged into my cashapp account on a new device. I got the e-mail and instantly clicked that it wasn't me. A {$3600.00} payment went through that I did not authorize and tried to stop. XXXX wouldn't help me, I did a claim with Wells Fargo and it took over 3 months for them to finally say they declined the claim. I didn't approve this and this is a large sum of money I am owed. I provided them proof and they still ignored me and sided with XXXX. Wells Fargo and cashapp have been very rude and not helpful at all. Please help me. I've had Wells Fargo for 14 years now and they're the biggest mistake I've made, I will be switching accounts after this is resolved.

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo froze my paychecks from my company account twice ( XX/XX/XXXX and XX/XX/XXXX ). The second time they either notify me about that. They said the company who issued the check had not enough money to pay for, however it was a big lier since I got the movement account and they had enough money to pay. Those movements were showed to a banker/representative. The second time ( XX/XX/XXXX ), I had my money on Saturday XX/XX/XXXX and it suddenly disappeared on XX/XX/XXXX. I showed the movements to the banker again and got my funds however they told me that they will not pay for any compensation for damage as I was informed after reading this articule https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX # XXXX I beg you to solve this matter. 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 explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX  Balance {$2200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Someone or group keep erase my email forwarding call ..they made attempts on my life.. I'm XXXX haven't received a dime on trust fund ..I filed fraud the government seized it refunded back now some group is doing to the same .the won't let mr on social media because there my portals..need help back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to bring to your attention a pressing matter concerning the closure of my checking, savings, and credit card accounts by Chime, a financial institution I have been banking with for some time. The sequence of events that transpired, as well as the questionable actions taken by Chime, have left me deeply concerned and in dire financial circumstances. 

To provide a comprehensive overview of the situation, I will outline the events in chronological order. First, my checking account was closed without any prior explanation. Chime explicitly mentioned that they would seize the funds in my account, disregarding any attempt to clarify the reasons behind this action. At the time of closure, my checking account contained a total of {$10000.00}, which included an amount of {$5500.00} that had been deposited prematurely from my IRS tax refund. According to the IRS tax refund tracking information, this amount was not scheduled for transfer until XX/XX/XXXX. Thus, Chime not only illegally held onto these funds but also waited until a check of {$3400.00} cleared on XX/XX/XXXX before closing my account. It is worth noting that, perplexingly, the closure email I received was backdated to XX/XX/XXXX, despite having full access to my account throughout that entire day. 

In an attempt to understand the motives behind the account closure, I must highlight that I had recently filed a dispute regarding fraudulent charges amounting to over {$2000.00} on XXXX XXXX, which Chime had denied just a week prior. The alarming coincidence of the account closure aligning precisely with the date a significant check was due to clear raises suspicions of foul play. Moreover, as Chime is my sole banking institution at present, this abrupt closure has left me completely deprived of any means to support myself financially. 

Given these circumstances, I kindly request your immediate intervention in this matter. I implore the Consumer Financial Protection Bureau to investigate the actions of Chime regarding the closure of my accounts, the illegal seizure of funds, and the potential retaliatory motives for their actions. It is crucial to determine whether Chime has violated any consumer protection regulations or engaged in any unfair practices that may have led to this distressing situation. 

I genuinely appreciate your attention to this urgent complaint and your commitment to safeguarding consumer rights. I eagerly anticipate a swift resolution to rectify the financial hardships imposed upon me by Chime 's actions. Should you require any further information or clarifications, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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:
I have been a victim of identity theft my name was used to open a fraudulent bank loan. This loan is from XXXX XXXX XXXX which took place XX/XX/XXXX. The account number is XXXX. I have took legal action on this account and as of XX/XX/XXXX a judge has vacated this account. Im attaching my license & I will be attaching the Certificate of Deposition Of Judgement to this down below.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: SC

Complaint narrative:
Accounts in collections from original creditors XXXX now reporting from Enhanced Creditors Company. It has an open balance of {$350.00} and is reporting to XXXX. I have tried numerous attempts to remove. I have contacted original creditors XXXX, but nothing has been done about this. This account does not belong to me. I've explained on several occasions that this account does not belong to me and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Disingenuous is how I describe the respone that Experian made to my cfpb complaint filed on XXXX XXXX XXXX  - Experian blatantly states According to our records, the disputed information does not appear on your Experian credit report. 
In my complaint # XXXX I listed the following accounts stating I wanted these accounts removed due to : 15 U.S.C. 1681 Section 604 states I have a right to privacy 15 U.S.C. 1681 Section 604 states a consumer reporting agency can not furnish an account without my written instructions. 

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 

I am sending attachment showing that as of XX/XX/XXXX these accounts remain on my credit report in spite of Experians DISINGENOUS reply. I want these tradelines removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
On Saturday, XX/XX/2023, I received a message from someone called XXXX XXXX. She indicated she was interested in purchasing a sofa that I had placed on XXXX XXXX. After some discussion, I agreed to sell it to her. She asked if we could use Zelle and I said okay. She tried to send me {$100.00} via Zelle and sent me a screenshot showing this. I then received a message via text from " XXXX '' indicating that the buyer needed to send {$300.00} in order to " upgrade to a business account ''. XXXX said she could do this and sent me a screenshot showing me this. Then she sent me info " to refund her ''. So I did. Then I received a message from Zelle indicating that I needed to pay for a refundable certificate fee of {$500.00}. I have screen shots of all of these messages when/if you would like to see them- including the whole conversation with " XXXX ''. I ended up paying the {$300.00} and the {$500.00} before XXXX  and realizing I was being scammed. The names on the Zelle accounts where I sent money were XXXX XXXX and XXXX XXXX. I have reported both transactions to Zelle. I am in the process of disputing the transactions through XXXX XXXX. I plan to also file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE

Complaint narrative:
Received a collection notice at my work address XX/XX/23 for dept not associated with me. Tried twice to contact the company and I provided them with the notice ID from the collection notice. They would not proceed without me giving them my personal details and this is not my debt so I was not comfortable with giving them my personal details. I attempted to verify that my day of birth was # # in order to know they likely had my info and they would not proceed then needed all my details.

Company response to consumer: Closed with explanation