vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX i noticed transactions i didn't make or authorize made to a XXXX XXXX XX/XX/XXXX and XX/XX/XXXX so I called chime on XX/XX/XXXX to dispute the transactions and requested a new card.i was told my the chime support person that it takes 10 days to investigate and could take up to 45 days. 3 days later on XX/XX/XXXX I received a email stating that they didn't find any problems and my claim was denied so I called chime and filed a rebuttal on XX/XX/XXXX and exactly another 3 days later on XX/XX/XXXX I received a email stating that my rebuttal was denied for the same reason. I have repeatedly called chime support and have been hung up on and told I need to provide supporting documents but I told them that's not possible since I didn't make or authorize the transactions I disputed and I don't know who XXXX even is so there's no way I could even have supporting documents. I feel like chime isn't investigating my dispute properly and I was told today XX/XX/XXXX that I won't be able to file another dispute for those transactions and I can't file a rebuttal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Business bank account was closed by company with no explanation or reason why it was closed. After account was closed our customers continued to send ACH payments to the closed account. PNC bank tells me the ACH transactions were returned to the sender which is XXXX County Clerk of Courts Comptroller.

I contact sender and tell them PNC insists that the funds were rejected and sent back to the sender which is XXXX XXXX. The county comptroller then provides me a copy of their financial statement showing where the funds were sent out to PNC bank and never received back from PNC bank. They also provide me with a ACH payment trace number, which is then provided to PNC bank. They requested a return trace number from PNC bank in order to be able to track where the funds went since PNC bank is insisting they sent them back. To this date after countless calls and emails to multiple PNC bank branches, several in-person visits to multiple branches, and multiple calls to PNC bank customer service reps in multiple departments, PNC bank has not provided a return trace number for either of the two missing ACH payments of over {$4000.00} each. PNC bank has not initiated a single call back about this issue since day one, I have had to contact them every single time, only to get told they can not find anything and the funds were returned. If these two ACH transactions were not returned, I feel fairly certain there could be more transactions that were not returned as well. I had this bank account opened since I started the business since XXXX. After they closed the account there were still other ACH payments erroneously being sent to the account from different customers over a year later that PNC banks also states were returned to the sender but will not provide me with the list of transactions so I can verify if that really happened. 
This issue first started in XX/XX/XXXX for the first transaction and XXXX of XXXX for the second transaction and I still feels like I have not made any progress. The county comptroller states that she can not dispute the issue with their financial institution without a return trace number from PNC bank in order to verify that the missing funds were actually rejected by PNC bank and sent back. Now PNC bank is trying to tell me that they can not get that info because it was too long ago. 

Missing ACH Payment # 1 for {$4600.00} was sent from XXXX County to PNC BANK on XX/XX/XXXX. The original ACH trace number is # XXXX Missing ACH Payment # 2 for {$4400.00} was sent from XXXX XXXX to PNC BANK on XX/XX/XXXX. The original ACH trace number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXXXXXX XXXX XXXX, CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

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 2025-01-06 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:
I GOT A LETTER SAYING THAT MMY PERSONAL INFO WAS IN A DATA BREACH AND SOLD ON THE BLACK WEB AN I LOOK AT MY CREDIT REPORT AN SEEN INACCURATE ADDRESS, COLLECTIONS, INQUIRIES

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 2025-01-06 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: NV

Complaint narrative:
I GOT A LETTER SAYING THAT MMY PERSONAL INFO WAS IN A DATA BREACH AND SOLD ON THE BLACK WEB AN I LOOK AT MY CREDIT REPORT AN SEEN INACCURATE ADDRESS, COLLECTIONS, INQUIRIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dispute of XXXX XXXXXXXX XXXX XXXX  Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX XXXX XXXX account XXXX which XXXX opened on XX/XX/year>, with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ). According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to XXXX XXXX to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. As such, I am requesting that you conduct an investigation into this matter and remove the XXXX XXXX XXXX XXXX  account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the UCC and FCRA are respected. Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, 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 2025-01-06 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: NY

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries that appear on my equifax credit report. I recently retrieved my credit report and it showed two unauthorized credit inquiries that I have no knowledge of ever authorizing at any given point. I believe these unauthorized hard inquiries are a result of identity theft. I have never seeked any type of credit from the companies down below nor did I ever give them the authorization to pull my credit report. I am writing to dispute the following inquiries and asking for their removal from my credit report immediately as it is illegal to report inaccuracies to a consumer credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this is resolved. Attached you will find a copy of my ID and social security card for verification along with a filed FTC report on behalf of the authorized inquiries. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
My question to you is how can a company pose or act as if they are the client they are working for. This information is posted from " RSI enterprises Incorporated '' website. I will post under my initial complaint quote the company website.

