vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continuous reporting of a fraudulent account on my credit report by your bureau, despite XXXX 's compliance in removing it and validation of identity theft. This persistent reporting violates the Fair Credit Reporting Act. 
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 2024-03-01 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

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 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
My account holder XXXX had pulled me into an office away from the public and began to ask me very jarring and invasive questions about my personal life and relationship with my daughters mother. XXXX ) XXXX began using the words XXXX, XXXX. 
XXXX ) XXXX began interrogating me about my relationship with the mother of my daughter. Asking if we were married or lived together. He kept me in the room until I decided I couldnt say no and filled out the paperwork. Made me feel very coerced and uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DEAR SIR I HAVE BEEN ASKED BY DEPT OF JUSTICE, US ATTORNEYS OFFICE TO WRITE TO YOUR OFFICE. 
EXPERIAN HAS BEEN CONTINUOUSLY REPORTING INACCURATE LATE PAYMENTS, AND DEDUCTING EACH MONTH XXXX POINTS FROM MY CREDIT SCORE FROM LAST YEAR XX/XX/XXXX. 
JUST TODAY XX/XX/XXXX, I WAS ALERTED THAT EXPERIAN DEDUCTED ANOTHER XXXX POINTS FOR UNEXPLAINED REASONS. 
XXXX XXXX XXXX  HAS BEEN PAID, FOR THE ANY PAST DUE. THERE IS NO PAYMENTS DUE AS OF DATE, BUT EXPERIAN HAS REPORTED LATE AGAIN JUST TODAY. 
THIS IS TOTALLY WRONG AND FRAUD, SCAM FROM EXPERIAN I WOULD LIKE YOUR OFFICE TO PLS ASSIST ME IN THIS MATTER

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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
I have been following up with Freedom Mortgage since XX/XX/2023 regarding a nearly {$4000.00} overcharge on my account. Although company representatives admitted to the discrepancy, they repeatedly said someone will reach out to me ) it has been nearly 3 months & no one has followed up or fixed the overcharge. I have a detailed list of emails citing the problem & request for help. Freedom Mortgage has been ignoring my requests for help with this issue for over a month, while continuing to withhold my information & overcharging me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: IL

Complaint narrative:
Called today and received threatening notice that they wont take my payment I tried to make two payments was denied and told they will not take any payments towards my mortgage! Unless they get the full payment. I was making two payments for two months and they told me no I need to make next month payment or we not excepting anything. This is a violation against FHA rules. I know my facts I know my rights I am able to make a payment and they will not allow me to make a payment towards my mortgage telling me that I need to make three months of payments. I am not three months behind. I was making two months payments, and they will not accept my payments and told me that no theyre not accepting my money when I make the payments this is not fair this is not honest this company XXXX XXXX XXXX XXXXXXXX  and I dont understand how a mortgage company can not accept payment when you are making and trying to come current on your mortgage, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Consumer Financial Protection Bureau, I am writing to bring light to several grave concerns regarding serious legal and ethical violations by Chime Financial Inc. 

In case XXXX, rebuttal XXXX, Chime has acted in blatant disregard for consumer protection laws, their own contractual terms and conditions, and basic standards of fairness and truthfulness. 

Specifically : - They have exceeded the legally mandated 90 day limit to investigate and resolve consumer disputes, dragging this case out for over 6 months. 

- Chime Robots/Programs tampered with and illegally manipulated critical evidence I provided, and then making certain the tampered document attributed to the merchant 's ( XXXX ) XXXX in order to rule against me. This is a clear breach of contract, act of deception and a direct disqualification to the dispute automatically making me the winner of rebuttal XXXX in XX/XX/XXXX. 

- After admitting in writing that I had won the dispute in XX/XX/XXXX and was owed {$1900.00} in refunds, these funds were never disbursed to me. 

- Chime claimed because they do not own the technology behind the XXXXXXXX  from XXXX XXXX XXXX any selfie images taken from the XXXX is unable to be verified by their robots/programs, therefore, they will reject any evidence such as selfies that showcased the customer 's direct location when both unauthorized transactions took place. On XX/XX/XXXX, Chime closed the dispute and chose the merchant as the winner because Chime couldn't verify selfie images from my XXXX, using this as justification to once again rule against me, despite having already stated I won the dispute. 

