vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I attempted to withdraw {$200.00} from an ATM operated by XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. I had successfully made three previous withdrawals of {$200.00} each, but during my final attempt, the ATM went out of service and did not dispense the cash. Despite this, my bank deducted {$200.00} from my account. 

I contacted the ATM manager, who confirmed that the ATM was out of service during my last transaction and that the cash was not dispensed. They advised me to file a dispute with my bank and provided me with a reference number for the ATM ( XXXX # XXXX ). 

On XX/XX/XXXX, I contacted my bank ( Chime ) and provided them with all the relevant information, including the reference number. They assured me that they would call the ATM operator for verification and would process an E-regulation dispute on my behalf. The bank provided me with their reference number for this dispute ( Reference # XXXX ). 

However, on XX/XX/XXXX, I logged into my account and discovered that my claim had been denied. When I inquired about the denial, I was told that the bank could not provide me with specific details regarding the claim. I have attached the receipt from the ATM manager that shows the transaction did not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
The bank defrauded him because he made XXXX XXXXXXXX XXXX and they don't whant to give my money back. The Banck is BMO in XXXX Indiana I was given this page to help 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 2024-10-21 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:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-21 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: EQUIFAX, INC.
State: WA

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. 

Account name : XXXXXXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX  Account number : # XXXX, Account name : XXXXXXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX has violated my rights. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX DOB : XX/XX/XXXX | SSN : XXXX TransUnion XX/XX/XXXX I am filing a formal complaint requesting the removal of account XXXXXXXX XXXX XXXXXXXX - XXXX from my credit report due to multiple inconsistencies and lack of verification by the credit reporting agencies. 

Detailed Description : The account in question is reported inconsistently by TransUnion XXXX and XXXX, with the following specific errors : Inconsistencies in credit limits and balances : TransUnion reports a high credit of {$1900.00}, while XXXX shows {$0.00} and XXXX {$1800.00}. Both agencies report different credit limit amounts. 

Incomplete Payment History : XXXX does not display any details about this account, which represents a lack of information. 
Current creditor verification : TransUnion, XXXX, and XXXX were unable to provide the name or details of the current creditor. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure that reasonable credit report information is accurate and verifiable. In this case, the agencies have failed to provide complete or verifiable account information, which has caused me undue harm. 

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 2024-10-21 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX 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 2024-10-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
My social was breached and I am a victim of identity theft. 
Here are a few dates XX/XX/XXXX in the amount XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX, XXXX, XXXX, XXXX XX/XX/XXXX in the amount of XXXX. I filed an identity theft report against all of the following accounts and asked to have these accounts removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MS

Complaint narrative:
multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify Clarity, XXXX, XXXX, Experian, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report. 

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

Clarity, XXXX, XXXX, Experian, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with Clarity, XXXX, XXXX, Experian, XXXX, and XXXX An investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector. 
Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CL Holdings LLC
State: NC

Complaint narrative:
My social was breached and I am a victim of identity theft. 
Here are a few dates XX/XX/XXXX in the amount XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX, XXXX, XXXX, XXXX XX/XX/XXXX in the amount of XXXX. I filed an identity theft report against all of the following accounts and asked to have these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
This account listed on my Equifax report only showing account number -- XXXX which is a scrambled version of the account ending XXXX. This account has not updated on Equifax since XX/XX/year> and the balance at the time was {$1000.00}. The balance now XX/XX/year> is {$200.00}. A vastly different amount the history of the last 8 months and the payments are also missing. I have asked repeatedly to have this updated. I am constantly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
I disputed my payment history with child support ( texas OAG ) with XXXX, and they fixed my payment history no problem, and changed all my past payment history to " paid, never late ''. I submitted the same information and proof to both trans union and XXXX and it has yet to be changed. Both are showing XXXX late payments over the course of 3 years. My child support comes DIRECTLY out of my XXXX XXXX XXXXXXXX and is paid directly to child support - WHICH MAKES IT IMPOSSIBLE TO BE LATE. Also, the dates that they are saying that I was late, I actually had primary custody and I wasn't even suppose to be paying child support. Attached are even correspondence with me and my lawyer back during that time and discussing what Child Support ( Texas OAG ) should have fixed back then. I was actually owed child support. I need ALL 3 of my consumer reports to read the exact same thing as my experian report does. To read " Paid, Never Late '' for any and every payment concerning that account. 

Office of Attorney General XXXX " Open Never Late '' Furthermore, the fact that child support is even on my credit report is illegal concerning consumer law. It violates 15 usc 1681b - permissible purposes.

I have not nor have I ever given Child Support or Texas OAG permission to furnish anything on my credit report. Child support payments aren't an extension of credit nor are they are credit transactions. 

2. It also violates 15 usc 1681a ( 2 ) ( i ) - under the Exclusions sub paragraph. Items on the consumer report should not include individual transactions or experiences. 

So if they are going to list this on my consumer report illegally, then it should atleast be reported correctly. If this can not be done, then legal actions will have to be taken due to each Transunion and XXXX knowingly violating consumer laws concerning reporting.

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 2024-10-21 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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-21 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: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify XXXX, Chexsytem, XXXX, XXXX, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

XXXX Chexsytem, XXXX, XXXX, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with XXXX Chexsytem, XXXX, XXXX, XXXX, and XXXX XXXX investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector.

Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my 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 2024-10-21 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: LEXISNEXIS
State: MS

Complaint narrative:
multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify XXXX, XXXX, LexisNexis, XXXX, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

XXXX XXXXXXXX, LexisNexis, XXXX, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with XXXX XXXX, LexisNexis, XXXX, XXXX, and XXXX An investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector.

Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
Hi TransUnion, I just received a copy of my credit report and I found this fraud account that shall delete from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$1500.00} is fraudulent because I never opened this account and unauthorized transactions has been made on this Fraud account. This Fraud account was opened without my knownleage and XXXX delete from my credit report. I spoke with XXXX XXXX fraud team manager and they told I have the right to delete this Fraud account.

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