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As an extenXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, RSI represents you on a XXXX XXXX XXXX. Inbound/outbound calls are made and answered as XXXX XXXX XXXX XXXX XXXX XXXX making it invisible that the call and subsequent collection is handled by an outsource partner. All letters/notices are sent using the client letterhead. This is a service conducted from our office with our Customer Service staff.

3RD PARTY/ BAD DEBT COLLECTIONS RSI processes accounts and pursues collection activity under State and Federal regulation guidelines. This involves sending notices, making phone calls and pursuing litigation, if authorized by the client. XXXX XXXX XXXX XXXX  How can they do all of it yet be in compliance with the allowed amount of communications while posing as the actual health care facility. So becoming a " partner '' they can a XXXX  area?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MS

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. A PERSONAL LOAN OPENED WITH POSSIBLE FINE ON XX/XX/XXXX balance {$490.00} ( I DO NOT HAVE ACCESS TO THE XXXX. NUMBER ) AUTO LOAN OPENED WITH XXXX XXXX XXXX OPENED ON XX/XX/XXXX ( XXXX # XXXX ) BALANCE {$20000.00}. PERSONAL LEASE ACCOUNT OPENED WITH XXXX XXXX XXXX XXXX ( XXXX # XXXX ) OPENED ON XX/XX/XXXX BALANCE {$4600.00}. IN ADDITION XXXX HARD INQUIRIES CAP ON NA REPORTED ON XX/XX/XXXX ; XXXX XXXX NA REPORTED ON XX/XX/XXXX ; XXXX XXXX AUTO FIN REPORTED ON XX/XX/XXXX AND XXXX XXXX REPORTED ON XX/XX/XXXX., These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. A PERSONAL LOAN OPENED WITH POSSIBLE FINE ON XX/XX/XXXX balance {$490.00} ( I DO NOT HAVE ACCESS TO THE XXXX. NUMBER ) AUTO LOAN OPENED WITH XXXX XXXX XXXX OPENED ON XX/XX/XXXX ( XXXX # XXXX ) BALANCE {$20000.00}. XXXX XXXX  ACCOUNT OPENED WITH XXXX XXXX XXXX XXXX ( XXXX # XXXX ) OPENED ON XX/XX/XXXX BALANCE {$4600.00}. IN ADDITION XXXX HARD INQUIRIES XXXXXXXX XXXX XXXX  REPORTED ON XX/XX/XXXX ; XXXX XXXXXXXX XXXX REPORTED ON XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX REPORTED ON XX/XX/XXXX AND XXXX XXXX REPORTED ON XX/XX/XXXX., These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 2025-01-06 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account number XXXX and on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
I request validation of debt with proof of my wet signature on the original contract of all account 's listed here in with Experian reporting agency ; acct # XXXX acct # XXXX acct # XXXX acct # 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I tried reaching out the spring oaks capital llc reference to a collection account added to my credit trying to get information about this account and was not able to speak to anyone who was able to explain to me why this account was added to my credit profile or how to fix it. Its been a couple years and Im still not able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-06 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file. 

Please see the attached file.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQURIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-06 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: Skopos Financial, LLC
State: GA

Complaint narrative:
FRCA Section 605B - It is illegal to report information on my credit report without my permission.Please remove these items from my credit report. 

XXXX XXXX XX/XX/year> Accounts- XXXX XXXX XXXX The accounts stated above were added into an consolidation account and were notified of payment, please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I'm XXXX XXXX my income taxes came to my cash app they closed my account an I have over XXXX XXXX  on my card ..I can't get in my cash app that is closed to transfer my money to my new cash app but someone needs to transfer my money to my new open account for cash app

Company response to consumer: Closed with explanation