vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against SELF Lender for their unauthorized sharing of my nonpublic personal information, in violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: OH

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2024-07-17 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: KY

Complaint narrative:
I believe that the information reported by Transunion regarding this account is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 

Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. Please delete this account immediately for improper and inaccurate information. 

XXXX XXXX ( XXXX ) Account # XXXX Transunion has different information from XXXX XXXX 
Transunion has a different account number different open date, different high credit, different last payment date, and different last activity. As a consumer all credit reports are suppose to report the same 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 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NE

Complaint narrative:
I have made numerous attempts with your organization Selene Finance since XX/XX/XXXX to obtain an updated escrow analysis since making payment on XX/XX/XXXX to cover the shortage in the amount of {$2200.00}. 

I have called customer service on the following occasions/dates being reassured that my escrow payment and analysis for the payment for XX/XX/XXXX would be completed after numerous attempts a new analysis has not been completed. You record all calls for training and quality assurance so I am sure you can listen to each and every recorded call. I will not be paying a late payment for XXXX based on your organization 's negligence while I have been doing my due diligence. I will also be filing a complaint with the XXXX XXXX XXXX, Federal Trade Commission, and the Consumer Financial Protection Bureau. 

Calls made : XX/XX/XXXX XXXX XXXX 13 minutes XX/XX/XXXX XXXX XXXX 10 minutes XX/XX/XXXX XXXX XXXX  11 minutes XX/XX/XXXX XXXX XXXX 24 minutes This is absolutely ridiculous and on the initial escrow analysis that was provided your organization did not provide the option to pay the shortage which is illegal. You prey upon people that may not realize nor have the funds to pay the shortage and in economic times as such you are taking advantage and inflating payments that will price people out of their homes. I am truly disgusted over this situation and expect this to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-07-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I subscribed to companies credit boost, I was {$14.00} for a one month subscription. 
Later that day I had seen no results or update on my subscription. I emailed them and received no response. 
The bank account I had linked to the payment had been closed due to a divorce so I let it go. It is now XX/XX/XXXX and I have emailed them once again. 

They were updating my account and they were all via automated text : On XX/XX/XXXX : TomoCredit : Subscription Alert. 

Your TomoBoost subscription renewal failed. 

Resolve now : XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 

I was notified every day until XX/XX/XXXX when it changed to : TomoCredit : IMPORTANT Your TomoBoost reporting is scheduled to STOP soon. Resume your subscription to avoid impacting your credit score.

https : //tomo.credit/paused Reply HELP for more information. STOP to unsubscribe. 


That happened everyday until the XXXX when I received this message : TomoCredit : IMPORTANT Your TomoBoost reporting is scheduled to STOP soon. Resume your subscription to avoid impacting your credit score. XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 

I received that message everyday until this past Thursday, XX/XX/XXXX when the messages began to say TomoCredit : Urgent - Upcoming Termination! 

Your TomoBoost account is scheduled to be terminated soon. 

Closing a line of credit may negatively impact your credit score.

Resume XXXX XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 


I never once was able to find a phone number to talk to a real person to cancel the subscription or even ask questions. and when you would reply help to the automated text it would just reply with : Reply STOP to unsubscribe. Msg & Data Rates May Apply. 


My credit score has not been impacted that Im aware, but I am afraid they will negatively impact it if it continues. 

Attached is a photo of where I was charged for the service and one is of where they said that my card was on the way. I never received any kind of card from them. 

Every day they would send me at least 2 emails talking about signing up for the subscription I had already paid for but never received services for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
I disputed {$150.00} charge from XXXX because the app had force closed and redirected to book a new flight but they took the money out account and it was pending. 