- A Chime Manager, XXXX XXXX, has been implicated in overseeing many of these ethically bankrupt practices, focused on denying my legitimate dispute at all costs, causing me emotional and financial distress. XXXX XXXX, denied more than five of my dispute rebuttal and rather than finding a solution to my issues by responding politely to my emails, phone calls, she had her colleague ignore my issues and threatened me with police involvement when I inquired about the delayed resolution and missing XX/XX/XXXX credit. 

Chime 's actions represent outrageous violations of consumer legal protections, contractual obligations, and any basic sense of fairness or honesty. I have suffered great emotional and financial distress due to their unethical practices. I urgently ask the CFPB to launch an investigation into Chime and hold them fully accountable for these inexcusable actions. The {$1900.00} I am rightfully owed must be refunded to my checking account immediately by Chime. 

Please protect consumers and uphold justice. Please help me fight against this company cruel tactics and ensure they can not continue taking advantage of others. I desperately need your help as I am out of options myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
Mariner Finance indicated that I have a joint account with someone that I co-signed for to get a loan. The account was opened on XX/XX/XXXX. I have never opened an account nor co-signed for anyone to give them authorization to use my information to secure a loan. This account is fraudulent. The account # is XXXX. 

The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX indicated that I opened an account with them on XX/XX/XXXX. This account was opened fraudulently in my name. I have never applied for a XXXX XXXX  credit card in my life. The account # is XXXX. 

I am unaware of this debt ; I did not have the opportunity to dispute this debt. Please provide a copy of my signature indicating that I authorized my credit to be ran to apply for the XXXX XXXX  credit card and the mariner finance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a 90 late on my 8 student loan. I was never late on these accounts they have been in deferment for years. I asked XXXX and Transunion to show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on these accounts and they could not supply any documentation to support these inaccuracies so I asked them to please delete these alleged late payments from my credit report based of the law ( Per U S 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan ). They havent delete them as of today which is the reason for my complaint.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a business credit card with XXXX, I have been a card holder since XXXX. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.

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 2024-03-01 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: GA

Complaint narrative:
I have been a victim of identity theft and the bureau are not doing any type of investigation ... .they just validate with no proof and none of these accounts belongs to me and my person information should only one name and one address, no former other names and addresses at all ... .I need for this to be fix asap.

These are the accounts that I'm disputing : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: PA

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 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 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
Amount is incorrect. Rental company has changed and payment records are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am deeply concerned by your continued disregard for my requests to rectify inaccuracies in my credit profile, which violates the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts, including this final request, you have failed to take action. Under the FCRA, you are obligated to investigate and correct inaccurate information promptly. Your persistent non-compliance leaves me no choice but to pursue legal action if this matter is not resolved immediately. 
XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-03-01 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: Grow Credit Inc
State: PA

Complaint narrative:
Grow Credit , Inc. has violated numerous consumer privacy rights, causing damage of reputation in the business community, and actual damage denied extensions of credit from multiple lending institutions. Dodd frank act, graham leach biley act, family act, facta act, 1974 privacy act, whereas giving no rise to a cause of action, all are instrumental in emphasizing, consumers right to privacy in their personal business transactions. Violations of the fcra, including but not limited to 15 UScode1681 ( 3 ), agencies have no authority, in law, and have a assumed a position of authority, in consumers personal affairs. 15 usc 1681 ( 2 ) ( A ), 15 US code 1681b ( a ) ( 2 ),, agencies can not furnish an account without my written instructions. 15 us code 1681n, civil liability for willful non-compliance, 15 us code 6802 Lender actions have led to defamation of character, violation of due process laws/trespass, emotional distress, and discriminatory denial of credit in violation, of the Equal opportunities credit act. Any and all reporting without my verification/validation, is thus hearsay, reporting of such tradelines, as if accurate, with no such evidence of, major violation of this states False claims act. Reporting/furnishing to agency of no authority, and without my written consent is thus ulta-vires, criminal, RICO crimes, / aggravated identity theft, seeking unjust enrichment. I have attempted to remedy, said violations, written and verbal, no relief granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC
State: SD

Complaint narrative:
I had a complaint before. I was told by the state attorney the debt collectors don't have to collect consecutively. Which I believe is unfair. That just gives them all the right to collect interest. I paid the debt after told this. But I paid double. Since they took XXXX  years to collect. Instead of just being happy taking it out of my check XXXX  years ago. I'm just ranting I work hard for my money. Yet we let companies XXXX over people, because their isn't a law to stop. Who makes laws that can stop this? 

XXXX XXXX

Company response to consumer: Closed with explanation