vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
XXXX XXXX XXXX has my XXXX 's social security number. They have said on the phone and accused me of giving them the wrong social security number and they are refusing to take ownership on their mistake, stating that they verify everything, yet somehow this social security number was linked with my birthday. This should not have happened. I spoke with their supervisor about this and my struggle to maintain payments and he recommended to file bankruptcy, as well as said that the issue with my XXXX 's SS would be resolved. 

Since then I have continued to receive over XXXX calls a week from XXXX XXXX XXXX, which is harassment per the law, and was advised by a bankruptcy lawyer to tell my creditors I was filing. ( I have not filed yet ). On the phone I was threatened by someone else named XXXX, after I advised them of this, who stated that they would garnish my wages and also accused me of lying about not giving them my XXXX XXXX social and lying about the XXXX advising to file for bankruptcy. It was also suggested by them that bankruptcy would impede their removal of my XXXX XXXX  social security number from the loan. 

They are continuing to call me multiple times per week, around XXXX times a week under different numbers. I would like them entirely abolished from my credit report. They have too much information mixed up and can not be trusted.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
EXPERIAN CONTINUALLY, DISPITE MY DISPUTES, REPORTS MY NAME, ADDRESSES AND CREDIT FILE INCORRECTLY. I HAVE SENT NUMEROUS NOTICES OVER THE YRS TO DISPUTE. EXPERIAN IS REPORTING THAT I HAVE DELIQUENT ACCOUNTS, HIGH BALANCES AND TOO NEW CREDIT..WHILE AT THE SAME TIME STATING THAT IT CAN NOT VERIFY MY IDENTITY. EVEN THOUGH EVERY DISPUTE I SEND IN HAS A DRIVERS LIC, PASSPORT, SS CARD, BIRTH CERT, EMPLOYER RETIRED ID, A BLANK CHECK, MEDICAL CARDS AND IMAGES OF DEBIT AND CREDIT CARDS. EXPERIAN IS SINGLEHANDEDLY DESTROYING MY CREDIT FILE. I HAVE NO DELIQUENT ACCOUNTS, AND ALL OF MY CREDIT CARDS HAVE A XXXX BALANCE. THE ONLY LOAN I HAVE OPEN IS MY MORTGAGE THAT I AM OF COURSE PAYING ON TIME. EXPERIAN IS CAUSING PAIN AND SUFFERING AND I RECENTLY FOUND OUT THAT THEY ARE BEING SUED IN A CLASS ACTION SUIT FOR XXXX DISCRIMINATION VIA THE INTERNET ALGORITHM, ULTIMATELY ISSUING LOWER CREDIT SCORES TO MINORITIES ESPECIALLY XXXX XXXX  LIKE MYSELF. MY CREDIT SCORE SHOULD BE AT LEAST XXXX. MY CREDIT SCORE WAS HIGHER WHEN MY DEBT TO INCOME RATION WAS HORRIBLE LAST YR. IT HAS REMAINED AT XXXX NO MATTER WHAT HAS BEEN PAID OFF. THEY ARE CONTINUING TO REPORT MY NAME INCORRECTLY WHICH IS ALSO DAMAGING MY CREDIT FILE AND CAUSING CREDIT DENIALS, EMBARRASMENT, PAIN AND SUFFERING.ALSO I AM BEING SHUT OUT OF BUSINESS CREDIT AND HAVE TO CLOSE MY BUSINESS FULL TIME. IF I HAVE TO CLOSE MY BUSINESS I WILL FILE FOR DAMAGES UNDER THE FAIR CREDIT REPORTING ACT.THE ONLY RESPONSES PROVIDED ARE ROBOTIC EMAILS.THE PHONE NUMBER PROVIDED IS AN ARTIFICIAL INTELLIGENCE RECORDED LOOP THAT REFUSES TO TRANSFER YOU TO AN ACTUAL HUMAN BEING. I HAS BEEN A VISCIOUS CYCLE OF ME SPENDING MONEY TO COMMUTE TO THE POST OFFICE AND SEND THE LETTERS CERTIFIED AND FIRST CLASS MAIL FOR WHICH I WILL ALSO BE SEEKING DAMAGES. WHATS WORSE IS EVERYTIME I REPORT THEM TO THE CFPB, EXPERIAN RESPONDS THAT INFOXXXX IS VERIFIED AND THE CFPB CLOSES OUT THE CASE AS RESOLVED. I CONTINUE TO LODGE THESE COMPLAINTS AND DOCUMENT THEM FOR PAPER TRAIL PURPOSES.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IN

Complaint narrative:
They are reporting false information..this was an account I was using to build my credit and by the time I closed it it was paid to debt..its not like they give you the loan.it just reports on your credit while I was making monthly payments and its incorrect that it reports as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing to express my serious concerns regarding the deceptive and unsafe practices employed by your company in handling my consumer credit accounts with the following reference numbers : XXXX and XXXX. It has come to my attention that your company reported to the credit bureau that I am late on payments, which is inaccurate given that I prepaid when I provided your company with a negotiable instrument upon signing the contract. 

