vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE XXXX 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX LOANMART/CCB WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Back in XX/XX/2023 I logged complaint against CHIME for allowing a fraud charge to be debited from my account. They refused to credit me back but did shut off my debit card and send me a new one.. over a month later after fighting with CHIME they gave me a credit for the amount of XXXX which was the fraud charge but then a couple weeks later the charge was back on my account. I DISPUTED AGAIN and explained the situation that is fraud .. they didn't understand due to language barrier and kept asking who I charged it with... I DIDN'T USE MY CARD. they proceeded to tell me they would have to investigate again.. WHAT??? ... It is almost impossible to speak to someone at this company that understands or knows how to dispute a charge. So I told them that the charge will sit there and I'm closing my account because I'm tired of trying to deal with this company. CHIME has a horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-02-21 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: NC

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Formal Complaint Against Chase Bank for Unjust Closure of Checking Account and Withholding Funds To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding the sudden closure of my checking account on XX/XX/2023, and the subsequent withholding of my funds totaling {$7000.00} for over five months. Despite numerous attempts to ascertain the reason for this action and the status of my funds, I have been met with unhelpful responses and prolonged delays. 

On the aforementioned date, without prior warning or explanation, Chase Bank abruptly terminated my checking account. Since then, I have made persistent efforts to seek clarification from the bank regarding the circumstances surrounding the closure and the release of my funds. However, each time I have reached out, I have been met with vague responses and assurances that my case is " under investigation. '' As a result of this unjustified account closure and the prolonged withholding of my funds, I have faced significant financial hardship. I was laid off from my job and relied on the funds in my Chase account to cover essential expenses such as rent and living expenses. The inability to access these funds has exacerbated an already challenging situation and placed me in a precarious financial position. 

I demand immediate action from the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Chase Bank promptly releases the entirety of my funds without further delay. Additionally, I urge the CFPB to hold Chase Bank accountable for its lack of transparency and failure to provide adequate justification for the closure of my account. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to resolve this issue and ensure that consumers are treated fairly and justly by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Uploaded XXXX XXXX for eligible employer XX/XX/XXXX. Payment counts did not update. Called MOHELA and spoke with customer service in XX/XX/XXXX and was told there is au automatic payment review from Dept of Education which should complete XX/XX/XXXX. Payment counts updated eventually in XX/XX/XXXX and the XXXX form was processed however the payment count was incorrect. I contacted MOHELA in XX/XX/XXXX and they said they will initiate a manual review. It is now XX/XX/XXXX and there has been no update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Despite my persistent efforts to address these concerns, they persist without resolution. Your firm 's response to my dispute of items on my credit report dismisses my request for verification as " frivolous '' or " irrelevant. '' However, I must emphasize the importance of this matter to me. If my initial request to verify these items, as outlined in my previous certified mail, continues to be disregarded, I will have no choice but to escalate the matter further by filing a complaint with the Federal Trade Commission. It is imperative that a thorough reevaluation of the information is conducted. Therefore, I respectfully urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to provide such evidence will necessitate the immediate removal of these disputed items from my credit report. I trust your firm will handle this matter with the necessary seriousness to ensure a fair and timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

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 2024-02-21 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: NC

Complaint narrative:
I notice the following inquires in my credit reports which i did not authorize : XXXX on XX/XX/XXXX andXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX onXXXX

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 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I have been sent a letter saying I owed a rental debt. Either there has been an identity fraud or there was a lack of due diligence on the rental agent 's part. My credit has been frozen for XXXX years. So no credit report was done on the renter. I have explained this to XXXX.Q. Data International , Inc. They continue to send me letters and are making it my responsibility to prove them wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
I notice the following inquires in my credit reports which i did not authorize : XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
I notice the following inquires in my credit reports which i did not authorize : SYNCB/lowes on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/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 2024-02-21 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:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-02-21 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: NV

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 : XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} Account : XXXX XXXX accounts XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX I Originally creditor XXXX XXXX Balance {$230.00} 15 USC 1681 section 602 A. states I have a 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 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I co-signed for an apartment for an individual in XX/XX/XXXX. After the lease ended in XX/XX/XXXX, the individual I co-signed for left a balance with the apartment ( XXXX XXXX ) The unpaid balance was turned over to Columbia Collections in XXXX XXXXXXXX. The balance was paid off as of XX/XX/XXXX with a paid in full letter received from Columbia Collection. On XX/XX/XXXX, I reviewed an email from Columbia credit demanding I pay additional monies on this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MD

Complaint narrative:
Despite my persistent efforts to address these concerns, they persist without resolution. Your firm 's response to my dispute regarding items on my credit report dismisses my request for verification as " frivolous '' or " irrelevant. '' However, I must stress the importance of this matter to me. The disputed items hold significant weight, and I can not afford to overlook them lightly. If my initial request to verify these items, as outlined in my previous certified mail, continues to be disregarded, I will have no choice but to escalate the matter further. I am fully prepared to file a formal complaint with the Federal Trade Commission against your company. Given the gravity of the situation, it is imperative that a thorough reevaluation of the information is conducted. Therefore, I respectfully urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to provide such evidence will necessitate the immediate removal of these disputed items from my credit report. I trust your firm will handle this matter with the necessary seriousness to ensure a fair and timely resolution.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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