vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year> I used an ATM. This ATM was down and not connected to the internet, so I received a receipt from the ATM that said at the bottom " TRANSACTION NOT APPROVED '' and " Bank Unavailable. '' As well as stating that {$0.00} had been dispensed. Despite this, Chime debited my account for the money I requested but never received. When I made a dispute claim, I included a picture of the receipt with my claim. It was immediately denied within the hour. I called the disputes department asking why it was denied and requested it be reopened. They claimed that they would send me documentation on why it was denied, which they never sent. Shortly after the phone call where I asked why they denied my claim, they sent me an emailing stating they would be closing my account. On XX/XX/year> my account was closed, despite there being no reason for it, as I had not violated any policy. I called several times asking for the reason why my account was closed and they refused to cite any policy. They hung up on me several times in my search for this information. Then on XX/XX/year> I received an email from the Chime Disputes Department stating that the dispute I made on XX/XX/year> had been reviewed and that an error had in fact occurred and I should have, in fact, not been charged. So I called back asking if they were going to reopen my account since the dispute has been found to be accurate. They refused. They continually hung up on me as I continued to call and ask for a policy cited for why my account was closed in the first place. They have refused to give me any information or to assist me in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NY

Complaint narrative:
Transunion is reporting an inquiry with my personal information and this is reflected as an inquiry on my credit and I do not recognize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: MD

Complaint narrative:
I discovered incorrect inquiries on my credit report as per 15 USC 16c-2. These were not authorized and are negatively impacting my credit. Kindly remove them. 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 non-monetary relief
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have asked several times for the validation of these accounts below and they just keep sending me notifications saying account verified but nothing else has been done about what I have asked for so I am going to seek damages for the numerous violations in the amount of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request and Removal of Bankruptcies, XXXX account and XXXX  account Dear Sir/Madam, I am writing to formally request validation of the XXXX bankruptcies listed on my credit report, as well as to dispute the reporting and validation of XXXX  and XXXX credit card accounts. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debts reported against me. Specifically, I refer to 15 U.S.C. 1692g, which mandates that a debt collector must provide verification of the debt upon request. 

The bankruptcies I am disputing are as follows : XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy I request that you provide me with the documentation verifying these bankruptcies, including the details of the accounts involved, the dates filed, and the creditors associated with these filings. Should you be unable to provide this documentation, I request that you immediately remove all three bankruptcies from my credit report. 

Additionally, I am disputing the reporting and validation of the following accounts : - Fingerhut Address : XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX - XXXX  Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Please provide verification of these accounts as well. If you can not validate these debts, I also request their immediate removal from my consumer report. 

I expect a response to this request within 30 days, as mandated by law. Please be advised that I will be keeping a record of all communications regarding this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have asked several times for the validation of these accounts below and they just keep sending me notifications saying account verified but nothing else has been done about what I have asked for so I am going to seek damages for the numerous violations in the amount of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request and Removal of Bankruptcies, XXXX account and chime account Dear Sir/Madam, I am writing to formally request validation of the XXXX bankruptcies listed on my credit report, as well as to dispute the reporting and validation of XXXX  and XXXX credit card accounts. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debts reported against me. Specifically, I refer to 15 U.S.C. 1692g, which mandates that a debt collector must provide verification of the debt upon request. 

The bankruptcies I am disputing are as follows : XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy I request that you provide me with the documentation verifying these bankruptcies, including the details of the accounts involved, the dates filed, and the creditors associated with these filings. Should you be unable to provide this documentation, I request that you immediately remove all three bankruptcies from my credit report. 

Additionally, I am disputing the reporting and validation of the following accounts : - XXXX  Address : XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX - XXXX  Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Please provide verification of these accounts as well. If you can not validate these debts, I also request their immediate removal from my consumer report. 

