vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
On the morning of XX/XX/2023 I noticed that my bank cards and both my cell phones were stolen by someone that I know. I was able to get online just before noon to disable transactions on my cards and report my cards stolen. By the time I did that, the thief had made 3 atm withdrawals for {$200.00} ( XXXX ), {$1000.00} ( XXXX ), and {$500.00} ( XXXX ). They also loaded {$25.00} onto their XXXX XXXX at XXXX. All the transactions happened within about a thirty minute window that morning of the XXXX. I filed a police report and tried to dispute the charges that day. Chime said I had to wait for the transactions to move from a pending state to completed. I then disputed the transactions but at the time I didnt notice the initial {$200.00} atm withdrawal they did at XXXX. Chime came back and said there was no error several times. They knew my pin because they likely watched me punch it in at an atm before without me knowing. They even knew my cell phone pin likely the same way. 

Chime said they couldnt add the {$200.00} atm withdrawal to my existing dispute even though it happened during the same incident. So I opened up another dispute for just the {$200.00} Chime came back after my complaint to CFPB about them and credited my account with the {$1000.00}, {$500.00}, {$25.00} But now theyre denying the dispute of the {$200.00} withdrawal. This is absolutely unacceptable. Is someone actually working the disputes. It seems like a canned auto-response. Denial because theyve checked their systems and no errors were found. Seriously come on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CA

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 : XXXX XXXX XXXX XXXX 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.

15U.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.

These inaccuracie are stopping me from getting a house for my family and car for kids.

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 2023-12-12 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: CA

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 : XXXX XXXX XXXX XXXX 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.

15U.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.

These inaccuracie are stopping me from getting a house for my family and car for kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is charging me for an XXXX which was never delivered to me. 
XXXX XXXX XXXXI tried using XXXX XXXX XXXX service last year around XX/XX/2022 and ordered a new XXXX through the XXXX XXXX XXXX XXXX XXXX. 
-- -- -- XXXX XXXX  XXXX shipped the device and I got the XXXX tracking number but the device got lost/stolen in transit by XXXX. 
XXXX XXXX XXXX XXXX XXXX tracking number for that XXXX shipped till date shows status as " In Transit '', even after one year. 
XXXX XXXX XXXX XXXX XXXX  I've reached out multiple times in the last 1 year to both XXXX and XXXX XXXX XXXX and no one is ready to accept their responsibility and correct the course of action here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is charging me {$1000.00} for the lost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this to the Debt collection agency here " SUNRISE CREDIT SERVICE '' and they kept messaging my phone for collection of Debt which I don't own. 
XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVICE reported this as a " Derogatory Remark '' to my credit bureau and my excellent score now looks very bad. they reported this to 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 2023-12-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian - Log in Account Hacked Multiple Times I can not log in to my Experian Account because the log in email keeps getting changed. I cant contact anybody because I cant get a human on the phone and I can email anyone the screenshots. From the forums online multiple people are having this issue. Ive had to issue Fraud alerts accounts are attempted to be opened etc I cant get help from them and MY DATA HAS BEEN COMPRIMISED. 

I have called multiple times and CAN NOT get help or a PERSON.

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 2023-12-12 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: MD

Complaint narrative:
For approximately the last 3-5 years I have been repeatedly forced by all 3 credit bureaus to continuously file disputes against the same unauthorized XXXX account that was created fraudulently without my knowledge or permission. 
The unauthorized account has been removed multiple times and keeps being re-added to my personal credit causing my score to decrease rapidly literally Ill reach XXXX & boom now I have to repeat the same dispute they just keep switching companies and then attempt to place it back on my credit report. This is a problem and I am fed up with this situation. I dont even trust them anymore my credit stays on freeze but somehow they still manage to damage my credit score and reputation. I believe my rights are being violated and my credit score has failed to be protected from fraudulent claims by the credit bureau the same accounts that were disputed and deleted multiple times should have been enough of a red flag for the credit bureau to take notice and take action against them but instead they are working together and its obvious via illegal actions being taken/made against me. 
This screams harassment and outright obstruction my next step is civil suit for damages caused by this unfairness created by this scam being ran on my credit report no wet ink documents were found nor will be as I have already explained that there was accounts made fraudulent after losing my wallet and having vehicles broken into all necessary information was provided on my end

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 2023-12-12 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: MD

Complaint narrative:
For approximately the last 3-5 years I have been repeatedly forced by all 3 credit bureaus to continuously file disputes against the same unauthorized XXXX account that was created fraudulently without my knowledge or permission. 
The unauthorized account has been removed multiple times and keeps being re-added to my personal credit causing my score to decrease rapidly literally Ill reach XXXX & boom now I have to repeat the same dispute they just keep switching companies and then attempt to place it back on my credit report. This is a problem and I am fed up with this situation. I dont even trust them anymore my credit stays on freeze but somehow they still manage to damage my credit score and reputation. I believe my rights are being violated and my credit score has failed to be protected from fraudulent claims by the credit bureau the same accounts that were disputed and deleted multiple times should have been enough of a red flag for the credit bureau to take notice and take action against them but instead they are working together and its obvious via illegal actions being taken/made against me. 
This screams harassment and outright obstruction my next step is civil suit for damages caused by this unfairness created by this scam being ran on my credit report no wet ink documents were found nor will be as I have already explained that there was accounts made fraudulent after losing my wallet and having vehicles broken into all necessary information was provided on my end

