vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: PA

Complaint narrative:
I filed a dispute on XX/XX/XXXX for a flight that I purchased on XX/XX/XXXX for {$500.00}. The flight was purchased through a third party website, XXXX. The flight was an XXXX XXXX flight from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX XXXX, for Friday XX/XX/year>. The flight was cancelled by XXXX XXXX in XXXX. On XX/XX/XXXX, I reached out to XXXX XXXX for a refund ; I was instructed to reach out to XXXX. I reached out to XXXX to ask for a refund ; I was instructed to reach out to XXXX XXXXXXXX for a refund. This constant back-and-forth of these two companies lasted until XX/XX/XXXX, when I filed a dispute with my bank, Chime. Chime began investigating on XX/XX/XXXX. Over 20 business days passed, and there was no resolution, not even a temporary credit. On XX/XX/XXXX, I reached out to XXXX, and they informed me that they initiated a refund to Chime on XX/XX/XXXX, XXXX business days prior. I called Chime, and they informed me that they had no record of the refund. I put Chime and XXXX on a 3-way call, and a XXXX representative confirmed directly to a Chime representative that they initiated a refund, and that the original amount should be credited to my account. After this conversation, I asked Chime to approve my dispute and credit my account, since they now had direct confirmation from the merchant. They refused to do so. The lack of professionalism and competency with this company is both appalling and frustrating. I would like my money refunded back to my account IMMEDIATELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-11 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: MS

Complaint narrative:
I submitted a verification request disputing unauthorized inquiries on or around XX/XX/year>. I also requested that reporting companies delete unauthorized inquires per FCRA sec. 604f 15 usc 1681 as they are not authorized and holds no permissible purpose or other reason. Within. XXXX hours I got an email claiming that items have been verified and will continue to stay on my report for XXXX  years even after I the consumer, natural person verified that they were not authorized.

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 2024-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: CA

Complaint narrative:
I have received 25 telephone calls from this number in the last week alone. This does not even include the text messages Ive received from a different number from the same company. The debt they are attempting to collect was transferred to this company without my consent or knowledge prior to it occurring. I was paying the debt on schedule, transferring it made it so I could not manage this payment of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: UT

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 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 2024-10-11 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 explanation
Consumer complaint received 2024-10-11 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, this is second time I complain regarding citi bank closing my account. They requested ssa-89 form from me, I sent that form to them and they received it and they tell me that they processed it and state that they weren't able to process it. But it is completely impossible, so I asked them to reprocess it again because I believe there must be an error. They declined my request to reprocess it, also I wrote them that if they close and account that I wasn't able to use from the first day, they remove annual fee. They declined all my requests. So now I have to pay off {$500.00} annual fee. I feel like I am scammed, it's like a scheme, to approve you card with high annual fee then restrict it, once you send documents tell you that they weren't able to receive information and close the account, so you have to pay annual fee. Please help me, why won't they agree to reprocess the document, cause there could be an error on their side or on the side of the company that responsed them.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is really insulting, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my XXXX XXXX and impacting my life negatively.

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 2024-10-11 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: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax XXXX XXXX and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following. 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
Consumer complaint received 2024-10-11 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: MD

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-11 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: FL

Complaint narrative:
Im confident that I pay on time, so I dont understand why this company is reporting late payments. Under USC 1666b, errors in billing should be corrected, and my account should show as paid as agreed.

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 2024-10-11 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: FL

Complaint narrative:
Im confident that I pay on time, so I dont understand why this company is reporting late payments. Under USC 1666b, errors in billing should be corrected, and my account should show as paid as agreed.

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 2024-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Initially I applied for a mortgage for 2 investment properties. I was approved by loan officers back in XXXX, then 1 week before closing. They stated that my income couldnt be verified. I then requested info on why, they stated it was incorrect on the employment verification. To salvage my time and money trying to close on the account I stated that it was probably a clerical error since my w2 and tax returns were correct and the paper that had to be manually processed was the only issue. So common sense would have shown it was a clerical error, nothing more. 

2nd attempt to get financing new application, I tried to consolidate my debt using my existing HELOC loan, I was again approved, did appraisal and just today on XX/XX/XXXX they gave me a generic reason for denial unable to verify income. I asked for clarity and what couldnt be verified since I receive direct deposits from my regular employer and my rental income comes in monthly as direct deposits. No answer as of yet. 

At this time I would like the consumer finance department to look into both of these instances. This seems to be a clear case of unfair lending practices, which has been illegal since 1996. But apparently state employees didnt get the memo. 

This has caused extreme emotional and Finacial stress. 

Thanks in advance for your assistance with this escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-11 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: ND

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 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 2024-10-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally express my concern regarding the inaccuracies on my credit report, which I have disputed multiple times without resolution. Despite my repeated efforts to bring these erroneous accounts to your attention, they continue to remain uncorrected, causing significant harm to my credit profile. 

These inaccuracies are not only negatively impacting my creditworthiness but are also hindering my ability to maintain a normal financial life. As a result, I have experienced immense hardships, including [ briefly mention how this has affected you, if applicable, e.g., being denied loans, housing difficulties, etc. ]. 

I respectfully request that you conduct a thorough investigation into the reporting of each of these disputed accounts and take the necessary corrective actions without further delay. It is imperative that my credit report is updated to reflect accurate information to restore the integrity of my financial standing. 

Your prompt cooperation in resolving this issue is crucial, and I sincerely appreciate your immediate attention to this matter. Please acknowledge receipt of this letter and confirm that steps are being taken to investigate and resolve the disputed accounts. 

Thank you in advance for your understanding and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
XXXX, XXXX, & Experian NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX  XXXX XXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX  Credit cards {$530.00} acct # XXXX 2 ) XXXX XXXX {$63.00} XXXX 3 ) XXXX XXXX XXXX {$370.00} acct XXXX 4 ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!

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