I expect a response to this request within 30 days, as mandated by law. Please be advised that I will be keeping a record of all communications regarding this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
Amsher collection stated they are removing this from my credit report, but on my report it appears updated and remains not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA ss 605B ( 15 U.S.C. ss 1681 c-2 ) that you, The transunion credit reporting agenecy, 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. This fraudulent, inaccurate, and false information consists of SYNCB/Mohawk charge account opened XX/XX/XXXX, under the account number ( private ), SYNCB/Sleep Number charge account opened XX/XX/XXXX, under the account number ( private ), SYNCB/Lowes charge account opened XX/XX/XXXX, under the account number ( private ), XXXX XXXX Credit card opened XX/XX/XXXX XXXX under the account number ( private ), XXXX XXXX Mortgage Services XXXX Mortgage XXXX XX/XX/XXXX, under the account number ( private ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. i have attached a copy of the FTC Identity Theft Criminal Complaint # ( Privated Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity theft and fraud. My FTC claim number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: MO

Complaint narrative:
Ive identified inaccuracies on my credit report under 15 USC 16c-2. The listed inquiries weren't authorized and are lowering my score. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: HI

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT OF FEDERAL LAW SECTION 605B ALL FRAUDULENT DOING MUST BE REMOVE AND BLOCKED AS FRAUD. I HAVE ATTACHED MY FTC REPORT LISTING ALL THE FRAUD DONE IN MY NAME. PLEASE TAKE ACTION IN REMOVING THIS INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: HI

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT OF FEDERAL LAW SECTION 605B ALL FRAUDULENT DOING MUST BE REMOVE AND BLOCKED AS FRAUD. I HAVE ATTACHED MY FTC REPORT LISTING ALL THE FRAUD DONE IN MY NAME. PLEASE TAKE ACTION IN REMOVING THIS INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I refinanced my home in XXXX with Wells Fargo. 
XX/XX/XXXX, I received a letter from WF that stated during a review of the Wells Fargo account, we identified that we may have approved a loan that did not provide a sufficient or tangible benefit during the origination of the account. As a result, we are enclosing a check for {$720.00}. Please cash or deposit at your earliest convenience XXXX XXXX XXXX  XXXX I called WF upon receipt of this letter. Having looked up the laws, I knew that this was pertaining to the FHA net tangible benefit rule. Research has shown that I am entitled to my closing costs plus interest because there was no net tangible benefit from this refinanced mortgage. Customer service told me that I could request mediation via a paper document sent to me in the mail to inquire about how the amount of {$720.00} was reached. They said the form would arrive within 30 days.

My closing costs on this loan were {$1200.00}. I believe that {$720.00} is too low.

The form never arrived. I called back over 60 days later. A WF rep confirmed that the form had not been sent and assured me that she had expedited another one that would arrive within XXXX weeks. 

After XXXX weeks, I called again. This time I was told that my issue with Wells Fargo is not eligible for mediation and that is why I never received the form. When I asked for the calculations behind the check I received, I was given vague language this amount is a portion of your closing costs plus some interest. 

I believe I am owed more than {$720.00}. Wells Fargo will not provide any calculations and told me that I have no further recourse to request this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report lists hard inquiries I didnt approve under 15 USC 16c-2. Theyre incorrect and must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a bankruptcy listed on my report and ive reached out to the bankruptcy court and was told that information is not provided to credit bureaus. Ive reached out to all XXXX credit bureaus asking proof of verification of the record. I would need for this to be investigated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to seek your assistance regarding a charge-off on my credit report related to an account with XXXX. XXXX XXXX, account number XXXX XXXXXXXX. The charge-off, dated XX/XX/year>, amounts to {$4000.00}. 

I believe this entry is an error, as I am not a client of XXXX. XXXX XXXX and have never held an account with them. Despite my efforts to clarify this situation directly with the company, I have been unable to reach a satisfactory resolution. 

I kindly request your help in investigating this matter. Specifically, I would appreciate your assistance in : Verify the validity of the charge-off and ensure that XXXX. XXXX XXXX followed proper procedures. 
XXXX. Identifying any inaccuracies in the reporting of this account to credit bureaus. 
XXXX. Informing me of my rights and available options to address this issue. 
XXXX. I have included copies of relevant documentation, including correspondence with the creditor, to support my case. 

Thank you for your attention to this matter. I truly appreciate your help in resolving this issue and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 


Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

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