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 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Was affected by covid lost job was originally told all Missed payments would go on to the of the loan. Then they required documentation that was never discussed this went on for over a year then my wife became ill and passed away. California relief will fund {$80000.00} and I need lender to accept difference from me and a statement showing past due under {$80000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
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 : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 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 inaccu
rate.

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 2023-12-12 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Birthdate : XXXX  FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRUIST BANK conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRUIST BANK will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
After reviewing my consumer report, I have found several inaccuracies and accounts. There are multiple hard inquiries that have not been authorized by me according to the FCRA 15 USC 1681 et section 604. My only name is XXXX XXXX XXXX, not XXXX. 
Hard Inquiry Names that are listed under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX do not belong to me. These inquiries are not tied to any accounts opened by XXXX XXXX. Please remove the following hard inquiries from all 3 consumer reporting agencies, XXXX, XXXX, and XXXX in accordance with the 15 USC 1681 et section 604 immediately : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Services Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Lentegrity Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX- XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX Date ; XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been notified by me in letter form as well as here on the CFPB platform of serious violations of my consumer rights. These items include violation of 15 Us Code 1681e ( b ) and 15 US code 1681i ( 5 ) which states that items on my report must be 100 % accurate. Three items violate this consumer law and Experian has ignored my attempts in notifying them of this violation by ignoring my letters and by making a blanket statement of verification when they have not provided how these items are being verified or if they have any of these items contract with my wet signature proving that this is in fact verifiable as My account. Also, Experian is violating 15 Us code 1681b by reporting a Collection/Charge off with a balance on my account. This is a huge violation because 15 us code 1605 states that companies have Insurance built into their finance charges to protect lenders which means if this is a collection or charge off the company has received compensation and should have sent me a 1099c for this canceled debt. I have never received this 1099c but I am still having an issue with Experian reporting this to my Credit profile. These violations can not go unnoticed and I will file a lawsuit.

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 2023-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I disputed this debt on XX/XX/XXXX by mail and it is still currently showing on my credit report fraudulently. Nissan Motor Acceptance was not the finance company for this vehicle. The amount owed on all 3 Credit bureaus XXXX, XXXX, and XXXX is not correct. This car was previously removed off my credit report due to it having the wrong lien holder. This car was clearly in a previous lien with XXXX XXXX not Nissan Motor Acceptance. Also XXXX XXXX was in a class action lawsuit as well which is why it was removed previously. I am requesting Nissan Motor Acceptance to remove this false information from all 3 major credit bureaus XXXX, XXXX, and XXXX. I'm also requsting for Nissan Motor Acceptance to remove it from XXXX, XXXX, and XXXX XXXX permanently. I am not responsible for this debt due to it being previously paid off by XXXX XXXX XXXX XXXX according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not give consent for Nissan Motor Acceptance to release my personal non public information to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our Mortgage company said we didnt have adequate homeowners/hazard insurance and said if we don't show proof they will add it to our payment escrow account. During XXXX I believe 2023 after we added the certificate to their web porter they still added the coverage even though they confirmed that they got it. Many months later in XXXX I get a mail letter saying that soon we need to get another insurance since they added it already. I checked my automatic payment thinking taxes went up on my escrow account payment and discovered they added the insurance even though I proved it and they confirmed it. I called in multiple times with no luck. I called again and got someone and they did say they discharged and that it would take another 30 days and the fees might be less for my refund. They stated they refunded {$880.00} on XX/XX/23 and {$250.00} on XX/XX/23. They said they would have to do another escrow analysis in 1 week of XXXX and then they were not sure the exact refund I would get 5 days after that. They keep telling me different things and different amounts. I think they need to be audited they added this for no reason how can I add interest to my money. They told me they have thousands of customers and it's the holiday and this could happen sometimes. That is unbelievable. Please help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/2023 an impersonator went to an apartment complex ( XXXX XXXX ) and tried to rent an apartment with my Credit. On XX/XX/2023 I was checking my credit and noticed a collection had been started on XX/XX/2023 in the amount of {$420.00}. I immediately froze my credit and filed a dispute through XXXX, XXXX, and XXXX. On XX/XX/2023 I called the apartment complex and spoke to the lady that handled the transaction and she admitted to me that she knew it was fraudulent but had to send it to collections anyway, at this point I contacted the collection agency and started a dispute. I also filed with XXXX XXXX Police Department and they put together a Case # XXXX.

Company response to consumer: Closed with explanation