I recently discovered that the negotiable instruments, serving as evidence of indebtedness, were securitized and placed into an asset-backed security without my knowledge or consent. This lack of transparency is a breach of our contractual agreement. Additionally, I would like to bring to your attention the existence of an arbitration agreement in our contract, stipulating that any disputes between us should be handled through arbitration. Contrary to this agreement, your company has taken actions such as reporting to credit bureaus and selling the accounts without adhering to the arbitration process. 

Furthermore, your company 's deceptive practices attempt to portray me as being in debt when, in reality, banks generate money through contracts signed by consumers, and your company benefits from the credit sale we engage in. This reversal of roles is not only misleading but also in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I want to highlight specific FDCPA violations : FDCPA 807 : False or misleading representations, ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

FDCPA 808 : Unfair practices, ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

I have accumulated a significant amount of envelopes from statements sent by your company, each bearing your logo/symbol, which may constitute a violation of FDCPA 808.

I demand the immediate removal of the accounts associated with reference numbers XXXX and XXXX from credit bureaus. Failure to do so will compel me to pursue legal action for FDCPA violations, defamation of character, security fraud, and additional damages. 

I trust that you will address these concerns promptly to avoid any legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
On XXXX XXXX  a debt verification letter was sent certified mail to XXXX XXXX XXXX XXXX. Due to the alarming high amount of fraud purported by debt collection agencies specific information, outside of what was initially provided, was requested by me. I am making this complaint to let it be known that communication was sent to this debt collector. Out of all the things requested in the debt validation letter a copy of THE PURCHASE AGREEMENT is the most essential to validationof the alleged debt. I require a copy of the purchase agreement so I may with my own eyes see that the original creditor has stated a claim of accuracy relating to amount of the alleged debt. I believe the company in question will have no problem producing the documents that I am requesting, seeing as they have made claims that they do have full right to collect on the alleged debt.

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 2024-01-20 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: OH

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-19 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: 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: SC

Complaint narrative:
Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and XXXX. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.

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 2024-01-19 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: SC

Complaint narrative:
Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as Equifax and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as Equifax and XXXX. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. Equifax and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
I called Chime Bank to report multiple unauthorized transactions made with my debit card ending in XXXX. 

I told the bank that someone hacked one of my emails and linked my debit card to make purchases on an App called XXXX and another transaction called XXXX XXXX. 
I told them I did not authorize these transactions, I don't use that app at all and I have no idea why they charged me those amounts. 

I asked them politely to recover my money by filing a dispute for unauthorized transactions because this is fraud and we're dealing with fraudulent transactions. 

They filed a dispute and submitted the case to the internal department, within 1 hour or so I got an automatic email from Chime saying : Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I contacted the bank again multiple times after getting rejected over and over again and receiving an automatic email sent by XXXX with the same final decision, I found out my case was not being reviewed by a real agent other than a machine which is one I was getting automatic emails with a final decision denying my disputes over and over. 

I spoke to several agents and supervisors, but no one has been able to solve this matter. They keep sending the same emails and no evidence, no explanation, nothing at all. They just want to deny my disputes and not refund my money from the merchant. They were also rude and very disrespectful over the phone. 

I'm here to ask for help, and I believe you guys are the only ones that can help me. I'm going to provide all the screenshots and images I have of the unauthorized transactions and emails. 

Here are the fraudulent transactions : 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 2024-01-19 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: GA

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-19 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: DE

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want the items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: NC

Complaint narrative:
I asked for a reinvestigation of accuracy of accounts but I recieved no information as to who verified the reports as directed. What proof other than the credit bureaus saying they contacted the data furnishers? No records, no consent on my behalf but yet they reported to cfpb that the accounts were accurate and verified. Wheres the records saying there mine? What court official looked into this matter? If I have a identity theft report and ftc report how are they still saying there mine? Should I just keep letting them act like Im not a victim of identity theft? I need to be compensated for my credit being hurt and as a consumer it having an affect on my livelihood.

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