vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
The date of this was XX/XX/XXXX and the company was Bilt Rewards. I called to request a credit line increase and when I did they gave me an offer below what I had asked for. They then said I either have to accept or decline the offer and when I asked for more information the person on the phone said they could not provide any information. I declined the offer and then they said to speak with someone I had to let them do a hard inquiry. When I said I dont want that I asked if I could just accept the original offer. They said no and that I had to let them do a hard inquiry. It was all very predatory and not handled well.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I wanted ORIGINAL written verification of debt to validate their claim and that it's mine. 
They just ignore what I'm asking for and keep asking " How do you want to pay this debt? '' They are rude and just say company name and say " you owe and how do you want to pay? ''

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-25 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I am submitting this letter to address inaccuracies on my TransUnion credit report and to request necessary corrections as outlined below : Collections and Charge-Offs Account : XXXX XXXX ( Account # XXXX ) Balance Owed : {$3600.00} High Balance : {$4600.00} Status : Closed, listed as Charge-Off I request a full debt validation to ensure the accuracy of this charge-off report, in alignment with the FCRA requirements. 

Account : XXXX XXXX XXXX ( Account # XXXX ) Balance Owed : {$16000.00} High Balance : {$28000.00} Status : Closed, reported as Charge-Off Please validate this debt as the account has multiple reported late payments and a charge-off status. Accurate validation documents should be provided per FCRA regulations. 

General Instructions Please update my personal information to reflect only my accurate address and remove any previous addresses or consumer statements not associated with my record. 
I request that these adjustments be completed within 30 days, with written confirmation and an updated report sent to me. 
Thank you for your attention to these requests. I look forward to confirmation that these adjustments will be completed promptly.

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 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>... I noticed that someone hacked into my Chime bank account and stole my whole paycheck with the total of {$1300.00}. I during the name was at work which is XXXX XXXX XXXX at my job Im not allowed to use my phone. I downloaded Chime because my original bank didn't get paid on Wednesday but Chime did! I've used Chime for nine months and never had this problem so I was a bit confused. I called Chime and opened up a dispute and within 2 days the dispute was already closed and denied. After them closing the case I went ahead and got the police involved .. received a police report, gathered my time card from work stating what time I was at work from and to on that day, I sent Chime the emails stating someone was trying to hack into my account from XXXX XXXX XXXX mins before the transaction happened! Im only XXXX XXXX XXXX and I work really hard... Ive been in this situation with Chime for about a month now and my case keeps constantly getting denied after telling me plenty times that the case is going good and looking good they end up denying it again. Ive provided all the legal documents and statements stating I did not make this transaction. I am very upset!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Monday, XX/XX/year> my physical debit card was canceled automatically by Chase bank due to a fraudulent charge attempt and a new card was being sent to me via mail. 

While awaiting my new card, I only had access to my checking account with Chase ending in XXXX, through a digital card provided by the Chase Mobile app. I had bills past due as I work a 9-5 job Monday-Friday and could not make it to a branch to deposit cash I had. 

On XX/XX/year> I used my digital Chase card with my pin to access my account via a Chase ATM outside of the branch location on XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, at approximately XXXX. I was able to login and enter my pin number and select the " Deposit Cash '' option. The ATM cash insert slot opened and I deposited {$800.00} in the ATM. 

The ATM continued to make a humming sound and the screen stated to call " Customer Service. '' It did not print out a reciept for the money I just deposited and I immediatly called Chase to inform them of the error. 

After speaking with the representitive, she told me that no one was available to go to the ATM and get my money back. I told her I would wait at the location until it opened at XXXX. She stated the tellers could not help me and that was a seperate entity from the bank. She was able to provide me with temporary credit of {$800.00} until the claim was closed. 

On XX/XX/year>, Chase Bank took {$800.00} from my account and said they where not able to locate the cash deposit in the ATM. I was extremely upset and told them I wanted to see the video footage and asked them if they saw me depositting cash. She was not able to provide that information to me and did not say anything. I have asked them to provide me footage of that date and time and they continue to say they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: DE

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-10-25 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am filing this complaint against Radius Global Solutions for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Radius Global Solutions has illegally conducted a soft inquiry on my credit report without my consent or permissible purpose, which is a violation of FCRA 1681b. 

Furthermore, they have reported an unverified account on both my XXXX and XXXX credit reports without providing adequate debt validation, which is required under FDCPA 1692g. Despite my previous debt validation request on XX/XX/year>, Radius Global Solutions failed to provide the necessary documentation, thus failing to fulfill their obligations under the law. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these unlawful actions and ensure that Radius Global Solutions removes the unverified account from my credit reports. Additionally, I would like the CFPB to address the illegal soft inquiry, which violates my rights under federal law. 

Under XXXX Statutes, Chapter 559 ( Florida Consumer Collection Practices Act - FCCPA ), specifically 559.72, Radius Global Solutions is also prohibited from engaging in conduct that harasses or abuses consumers. The failure to validate the debt and unauthorized inquiry constitutes a violation of state law as well.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-25 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:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 

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 XXXXXX/XX/year>

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 2024-10-25 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX DOB XX/XX/year> SSN # XXXX According to XXXX XXXX XXXX all information should be reported accurate and I have incorrect addresses being reported on my credit report. 

I do not live at XXXX XXXX XXXX or unit T XXXX IN XXXX and it does not belong to me it shouldn't be reflecting or reporting on my credit this is fraudulent information the all the address that should be reporting if any is the address listed above XXXX XXXX XXXX XXXX XXXX .... Also I would like to address the correct spelling for pronunciation of my name it's XXXX XXXX XXXX, the only way it should display on my credit report not XXXX XXXX correct and update immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NC

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 non-monetary relief