I call airline to see what happen they can not see anything because it closed so I called Chime to dispute and the decline! You can see I had to purchase another flight right after this flight so clearly It was suppose to be refunded back!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
THIS ACCOUNT WAS CHARGED ON THE FOLLOWING DATE ( XXXX XXXX OF THE FIRST CHARGE ) SINCE THEN THE ACCOUNT HAS BEEN UPDATED REPEATEDLY AS CHARGED EACH MONTH. THIS IS AN UPDATE TO THE PAYMENT HISTORY. A CHARGED ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. IT IS INACCURATE THE INFORMATION FALSELY MANIPULATES THE PRESCRIPTION. DID NOT INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLIGENCE HAS VIOLATED MY RIGHTS. I AM DEMANDING THE DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : 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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Dear Consumer Bureau, I am writing to seek assistance regarding a fraudulent chargeback on my Chime account. Below are the details of the incident : On XX/XX/XXXX XXXX XXXX XXXX XXXX Eastern Time, I completed a trade with a customer named XXXX XXXX. The payment method used was Chime, and the amount was {$300.00}. I have attached receipts, conversation screenshots, and XXXX XXXX 's Chime checking balance screenshots to verify his ability to complete the payment. 

On XX/XX/XXXX, I received the following email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date Error Reported : ** XXXX **Subject : ** Unauthorized Transaction Notification XXXX XXXX, * *We 're contacting you in regards to the following Pay Anyone transaction ( XXXX ) you received : * XXXX. Transfer from XXXX XXXX on XXXX for {$300.00} *The sender of the transaction ( XXXX ) has reported they were unauthorized. Based on our investigation, we have determined the transaction ( XXXX ) were not authorized by the sender. As a result, we have debited your account in the amount of {$300.00} and credited the funds back to the sender. To resolve any issues with this claim, please reach out to the person who sent you the funds. * *Thank you for being a valued Chime member. * *Sincerely, * *Chime Disputes Team* I contacted Chime support immediately on XX/XX/XXXX at XXXXXXXX XXXX. They informed me that they are unable to resolve the issue despite the evidence of the completed trade. They mentioned that anyone could initiate a chargeback without my permission or consent, which is concerning. 

I am requesting your help to resolve this issue and prevent further fraudulent chargebacks. Your assistance in this matter would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2024-07-17 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: NM

Complaint narrative:
On my experian, XXXX and XXXX XX/XX/year> on my reports a balance of XXXX dollars was provided to a collection agency name XXXX XXXX illegally from the consumer by the name of XXXX i asked for a cease order they are constantly bothering me Im in process of trying to purchase a home and this is hindering me based on consumer law 15 usc 1692 c this is highly illegal I want it removed immediate please and my score increase back to the right amount

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 2024-07-17 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:
This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$400.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance {$750.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/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 2024-07-17 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-17 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: NJ

Complaint narrative:
I am writing to address several issues I have discovered with my credit report and to request immediate action to correct inaccuracies. Below, I outline my understanding based on various legal references and my specific requests. 

1. **Loan Legality and Social Security Number Request** : - According to 12 USC 1431 , banks are considered borrowers themselves and therefore, should not be permitted to loan money.

- Per 42 USC 408, it is illegal to request my Social Security Number for any credit transaction or loan. This is compounded by the fact that HJR-192 suspended the gold clause, meaning there is no lawful money, only a means to discharge debt.

2. **Consumer Rights and Debt Discharge** : - Under 15 USC 1602 ( g ), consumers are recognized as creditors. UCC 3-104 details the nature and use of negotiable instruments. 
- Additionally, 31 USC 5118 permits the discharge of all debts. A charge-off should be treated as a certificate of indebtedness and must be removed.

3. **Inaccurate Credit Reporting** : - It has come to my attention that my credit reports from TransUnion, XXXX, and XXXX contain discrepancies and inaccuracies. Specifically, the information on these reports does not match across the agencies and includes incorrect data about my credit history. 
- Reporting transaction history that is not accurate is illegal under the Fair Credit Reporting Act ( FCRA ).

4. **Specific Requests** : - I kindly request that none of my credit card accounts be closed. Instead, they should be updated to reflect " Paid as agreed, never late. '' - All inaccuracies and discrepancies in my credit reports must be corrected immediately. This includes updating any accounts to accurately reflect my payment history and removing any incorrect or outdated information. 

I expect prompt action on these matters. Please confirm receipt of this letter and the steps that will be taken to rectify these issues. I trust that you will handle this request with the urgency it warrants. 

Thank you for your attention and cooperation. 

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 explanation